KR20090001929A - System and method for processing capital transfer approval with swift preamble and program recording medium - Google Patents

Abstract

A fund transferring approval method, a system and a program recording medium using a swift statement are provided to enable domestic and foreign financial institutions to share approval information through a swift statement when approval for a fund transferring task is demanded to a foreign head office from a domestic branch office, thereby realizing accuracy and safety of corporate fund transferring tasks. An information receiver receives approval result information including information on a financial institution having transactional relations with a domestic branch office. A statement generator(130) generates a swift statement including approval result information. A statement transmitter(135) transmits the swift statement to the financial institution which demands fund transferring. An information storage unit(125) stores the approval result information included in the swift statement. A validity confirmer(120) confirms validity for fund transferring demanded by the domestic branch office. A transferring processor processes the fund transferring.

Description

System and Method for Processing Capital Transfer Approval with SWIFT Preamble and Program Recording Medium}

1 is a diagram illustrating a system for registering approval result information in a face-to-face manner for approving a transfer of funds from a foreign head office when a transfer request is made from a domestic branch according to an embodiment of the present invention.

Figure 2 shows the configuration of the approval result information stored in the ledger D / B equipped in the DBMS on the foreign financial system in a face-to-face manner for approval of the transfer of funds from the foreign headquarters when the transfer request from the domestic branch according to an embodiment of the present invention Drawing.

3 is a result of approval stored in a database linked to the ledger D / B equipped in the DBMS on the foreign financial system in a face-to-face manner for approval of the transfer of funds at the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention It is a figure which shows an information structure.

4 is a view showing the configuration of the approval result information stored in the DBMS provided in the banking server in a face-to-face manner for approval of the transfer of funds in the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering approval result information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face approval result registration system for approval of money transfer from a foreign head office when a request for money transfer is made from a domestic branch according to another embodiment of the present invention.

Figure 7 shows the configuration of the approval result information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the transfer of funds from the foreign headquarters when the transfer request from the domestic branch in accordance with an embodiment of the present invention Drawing.

8 is a result of approval stored in a database linked to the ledger D / B equipped in the DBMS on the financial system in a non-face-to-face for approval of the transfer of funds at the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention It is a figure which shows an information structure.

FIG. 9 is a diagram illustrating a configuration of approval result information stored in a DBMS provided in a banking server in a non-face-to-face manner to approve transfer of funds from a foreign head office when a transfer request is made from a domestic branch according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering approval result information in a non-face-to-face manner in order to approve transfer of funds from a foreign head office when a transfer request is made from a domestic branch according to an embodiment of the present invention.

11A and 11B illustrate a process of registering approval result information in a non-face-to-face manner in order to approve funds transfer from a foreign head office when a request is made to transfer funds from a domestic branch according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a face-to-face fund transfer information registration system for transferring funds to foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to an embodiment of the present invention.

Figure 13 is an application for the transfer of funds stored in the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for the transfer of funds for foreign head office approval result information corresponding to the transfer of funds requested by the domestic branch in accordance with an embodiment of the present invention It is a figure which shows an information structure.

14 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the transfer of funds for the foreign head office approval result information corresponding to the funds transfer approval requested by the domestic branch in accordance with another embodiment of the present invention The figure shows the structure of the application for transfer of funds stored in the service.

FIG. 15 is a view illustrating the structure of application for money transfer information stored in a DBMS provided in a banking server in a face-to-face manner in order to transfer funds for foreign head office approval result information corresponding to a money transfer approval requested by a domestic branch according to another embodiment of the present invention. Figure is shown.

16 is a and 16b are diagrams illustrating a process of registering the application for transfer of funds in a face-to-face manner according to one embodiment of the present invention.

17A and 17B illustrate a process of registering funds transfer application information in a face-to-face manner according to another exemplary embodiment of the present invention.

18A and 18B are diagrams illustrating a process of registering funds transfer application information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 19 is a diagram illustrating a non-face-to-face fund transfer information registration system for transferring funds to foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to another embodiment of the present invention.

Figure 20 is a transfer of funds stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the transfer of funds for foreign head office approval result information corresponding to the approval of the transfer of funds requested by the domestic branch in accordance with an embodiment of the present invention It is a figure which shows the structure of application information.

21 is associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the transfer of funds for the foreign headquarters approval result information corresponding to the fund transfer approval requested by the domestic branch according to another embodiment of the present invention FIG. 1 is a diagram illustrating the structure of application for transfer of funds stored in a database.

FIG. 22 is a view illustrating the structure of application for transfer of funds stored in a DBMS provided in a banking server in a non-face-to-face manner in order to transfer funds for foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to another embodiment of the present invention. Figure is a diagram.

23A and 23B are diagrams illustrating a process of registering application information for transfer of funds in a non-face-to-face manner in order to transfer funds for foreign head office approval result information corresponding to the transfer of funds requested by a domestic branch according to an embodiment of the present invention. to be.

24A, 24B, and 24C are for registering funds transfer application information through a non-face-to-face financial transaction channel for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by a domestic branch according to an embodiment of the present invention. A diagram illustrating a process of doing so.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: professional generation unit 135: professional transmission unit

140: storage medium 145: information registration terminal

According to the present invention, in response to a request for transfer of funds of a domestic branch of a predetermined company in a predetermined information receiving means, fund transfer approval information, transfer funds information, transfer funds request domestic branch information, and domestic branch trading financial institution Receiving the approval result information including the information, generating a SWIFT message including the received approval result information in a predetermined message generation means, and generating the SWIFT message generated by the predetermined message transmission means. Transmitting a request for transfer of funds to a domestic branch trading financial institution; storing, in a predetermined storage medium, approval result information included in the transmitted SWIFT telegram in a predetermined information storage means; Upon request, the domestic branch office refers to the approval result information stored in the storage medium in a predetermined validity checking means. Checking the validity of the requested funds transfer, and if the validity of the funds transfer requested by the domestic branch office is verified, processing the transfer of funds requested by the domestic branch office in a predetermined transfer processing means; The present invention relates to a transfer approval processing method.

Due to the rapid development of modern society, various multinational corporations are headquartered in foreign countries, branch offices in Korea, and promote various economic activities.

However, if the head office is located in a foreign country and there is a branch office in Korea, the approval of the foreign head office is required for the transfer of funds from the domestic branch office. Lack of approval can lead to significant economic problems for companies.

An object of the present invention for solving the above problems is, in response to a request for the transfer of funds of a domestic branch of a given company, the transfer of funds transfer approval information, transfer funds information of the overseas headquarters of the company, the domestic branch information of the transfer request, the domestic branch Information transfer means for receiving the approval result information including transaction financial institution information, a specialized generating means for generating a SWIFT telegram including the received approval result information, and the generated SWIFT telegram for the transfer of funds request domestic branch Specialized transmission means for transmitting to a financial institution, information storage means for storing the approval result information included in the transmitted SWIFT telegram on a predetermined storage medium, and upon request for a predetermined money transfer of the domestic branch, stored in the storage medium. Validation means for verifying the validity of the transfer of funds requested by the domestic branch with reference to the approval result information And if the validity of the transfer of funds requested by the domestic branch is confirmed, the domestic branch provides a fund transfer approval processing system using a transfer SWIFT including a transfer processing means for processing the transfer.

Money transfer approval processing method using the SWIFT full text according to the present invention, in response to the request for the transfer of funds of the domestic branch of the predetermined company in the predetermined information receiving means, the funds transfer approval information, transfer funds information, the funds of the overseas headquarters of the company Receiving the approval result information including the transfer request domestic branch information and the domestic branch transaction financial institution information, generating a SWIFT full message including the received approval result information in a predetermined text generation means; Transmitting the generated SWIFT telegram in a specialized transmission means to the domestic branch transaction financial institution for the money transfer request, and storing the approval result information included in the transmitted SWIFT telegram in a predetermined storage medium in a predetermined information storage means; And requesting a transfer of funds from the domestic branch office to the storage medium in a predetermined validity checking means. Checking the validity of the transfer of funds requested by the domestic branch office with reference to the approved result information, and if the validity of the transfer of funds requested by the domestic branch office is verified, transfer of funds requested by the domestic branch in a predetermined transfer processing means. Processing the; characterized in that it comprises a.

In the money transfer approval processing method using the SWIFT full text according to the present invention, the step of confirming the validity of the money transfer requested by the domestic branch, with reference to the approval result information stored in the storage medium in the validation means, Receiving predetermined fund transfer application information provided by a domestic branch, comparing the money transfer history included in the received money transfer application information with the money transfer history included in the approval result information stored in the storage medium And confirming the validity of the request for transfer of funds from the domestic branch office according to the comparison result.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-mentioned SWIFT full text transfer approval processing method.

On the other hand, the funds transfer approval processing system using the SWIFT full text according to the present invention, in response to the request for the transfer of funds of the domestic branch of a predetermined company, the transfer of funds transfer information, transfer funds information, the funds transfer request domestic Information receiving means for receiving approval result information including branch information and the domestic branch transaction financial institution information, a text generation means for generating a SWIFT message including the received approval result information, and the generated SWIFT message Fund transfer request Specialized transmission means for transmitting to the domestic branch trading financial institution, Information storage means for storing the approval result information included in the transmitted SWIFT telegram on a predetermined storage medium, and when requesting the transfer of funds in the domestic branch Verifying the validity of the transfer of funds requested by the domestic branch office with reference to the approval result information stored in the storage medium. If the validation means and the domestic branch that is validated for the requested transfer of funds, characterized by comprising a transfer means for the treatment of domestic offices processing the requested funds transfer.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions 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 embodiments will be used to properly modify the terms so that those of ordinary skill in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a system for registering face-to-face approval result for approval of money transfer from a foreign headquarter when requesting a money transfer from a domestic branch according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the approval result information registration system when the request for the transfer of funds in the domestic branch office headquarters information, fund transfer approval information, transfer funds If the approval result information including at least one information, domestic branch information, branch transaction financial institution information is provided, the head office information, fund transfer approval information, transfer funds included in the provided approval result information in the approval result information registration system; This is a system configuration for storing information in a predetermined storage medium 140 by integrating information, domestic branch information, branch trading financial institution information, and those skilled in the art to which the present invention pertains. Refer to and / or modify to approve the transfer of funds from foreign headquarters when requested to transfer funds from domestic branches. Authorization result would be able to infer a variety of exemplary methods for the information registered on the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the present Figure 1 for the case of the head office in Korea and the branch office in the overseas or request to the branch office from the head office, It may further include the implementation method approved by the branch, but it is omitted for convenience.

Hereinafter, at least one means and / or functional configuration for storing the approval result information provided from the customer on the storage medium 140 via a predetermined information registration interface on the approval result information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the approval result information registration system for approval of money transfer from a foreign head office when a request for money transfer is made from a domestic branch includes a teller terminal provided at at least one branch of a financial institution. And an information registration terminal 145, wherein the information registration terminal 145 has a communication channel with the information registration server 100 provided on the approval result information registration system through a predetermined financial network. Connected.

According to an embodiment of the present invention, the customer visits the financial institution branch for approval of the transfer of funds from a foreign headquarters when a request for money transfer is made from the domestic branch office, and through a window provided at the financial institution branch (or a teller employee). A request for transfer of funds from a foreign headquarters when a request for money transfer is made at a domestic branch (eg, a form for filling in at least one item of information for approval of the transfer of funds at a foreign headquarters when a request is made from a foreign branch). Prepared documents) and submit the completed application form to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters the input (or Transmits the selected information to the information registration server 100 provided on the approval result information registration system through the financial network. It is preferable.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 100 connected to the teller terminal is provided on the predetermined foreign financial system It is preferable to include a ledger server, wherein the financial network connecting the teller terminal and the information registration server 100 comprises a branch network connecting the communication channel between the teller terminal and the information registration server 100. desirable.

In the approval result information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100 are provided by the customer. Performs a function of an information registration interface for registering approval result information for approval of money transfer at a foreign head office when requesting a money transfer.

The storage medium 140 provided on the approval result information registration system according to the present invention includes the head office information, money transfer approval information, transfer funds information, included in the approval result information provided from the information registration terminal 145, and the like. It is characterized in that the domestic branch information, branch trading financial institution information is processed in connection with the predetermined storage medium 140, and stored in the storage medium 140, the head office information, fund transfer approval information, transfer funds information, domestic The approval result information including at least one of branch information and branch trading financial institution information is used for the transfer of funds at the foreign headquarters when the transfer request is made at the domestic branch.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

According to one embodiment of the invention, the storage medium 140 is preferably provided in a DBMS on a foreign financial system provided on the approval result information registration system (or associated with the approval result information registration system), In this case, the storage medium 140 may be a ledger D / B provided in a DBMS on the foreign financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 140 is provided with (or associated with) the internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the approval result information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 100 provided on the approval result information registration system according to the present invention is a generic term for the components of the approval result information registration system connected to the information registration terminal 145 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 145 is a window terminal connected to a predetermined financial network, the information registration server 100 is a foreign financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the foreign financial system, and / or a program provided in the external world on the foreign financial system, whereby the present invention This is not limited.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 145 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 145 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window terminal 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. 1, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 145 through the interface unit 105, and then the interface unit ( An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined approval result information from the information registration terminal 145 in association with 105 to provide the information registration terminal 145. The information receiving unit 115 which receives the predetermined approval result information inputted (or selected) and transmitted from the information registration terminal 145 through the user interface in association with the providing unit 110 and the interface unit 105. And, the validity confirmation unit 120 for confirming the validity of the received approval result information, the head office information, fund transfer approval information, transfer funds included in the validity of the confirmed approval result information Beam, associated handling domestic branch information, office information and financial institution characterized in that formed in an information storage unit 125 to store in a storage medium 140.

The interface providing unit 110 is provided in the information registration terminal 145 after a predetermined information registration terminal 145 connects the communication channel with the information registration server 100 through the interface unit 105. Create a predetermined user interface that can input (or select) the approval result information corresponding to the functional configuration and transmit it to the information registration server 100 through the financial network, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 145 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 145 has at least one user interface for inputting (or selecting) the approval result information and transmitting the information to the information registration server 100 through the financial network. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 145 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 145 inputs approval result information including at least one of the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information based on the user interface ( Or select), and transmits the input (or selected) approval result information to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 145 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 includes at least one or more head office information, fund transfer approval information, transfer fund information, domestic branch information, branch transaction financial institution information, and the like in the information registration terminal 145 through the user interface. When inputting (or selecting) and transmitting through the financial network, it is characterized in that for receiving the approval result information in conjunction with the interface unit 105, the validity confirmation unit 120 to the received approval result information To provide.

The validity confirming unit 120 checks whether the approval result information received from the information registration terminal 145 satisfies the validity for the transfer of funds at the foreign headquarters when the transfer request is made at the domestic branch.

According to the method of the present invention, the validation of the approval result information is registered at least one or more ledger information matching the approval result information in the ledger D / B on the foreign financial system associated with the approval result information registration system It is preferable to include checking whether there is.

For example, the validation of the approval result information includes checking whether the head office information included in the approval result information matches the customer ledger stored in the ledger D / B on the foreign financial system associated with the approval result information registration system. It is preferable to make it.

When the validity of the approval result information is confirmed, the information storage unit 125 processes the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch transaction financial institution information included in the approval result information in association. When the storage medium 140 is provided in the information registration server 100 or provided on the network associated with the information registration server 100, the storage medium 140 is stored in the storage medium 140. The information storage unit 125 processes the head office information, fund transfer approval information, transfer fund information, domestic branch information, branch transaction financial institution information included in the received approval result information, and stores them in the storage medium 140. Preferably, if the storage medium 140 is provided in a DBMS provided on a foreign financial system, the information storage unit 125 is the head office information included in the received approval result information, Gold debit authorization information, information transfer funds, domestic office information, branch financial institution information through the FEP on the international financial system to provide information to step is preferably stored in a DBMS provided on the international financial system.

Referring to FIG. 1, the information registration server 100 provides a full text of the SWIFT (Society for Worldwide Interbank Financial Telecommunication) corresponding to the approval result information for the money transfer approval requested by the domestic branch of the company from the overseas headquarter of the company. It is characterized in that it comprises a professional generation unit 130 for generating, and a professional transmission unit 135 for providing the full text to the domestic financial system provided in domestic financial institutions.

The specialized generation unit 130 visits a predetermined financial institution that deals with the transfer of funds requested by the domestic branch of the company from the overseas headquarters of the company to a predetermined financial institution that deals with the overseas headquarters of the company, and tells the counter of the financial institution. Providing the approval result information through, and characterized in that for generating the SWIFT full text through the approval result information registration system provided in the financial institution.

According to the implementation method of the present invention, the professional generation unit 130 is a predetermined financial institution that deals with the approval result information for the money transfer approval requested by the domestic branch of the company in the overseas headquarters of the company in the overseas headquarters of the company It is desirable to provide the approval result information to the SWIFT full text through a foreign financial system provided in the financial institution.

The full text of the Society for Worldwide Interbank Financial Telecommunication (SWIFT) includes at least one BIC (Bank Identifier Code) including at least one financial institution code, an area code, a branch code, and the like. It is preferable to include information for providing from the financial institution to the domestic financial institution.

In addition, the SWIFT full text, in addition to providing information from the foreign financial institution to the domestic financial institution, it is preferable to further include the case of providing information from the domestic financial institution to the foreign financial institution.

The specialized transmission unit 135 is connected to the specialized generation unit 130, foreign banking provided with the information registration server 100 for the SWIFT telegram corresponding to the approval result information generated by the specialized generation unit 130 The institution is characterized in that the foreign financial system provided to the domestic financial institution provided through a predetermined SWIFT network.

According to the embodiment of the present invention, in conjunction with the full text generation unit 130, foreign financial information provided with the information registration server 100 SWIFT full text corresponding to the approval result information generated by the full text generation unit 130 It is desirable to provide a foreign financial system provided by a domestic financial institution through a predetermined SWIFT network.

According to FIG. 1, the approval result information registration system may transmit a SWIFT message corresponding to the approval result information generated by the message generation unit 130 through a SWIFT network for transmitting and receiving a predetermined SWIFT message. In the case of transmitting through a), it is characterized by comprising a domestic financial system for receiving the transmitted SWIFT full text.

The domestic financial system provides the approval result information corresponding to the approval for the transfer of funds requested by the domestic branch of the enterprise from the foreign headquarters of the company to the information registration server 100 and corresponds to the received approval result information. Characterized in that the SWIFT full text is provided through the SWIFT network.

According to the present invention, the domestic financial system provides the approval result information corresponding to the approval for the transfer of funds requested by the domestic branch of the company from the foreign headquarters of the company to the information registration server 100, the received approval result Preferably, the SWIFT text corresponding to the information is provided through the SWIFT network, and the approval result information included in the provided SWIFT text is provided to a domestic branch server (not shown), and the domestic branch server (not shown) is provided. It is preferable to confirm the validity corresponding to the approval result information, and to process in connection with the fund transfer information registration system of FIG.

Figure 2 shows the configuration of the approval result information stored in the ledger D / B equipped in the DBMS on the foreign financial system in a face-to-face manner for approval of the transfer of funds from the foreign headquarters when the transfer request from the domestic branch according to one embodiment of the present invention Drawing.

In more detail, in FIG. 2, when the storage medium 140 illustrated in FIG. 1 is a ledger D / B provided in a DBMS on a foreign financial system, the headquarters information provided in the ledger D / B may be used. As the information structure for one embodiment of the method of storing the approval result information including the money transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information, the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer a variety of information configuration methods for storing the approval result information in the ledger D / B by referring to and / or modifying this figure 2, but the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in a DBMS on a foreign financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger. Ledger, loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, the ledger provided in the DBMS on the foreign financial system The D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be understood that more is included, and you will be familiar with the specific technical matters, so the detailed description is for convenience. And strategy.

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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number corresponding to the ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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. 2, the approval result information provided through the approval result information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. At least one transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information is characterized in that it comprises.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

According to another embodiment of the present invention, the approval result information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

Figure 3 is a database linked to the ledger D / B (300) provided in the DBMS on the foreign financial system in a face-to-face manner for approval of the transfer of funds from the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention A diagram illustrating a structure of stored approval result information.

More specifically, FIG. 3 shows information on an exemplary method in which the storage medium 140 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B 300 provided in a DBMS on a foreign financial system. As shown in the drawings, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to link the approval result information to the ledger D / B 300 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. 3, when it is not easy to store the approval result information in the ledger information of the ledger D / B 300 on the DBMS provided on the foreign financial system (for example, in accordance with the policy of a financial institution, the ledger of the DBMS). When it is not easy to change the D / B 300 or the system expansion is not easy due to the characteristics of the foreign financial system), the approval result information is stored in a predetermined database instead of the ledger D / B 300. , Shows an implementation method of linking and storing the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a foreign financial system as in the implementation method shown in FIG. 3, and a database on the Internet banking system according to the intention of a person skilled in the art, and / Or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the head office information, fund transfer approval information, transfer fund information, domestic branch information, and branch transaction financial institution information included in the approval result information. Result information is preferably made to further include a CIF number corresponding to the ledger information in the approval result information in order to be processed in conjunction with the ledger D / B (300).

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

4 is a view showing the configuration of the approval result information stored in the DBMS provided in the banking server 400 in a face-to-face manner for approval of the transfer of funds in the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention to be.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 140 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server 400, and those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It is possible to infer the information configuration method for the approval result information stored in a predetermined DBMS provided in 400, the present invention includes all the implementation methods inferred, and limited to the implementation method shown in FIG. Not.

Referring to FIG. 4, a predetermined DBMS provided in the banking server 400 links headquarter information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information included in the approval result information. It is characterized by processing and storing.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

5 is a diagram illustrating a process of registering approval result information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows that the information registration server 100 on the approval result information registration system shown in FIG. 1 has a ledger server (not shown) function on a foreign financial system linked to a counter terminal through a predetermined financial network. In one case, the window terminal is connected to the information registration server 100 to connect a communication channel for registration of the approval result information according to the present invention, and then to the information registration server 100 through the communication channel. When the approval result information including the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information is transmitted, the information registration server 100 is included in the received approval result information. For the implementation method of linking the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information to store in a predetermined storage medium 140 As one of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the approval result information with the information registration server 100 in the window terminal by referring to and / or modifying the drawing 5 are provided. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The head office information, funds transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information transmitted to the server 100 is referred to as "approval result information" for convenience.

Referring to FIG. 5, the teller terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the approval result information, and requests a money transfer from the domestic branch. When the foreign head office requests the approval result information registration for fund transfer approval (500), the server generates (or extracts) a predetermined information registration interface for registering the approval result information (505), and the communication. The generated (or extracted) information registration interface is transmitted to the terminal and output through the channel (510).

According to an embodiment of the present invention, the information registration interface inputs approval result information including at least one of the head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information in the terminal ( Or a user interface).

Thereafter, the terminal inputs (or selects) approval result information including at least one or more head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information through the information registration interface (515). .

If the terminal receives (or selects) approval result information including the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch transaction financial institution information through the information registration interface (520), The terminal transmits the approval result information including the head office information, money transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information inputted through the financial network to the server (525). ).

Thereafter, the server receives and reads the head office information, fund transfer approval information, transfer fund information, domestic branch information, and branch transaction financial institution information through the financial network to check the validity of the approval result information (530). .

According to the implementation method of the present invention, the validation of the approval result information is at least one or more ledger information matching the approval result information in the ledger D / B 300 on the foreign financial system associated with the approval result information registration system It is preferable to include checking whether is registered.

For example, the validation of the approval result information confirms whether the head office information included in the approval result information matches the customer ledger stored in the ledger D / B 300 on the foreign financial system associated with the approval result information registration system. It is preferable that it consists of including.

If the validity of the approval result information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform an information registration procedure corresponding to the approval result information. Do not.

On the other hand, if the validity of the approval result information is authenticated (535), the server performs the information registration procedure corresponding to the approval result information, the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch offices The transaction information of the financial institution is linked and stored in the predetermined storage medium 305 (545).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a foreign financial system provided on the approval result information registration system (or associated with the approval result information registration system), In this case, the storage medium 305 may be a ledger D / B 300 provided in a DBMS on the foreign financial system, and / or a predetermined database associated with the ledger D / B 300. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 305 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the approval result information registration system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the approval result information transmitted from the terminal.

6 is a diagram illustrating a system for registering non-face-to-face approval result information for approval of money transfer from a foreign head office when a request for money transfer is made from a domestic branch according to another embodiment of the present invention.

In more detail, Figure 6 is a predetermined customer through a predetermined information registration interface to the approval result information registration system when requesting the transfer of funds in the domestic branch office headquarters information, funds transfer approval information, transfer funds If the approval result information including at least one information, domestic branch information, branch transaction financial institution information is provided, the head office information, money transfer approval information, transfer funds included in the provided approval result information in the approval result information registration system; This is a system configuration for linking information, domestic branch information, branch trading financial institution information, and storing the same in a predetermined storage medium 640. If a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By reference and / or modification, the foreign headquarters approves the transfer of funds upon request for transfer from the domestic branch. Would be able to infer a variety of exemplary methods for the approval result information registered on the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the drawing 6, if the headquarters in Korea and the branch office in the overseas or how to request a branch from the head office, It may further include the method of implementation approved by the branch, but will be omitted for convenience.

Hereinafter, at least one means and / or functional configuration for storing the approval result information provided from the customer on the storage medium 640 through a predetermined information registration interface on the approval result information registration system shown in FIG. The corresponding component is referred to as " information registration server 600 " for convenience.

Referring to this figure 6 according to the embodiment of the present invention, the approval result information registration system for approval of the transfer of funds from the foreign headquarters when the transfer request from the domestic branch office, at least one wired terminal and / or wireless terminal used by the customer And an information registration terminal 645 including at least one or more client terminals and the like, wherein the information registration terminal 645 is provided on the approval result information registration system through a predetermined network means. The communication channel is connected to the information registration server 600.

According to one embodiment of the present invention, the customer accesses the information registration server 600 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the domestic branch office inputs (or selects) the approval result information for the transfer of funds from the foreign headquarters when the transfer request is made from the domestic branch office through the at least one user interface provided by the information registration server 600, the client terminal receives a predetermined result. It is preferable to transmit to the information registration server 600 provided on the approval result information registration system through the network means.

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

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

In addition, the information registration server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal The Mobitex-based wireless data communication network may be any one, and / or may include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, and inputs and / or selects at least one or more information through the user interface to the information registration server 600. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 600, etc.) is provided.

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

In the approval result information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired connecting the client terminal and the information registration server 600. The communication network and / or the wireless communication network perform a function of an information registration interface for registering the approval result information for approval of the transfer of funds at the foreign headquarters when the customer requests for the transfer of funds at the domestic branch.

According to another exemplary embodiment of the present invention, the information registration terminal 645 is 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. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the approval result information registration system as described above, when the information registration terminal 645 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the information The financial network connecting the registration server 600 performs a function of an information registration interface for registering the approval result information for the transfer of funds at the foreign headquarters when the customer requests for the transfer of funds at the domestic branch, and / or the When the information registration terminal 645 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600. The customer performs the function of an information registration interface for registering the approval result information for the transfer of funds at the foreign headquarters when the transfer request from the domestic branch office And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 645 (not shown), and The network connecting the terminal (and / or server) (not shown) and the information registration server 600 registers the approval result information for approval of the transfer of funds at a foreign headquarters when the customer requests for transfer of funds at the domestic branch. It performs the function of the information registration interface.

The storage medium 640 provided on the approval result information registration system according to the present invention includes the head office information, funds transfer approval information, transfer funds information, included in the approval result information provided from the information registration terminal 645, and the like. Domestic branch information, branch transaction financial institution information is processed in connection with the predetermined storage medium 640, and stored in the storage medium 640, the head office information, fund transfer approval information, transfer funds information, domestic The approval result information including at least one of branch information and branch trading financial institution information is used for the transfer of funds at the foreign headquarters when the transfer request is made at the domestic branch.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

According to one embodiment of the invention, the storage medium 640 is preferably provided in a DBMS on a financial system provided on the approval result information registration system (or associated with the approval result information registration system). When the storage medium 640 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 640 is provided on (or associated with) the approval result information registration system, and / or a telebanking system, and / or a wireless banking system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 600 provided on the approval result information registration system according to the present invention is a generic term for the approval result information registration system side component connected to the information registration terminal 645 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 645 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 600 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the outside world on the financial system, whereby Not determined

According to another embodiment of the present invention, when the information registration terminal 645 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 645 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system of the above, and / or a program provided in the external system of the financial system, by which the present invention is not limited. The.

According to another embodiment of the present invention, when the information registration terminal 645 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 600 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 600 is provided with an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 645 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 645 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing 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. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 645 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 645 is a financial automation device connected to a predetermined financial network, the interface unit 605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and 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 information registration terminal 645 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 645 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through a predetermined information registration terminal 645 through the interface unit 605, and then the interface unit ( An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined approval result information from the information registration terminal 645 in cooperation with 605 to provide the information registration terminal 645. The information receiving unit 615 which receives the predetermined approval result information that is input (or selected) and transmitted from the information registration terminal 645 through the user interface in cooperation with the providing unit 610 and the interface unit 605. And the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information included in the received approval result information in a predetermined storage medium 640. Provided with a sheet information storage unit that (625) is characterized in that formed.

The interface providing unit 610 is provided in the information registration terminal 645 after a predetermined information registration terminal 645 connects the communication channel with the information registration server 600 through the interface unit 605. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the approval result information to be transmitted to the information registration server 600 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 605 to the information registration terminal 645 through the network means.

Thereafter, the information registration terminal 645 inputs approval result information including at least one of the head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information based on the user interface ( Or select) and transmit the input (or selected) approval result information to the information registration server 600 through the financial network.

When the information registration terminal 645 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface providing unit 610 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 645 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another embodiment of the present invention, when the information registration terminal 645 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 645 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may use the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 645 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface provider 610 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the approval result information to the information registration terminal 645 and transmitting the information to the information registration server 600 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal 645 may be omitted, and the present invention is not limited thereto.

The information receiving unit 615 receives at least one or more approval result information including at least one of head office information, fund transfer approval information, transfer fund information, domestic branch information, and branch trading financial institution information through the user interface at the information registration terminal 645. When inputting (or selecting) and transmitting through the network means, and receives the approval result information in conjunction with the interface unit 605, the validity confirmation unit 620 receives the received approval result information To provide.

The validity confirming unit 620 may verify whether the approval result information received from the information registration terminal 645 satisfies the validity for the approval of the transfer of funds at the foreign headquarters when the transfer request is made at the domestic branch.

According to the method of the present invention, the validity of the approval result information is determined whether at least one ledger information matching the approval result information is registered in the ledger D / B on the financial system associated with the approval result information registration system It is preferable to include checking.

For example, the validation of the approval result information includes checking whether the head office information included in the approval result information matches the customer ledger stored in the ledger D / B on the financial system associated with the approval result information registration system. It is preferable to make.

When the validity of the approval result information is confirmed, the information storage unit 625 performs a process of linking the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch transaction financial institution information included in the approval result information. When the storage medium 640 is provided in the information registration server 600 or on the network associated with the information registration server 600, the storage medium 640 is stored in the storage medium 640. The information storage unit 625 stores in the storage medium 640 by integrating the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information included in the received approval result information Preferably, when the storage medium 640 is provided in the DBMS provided on the financial system, the information storage unit 625 is the head office information, funds included in the received approval result information A body authentication information, money transfer information, domestic branch information, financial institution branch information over the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 6, the information registration server 600 provides a full text of the Society for Worldwide Interbank Financial Telecommunication (SWIFT) corresponding to the approval result information for the fund transfer approval requested by the domestic branch of the company from the overseas headquarter of the company. It is characterized in that it comprises a professional generation unit 630 for generating, and a professional transmission unit 635 for providing the full text to the domestic financial system provided in domestic financial institutions.

The specialized generation unit 630 visits a predetermined financial institution that deals with the transfer of funds requested by the domestic branch of the company from the overseas headquarter of the company to a predetermined financial institution that deals with the foreign headquarter of the company, and tells the counter of the financial institution. Providing the approval result information through, and characterized in that for generating the SWIFT full text through the approval result information registration system provided in the financial institution.

According to the implementation method of the present invention, the professional generation unit 630 is a predetermined financial institution that deals with the approval result information for the transfer of funds requested by the domestic branch of the company in the overseas headquarters of the company in the overseas headquarters of the company It is desirable to provide the approval result information to the SWIFT full text through a foreign financial system provided in the financial institution.

The full text of the Society for Worldwide Interbank Financial Telecommunication (SWIFT) includes at least one BIC (Bank Identifier Code) including at least one financial institution code, an area code, a branch code, and the like. It is preferable to include information for providing from the financial institution to the domestic financial institution.

In addition, the SWIFT full text, in addition to providing information from the foreign financial institution to the domestic financial institution, it is preferable to further include the case of providing information from the domestic financial institution to the foreign financial institution.

The specialized transmission unit 635 is connected to the professional generation unit 630, foreign finance provided with the information registration server 600 SWIFT full text corresponding to the approval result information generated by the specialty generation unit 630 The institution is characterized in that the foreign financial system provided to the domestic financial institution provided through a predetermined SWIFT network.

According to the exemplary embodiment of the present invention, the foreign finance provided with the information registration server 600 includes a SWIFT telegram corresponding to the approval result information generated by the telegram generator 630 in association with the telegram generator 630. It is desirable to provide foreign financial systems provided by domestic financial institutions through predetermined SWIFT networks.

According to FIG. 6, the approval result information registration system may transmit the SWIFT message corresponding to the approval result information generated by the message generation unit 630 through a SWIFT network for transmitting and receiving a predetermined SWIFT message. In the case of transmitting through a), it is characterized by comprising a domestic financial system for receiving the transmitted SWIFT full text.

The domestic financial system provides the approval result information corresponding to the approval for the transfer of funds requested by the domestic branch of the company from the foreign headquarters of the company to the information registration server 600 and corresponds to the received approval result information. Characterized in that the SWIFT full text is provided through the SWIFT network.

According to the present invention, the domestic financial system provides the approval result information corresponding to the approval for the transfer of funds requested by the domestic branch of the company from the foreign headquarters of the company to the information registration server 600, the received approval result Preferably, the SWIFT text corresponding to the information is provided through the SWIFT network, and the approval result information included in the provided SWIFT text is provided to a domestic branch server (not shown), and the domestic branch server (not shown) is provided. It is preferable to confirm the validity corresponding to the approval result information, and to process in connection with the fund transfer information registration system of FIG. 12 or 19 which will be shown below in response to the validation result.

Figure 7 shows the configuration of the approval result information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the transfer of funds from the foreign headquarters when the transfer request from the domestic branch according to one embodiment of the present invention Drawing.

In more detail, in FIG. 7, when the storage medium 640 shown in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the head office information and funds are transferred to the ledger information provided in the ledger D / B. An information structure for an exemplary embodiment in which approval result information including approval information, transfer funds information, domestic branch information, branch transaction financial institution information, and the like is stored, and has a general knowledge in the technical field to which the present invention belongs. If it is possible to infer a variety of information configuration method for storing the approval result information in the ledger D / B by referring to and / or modifying this figure 7, the present invention includes all the implementation methods inferred It is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B contains at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, 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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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. 7, the approval result information provided through the approval result information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger, and the approval result information is headquarter information and funds. At least one transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information is characterized in that it comprises.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

According to another embodiment of the present invention, the approval result information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

Figure 8 is a database linked to the ledger D / B 800 provided in the DBMS on the financial system in a non-face-to-face for approval of the transfer of funds from the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention A diagram illustrating a structure of stored approval result information.

More specifically, FIG. 8 is an information structure for an embodiment in which the storage medium 640 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B 800 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to associate the approval result information with the ledger D / B 800 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 8, when it is not easy to store the approval result information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the approval result information is stored in a predetermined database instead of the ledger D / B (800), and The implementation method of storing a database and the ledger D / B 800 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the Internet banking system according to the intention of the skilled person, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 8, the database stores and stores the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information included in the approval result information in association with each other. It is preferable that the result information further includes a CIF number corresponding to the ledger information in the approval result information in order to be processed in association with the ledger D / B 800.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

Figure 9 illustrates the configuration of the approval result information stored in the DBMS provided in the banking server 900 in a non-face-to-face manner for approval of the transfer of funds at the foreign headquarters when the transfer request from the domestic branch according to another embodiment of the present invention Drawing.

In more detail, FIG. 9 illustrates a predetermined banking system in which the storage medium 640 shown in FIG. 6 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server 900, if one of ordinary skill in the art to which the present invention pertains, at least one banking server (see FIG. It will be able to infer the information configuration method for the approval result information stored in the predetermined DBMS provided in 900, but the present invention includes all the implementation methods inferred above, limited only to the implementation method shown in FIG. Not.

Referring to FIG. 9, a predetermined DBMS provided in the banking server 900 links headquarter information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information included in the approval result information. It is characterized by processing and storing.

The head office information includes head office information (eg, name of a company, a separate head office code, a business registration number, a head office address, a head office telephone number, a head office mail address, etc.) for the head office, and a member of the customer. At least one or more information (for example, member ID information or CIF (Customer Information File) number provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the corporate headquarters). It is preferable to make it.

The money transfer approval information may include at least one or more of the approval information for the transfer of funds from the foreign headquarters, the employee information of the corporate headquarters that processed the approval when the transfer request from the domestic branch office.

The transfer fund information may include information on the amount of the transfer funds corresponding to the target of the transfer of funds when the transfer request is made from the domestic branch.

FIG. 10 is a diagram illustrating a process of registering approval result information in a non-face-to-face manner for approval of money transfer from a foreign head office when a request for a money transfer is made from a domestic branch according to an embodiment of the present invention.

In more detail, in FIG. 10, in the case where the information registration server 600 on the approval result information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means, the client terminal After connecting to the information registration server 600 and connecting the communication channel for registration of the approval result information according to the present invention, the head office information, fund transfer approval information, to the information registration server 600 through the communication channel, When the approval result information including the transfer funds information, domestic branch information, branch transaction financial institution information is transmitted, the head office information, fund transfer approval information, and transfer included in the received approval result information are transmitted from the information registration server 600. An embodiment of the present invention relates to a method of performing a process of linking fund information, domestic branch information, and branch trading financial institution information to a predetermined storage medium 640. As those skilled in the art to which the present invention pertains, various implementation methods for registering the approval result information from the client terminal to the information registration server 600 by referring to and / or modifying the drawing 10 are provided. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The head office information, funds transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information transmitted to the server 600 is referred to as "approval result information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Access a server through a communication network and / or IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the approval result information, and approve the transfer of funds from a foreign headquarters when requesting a transfer of funds from the domestic branch When requesting registration of the approval result information for the request (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the approval result information (1005), and through the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface inputs approval result information including at least one of the head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information in the terminal ( Or a user interface).

In addition, the web page transmission and / or output process is preferably performed at least once according to the approval result information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) approval result information including at least one or more head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information through the information registration interface (1015). .

If the terminal receives (or selects) approval result information including the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information through the information registration interface (1020), The terminal transmits the input (or selection) of the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information to the server through the communication channel (1025).

According to the implementation method of the present invention, transmitting the input (or selection) of the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information to the server through the communication channel, The electronic device may further include transmitting the approval result information input (or selected) through the information registration interface to the server through digital signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the head office information, fund transfer approval information, transfer fund information, domestic branch information, and branch transaction financial institution information through the communication channel to check the validity of the approval result information (1030). .

According to the exemplary embodiment of the present invention, checking the validity of the approval result information may include decrypting the approval result information when the approval result information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the approval result information.

According to an embodiment of the present invention, the validation of the approval result information may include at least one ledger information matching the approval result information in the ledger D / B 800 on the financial system associated with the approval result information registration system. It is preferable to include checking whether it is registered.

For example, the validity check on the approval result information confirms whether the head office information included in the approval result information matches the customer ledger stored in the ledger D / B 800 on the financial system associated with the approval result information registration system. It is preferable to include what is included.

If the validity of the approval result information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and information corresponding to the approval result information. Do not perform the registration process.

On the other hand, if the validity of the approval result information is authenticated (1035), the server performs the information registration procedure corresponding to the approval result information, the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch offices The transaction financial institution information is cooperatively processed and stored in the predetermined storage medium 805 (1045).

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the approval result information registration system (or associated with the approval result information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the approval result information registration system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the approval result information transmitted from the terminal.

11A and 11B illustrate a process of registering approval result information in a non-face-to-face manner in order to approve funds transfer from a foreign head office when a request is made to transfer funds from a domestic branch according to another exemplary embodiment of the present invention.

11A and 11B illustrate a case in which the approval result information registration system shown in FIG. 6 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the internet banking server and performing a predetermined customer authentication procedure through the Internet bank (for example, the Internet, etc.), when a request for money transfer is made from a domestic branch in the client terminal, the foreign head office receives predetermined approval result information for approval of money transfer. When the approval result information including the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information is transmitted to the internet banking server, the received information is received from the information registration server 600. Head office information, fund transfer approval information, transfer fund information, domestic branch information, branch office included in the result information The present invention relates to an implementation method of linking and processing information of a financial institution in a predetermined storage medium 640. Those skilled in the art may refer to and / or refer to FIGS. 11A and 11B. It will be possible to infer various implementation methods for registering the approval result information from the client terminal to the information registration server 600 by modifying, but the present invention includes all the implementation methods inferred, this figure 11a and 11b It is not limited to the implementation method shown by.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 11A and 11B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the approval result information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, Approving between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 11a and 11b. Result definition Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, a telebanking system And / or a method of connecting a non-face-to-face channel based financial transaction channel for registering approval result information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, wherein the technical configuration of the present invention is illustrated in FIG. It is by no means limited to the case of Internet banking shown in 11b.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another 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 in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1110a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information, etc. from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1115a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1120a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (1125a), or if the terminal does not need to install and / or update the security module for internet banking (1115a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm, and also to provide the server with the server for registration of the approval result information ( Or a predetermined digital signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another 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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and information to be provided to the server for registration of approval result information in the terminal. (Or data) attaches a predetermined electronic signature and / or at least one or more When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

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 (1135a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1140a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1145a).

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel for registering and transmitting predetermined approval result information for approval of money transfer from a foreign head office when a request for money transfer is made from a domestic branch to the server.

Subsequently, when the terminal requests the internet banking-based approval result information registration to the server through the inter-banking-based financial transaction channel for registration of the approval result information (1100b), the server provides a predetermined number for registering the approval result information. A web page corresponding to the information registration interface is generated (or extracted) (1105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1110b).

According to an embodiment of the present invention, the information registration interface inputs approval result information including at least one of head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information in the terminal (or And / or a predetermined password (e.g., account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the approval result information and / or the approval result information. ) And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or a one time password (e.g., an internet banking application process (or after an internet banking application) Enter the one-time password generated by the OTP authenticator (or OTP authentication program) provided to the customer by the institution. It further comprises an interface that is preferred.

In addition, the web page transmission and / or output process is preferably performed at least once according to the approval result information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) approval result information including at least one of the head office information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information through the information registration interface (1115b). ).

If the terminal receives (or selects) approval result information including the head office information, money transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information through the information registration interface (1120b), The terminal transmits the input (or selection) approval result information to the server through the financial transaction channel (1125b).

According to an embodiment of the present invention, transmitting the approval result information input (or selected) to the server through the financial transaction channel may include the approval result information input (or selected) through the information registration interface. It comprises the electronic signature and / or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the approval result information through the financial transaction channel to confirm the validity of the approval result information (1130b).

According to the exemplary embodiment of the present invention, checking the validity of the approval result information may include decrypting the approval result information when the approval result information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the approval result information.

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

According to an embodiment of the present invention, the validation of the approval result information may include at least one ledger information matching the approval result information in the ledger D / B 800 on the financial system associated with the approval result information registration system. It is preferable to include checking whether it is registered.

For example, the validity check on the approval result information confirms whether the head office information included in the approval result information matches the customer ledger stored in the ledger D / B 800 on the financial system associated with the approval result information registration system. It is preferred to include that.

If the validity of the approval result information is not authenticated (1135b), the server generates a web page including predetermined approval result information registration error information and transmits it to the terminal (1140b) and corresponds to the approval result information. Do not perform the information registration procedure.

On the other hand, if the validity of the approval result information is authenticated (1135b), the server performs an information registration procedure corresponding to the approval result information, so that the head office information, money transfer approval information, transfer funds information included in the approval result information In operation 1145b, the domestic branch information and the branch transaction financial institution information are linked and stored in a predetermined storage medium 805.

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the approval result information registration system (or associated with the approval result information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the approval result information registration system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined approval result information registration history information and transmits the generated web page to the terminal (1150b), thereby completing the registration of the approval result information transmitted from the terminal.

FIG. 12 is a diagram illustrating a face-to-face fund transfer information registration system for transferring funds to foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a fund including at least one branch office information, money transfer information, and money transfer approval information for transfer of funds to a foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch office. When the transfer application is completed and submitted, the predetermined window terminal 1275 acquires predetermined image contents corresponding to the funds transfer application through a predetermined image acquisition device, and transfers the funds transfer information registration system through a predetermined information registration interface. By providing the money transfer application information corresponding to the funds transfer application and the image content obtained from the funds transfer application, a predetermined money transfer request electronic document including the image content is generated and stored in a predetermined electronic document repository. The branch information included in the funds transfer application information, A system configuration for linking and processing money transfer information and money transfer approval information in a predetermined storage medium 1245. Specifically, the electronic document repository is linked with the money transfer information registration system through a predetermined communication means. It relates to an implementation method provided on an external system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to register fund transfer information for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by domestic branches. Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modified in this drawing 12, the head office in the country and the branch office in the case of a branch office or request from the head office, It may further include the method of implementation approved by the branch, but will be omitted for convenience.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the fund transfer information registration system. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 12, the money transfer application electronic document corresponding to the money transfer application will be described as being generated on the server side on the money transfer information registration system, but the present invention is limited thereto. The fund transfer request electronic document may be generated at a terminal that has acquired image content corresponding to the fund transfer application through a predetermined image acquisition device (eg, an electronic document generation function provided at the server side). The terminal is provided on the terminal to generate the funds transfer application electronic document), thereby the present invention is not limited.

Hereinafter, the funds transfer application information and the image contents corresponding to the funds transfer application prepared by the customer are provided through a predetermined information registration interface on the funds transfer information registration system shown in FIG. 12 to generate a predetermined funds transfer application electronic document. And a component corresponding to at least one or more means and / or functional configurations for storing the funds transfer application information in the predetermined storage medium 1245 and / or the functional configuration for convenience, the " information registration server 1200 " It is called.

Referring to FIG. 12 according to an embodiment of the present invention, a fund transfer information registration system for transferring funds to foreign head office approval result information corresponding to a fund transfer approval requested by the domestic branch office may include at least one financial institution branch ( Or an information registration terminal 1280 including a counter terminal 1275 provided at a branch), wherein the information registration terminal 1280 is provided on the fund transfer information registration system through a predetermined financial network. The communication channel is connected to the information registration server 1200 provided in the.

According to one embodiment of the present invention, the customer visits the financial institution branch (office) for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch, and the financial institution branch ( A transfer application for transfer of funds to foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch through a window provided at a branch (or through a clerk) (eg, requested by the domestic branch) A document with a form for filling in at least one item of information for the transfer of funds to foreign headquarters approval result information corresponding to the transfer of funds transfer), wherein the customer is required to provide a legal basis for the transfer application. In order to seal the seal of the customer is preferable.

Subsequently, when the customer submits the completed money transfer application to the teller, the teller scans the fund transfer application through a predetermined image acquisition device to obtain a predetermined image content, and a predetermined teller terminal 1275. Input (or select) funds transfer application information including at least one of image content obtained in response to the funds transfer application and branch information, money transfer information, and money transfer approval information written in the money transfer application; Correspondingly, the counter terminal 1275 preferably transmits the image contents and the money transfer application information to the information registration server 1200 provided on the money transfer information registration system through the financial network.

Here, the window terminal 1275 preferably includes a financial terminal used by an employee of the branch (or branch) of the financial institution, and the information registration server 1200 connected to the window terminal 1275 is the predetermined terminal. It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the teller terminal 1275 and the information registration server 1200 is connected to the teller terminal 1275 and the information. It is preferable to include a current network connecting the communication channel between the registration server (1200).

In the money transfer information registration system as described above, an image acquiring device for acquiring image contents corresponding to the money transfer application prepared by the customer, the teller terminal 1275 and the teller terminal 1275 used by the employee, and the The financial network connecting the information registration server 1200 has a function of an information registration interface for registering the money transfer application information for the transfer of funds to the foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch. Conduct.

The storage medium 1245 provided on the money transfer information registration system according to the present invention includes the branch information, money transfer information, and money transfer approval information included in the money transfer application information provided from the information registration terminal 1280. It is characterized by storing in a predetermined storage medium 1245 by the cooperative processing.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. The information received from the financial system linked to the information registration server 1200 is used to transfer the funds transfer approval information included in the SWIFT full text provided through the predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

According to an embodiment of the present invention, the storage medium 1245 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). In this case, the storage medium 1245 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1245 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the fund transfer information registration system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 1200 provided on the money transfer information registration system according to the present invention is a generic term for the components of the money transfer information registration system connected to the information registration terminal 1280 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 1280 is a window terminal 1275 connected to a predetermined financial network, the information registration server 1200 is the window terminal 1275 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 1200 is provided with an interface unit 1205 for connecting and managing a predetermined communication channel with the information registration terminal 1280 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1280 is a window terminal 1275 connected to a predetermined financial network, the interface unit 1205 is based on the protocol stack defined in the financial network. A communication interface for connecting at least one communication channel with a terminal 1275 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1275 is provided. It is preferable.

Referring to FIG. 12, when the predetermined information registration terminal 1280 connects a predetermined communication channel with the information registration server 1200 through the interface unit 1205, the information registration server 1200 may be connected with the domestic registration information. Acquiring image contents corresponding to the money transfer application created by the customer through a predetermined image acquisition device provided in the information registration terminal 1280 to transfer funds for foreign head office approval result information corresponding to the fund transfer approval requested by the branch office. And generate (or extract) at least one user interface for inputting (or selecting) funds transfer application information corresponding to the funds transfer application to be transmitted to the information registration server 1200, and the interface unit 1205. An interface provider 1210 for providing the generated (or extracted) user interface to the information registration terminal 1280 in association with; When the information registration terminal 1280 inputs (or selects) and transfers the money transfer application information corresponding to the money transfer application through the user interface, the information registration terminal 1280 in association with the interface unit 1205. An image corresponding to the money transfer application created by the customer through the information receiving unit 1215 for receiving the money transfer application information transmitted from the information registration terminal 1280 and a predetermined image acquisition device based on the user interface; When the content is obtained and transmitted, the image receiving unit 1220 receives an image content corresponding to the funds transfer application in association with the interface unit 1205.

The interface provider 1210 connects a predetermined communication channel with the information registration server 1200 through the interface 1205 through the interface registration unit 1205, and then the information registration server 1200 sends the information registration server 1200 to the information registration server 1200. When requesting a user interface for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by a domestic branch office, a money transfer application written by the customer through a predetermined image acquisition device provided in the information registration terminal 1280 Generating at least one user interface for acquiring image contents corresponding to the data transmission information, inputting (or selecting) the money transfer application information corresponding to the money transfer application, and transmitting the information to the information registration server 1200 through the financial network; And / or extract from a predetermined database (not shown), and in conjunction with the interface unit 1205 It is characterized in that the provided (or extracted) user interface to the information registration terminal 1280 through the financial network.

According to another embodiment of the present invention, the information registration terminal 1280 acquires image contents corresponding to the funds transfer application written by the customer through a predetermined image acquisition device, and the funds transfer application information corresponding to the funds transfer application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the information to the information registration server 1200 through the financial network, the predetermined image acquisition apparatus as described above. A user interface for acquiring image contents corresponding to the funds transfer application written by the customer, inputting (or selecting) funds transfer application information corresponding to the funds transfer application, and transmitting the information to the information registration server 1200; Interface providing unit (1) generated (or extracted) and provided to the information registration terminal 1280 210 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1280 inputs (or selects) the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the user interface. The money transfer application information is transmitted to the information registration server 1200 through the financial network. In response thereto, the information receiving unit 1215 is connected to the interface unit 1205 from the information registration terminal 1280. Characterized in that the received funds transfer application information transmitted.

In addition, the information registration terminal 1280 obtains the image content corresponding to the funds transfer application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 1220 receives the image contents corresponding to the funds transfer application in association with the interface unit 1205.

According to another exemplary embodiment of the present invention, the information registration terminal 1280 is provided with the information registration terminal 1280 by acquiring image content corresponding to the funds transfer application written by the customer through a predetermined image acquisition device. When the information is stored in a predetermined storage device (or associated), the information registration terminal 1280 may correspond to a money transfer application written by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content is selected and transmitted to the information registration server 1200 through the financial network. In response, the image receiving unit 1220 is connected to the interface unit 1205 to transmit image content corresponding to the funds transfer application. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 1280 transmits the image contents corresponding to the funds transfer application written by the customer and the funds transfer application information corresponding to the funds transfer application through the user interface. In this case, the information receiving unit 1215 may receive the image content corresponding to the funds transfer application and the money transfer application information together with the interface unit 1205 (eg, the image receiving unit 1220 may include the image receiving unit 1220. Integrated into the information receiving unit 1215), whereby the present invention is not limited thereto.

Referring to FIG. 12, the information registration server 1200 receives the money transfer request information transmitted from the information registration terminal 1280 through the information receiving unit 1215. It is characterized in that it is provided with a validity check unit 1225 to check whether the validity for the transfer of funds for foreign head office approval result information corresponding to the approval of the transfer of funds requested by the domestic branch.

According to the method of the present invention, the validity of the money transfer application information is registered at least one or more ledger information matching the money transfer application information in the ledger D / B on the financial system associated with the money transfer information registration system It is preferable to include checking whether it is done.

For example, the validity confirming unit 1225 may include, among the information included in the fund transfer application information, the branch information (branch company information, member information, etc.) of the ledger on the financial system associated with the fund transfer information registration system. It is desirable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D It is desirable to include checking whether it matches the ledger stored in / B, or in connection with the financial system provided in another financial institution, or whether it matches the ledger stored in the ledger D / B on another financial institution's financial system. Do.

In addition, the validity of the branch account information included in the funds transfer application information may include the account ledger stored in the ledger D / B on the financial system linked to the fund transfer information registration system. It is desirable to include checking that a match is made.

In addition, the verification of the validity of the transfer funds information included in the funds transfer application information is registered in the approval result information shown in Fig. 1 or 6 stored in the ledger D / B on the financial system associated with the transfer information registration system It is preferable to check whether the information is matched with the approval result information including at least one of headquarters information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information provided from the system.

In addition, the SWIFT full text provided from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B on the financial system linked to the fund transfer information registration system may be used to confirm the validity of the money transfer approval information. It is preferable to include whether the matching information including the head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the at least one.

Referring to FIG. 12, the information registration server 1200 receives the image content transmitted from the information registration terminal 1280 through the image receiving unit 1220, and receives the funds through the validity checking unit 1225. When the validity of the transfer request information is authenticated, an electronic document generation unit 1230 for generating a predetermined money transfer request electronic document including the received image content, and the money transfer request electronic document in the fund transfer information And an electronic document transmission unit 1235 for transmitting to the electronic document repository associated with the registration system.

The electronic document generation unit 1230 generates a funds transfer request electronic document including the image content received from the information registration terminal 1280 through the image receiving unit 1220.

According to an embodiment of the present invention, the electronic document generating unit 1230 is the image office including the image content received from the information registration terminal 1280 through the image receiving unit 1220 as it is in the domestic branch office It is preferable to process the funds transfer application electronic document for the transfer of funds to the foreign head office approval result information corresponding to the requested funds transfer approval.

Alternatively, the electronic document generator 1230 is included in the money transfer application information received through the information receiver 1215 to the image content received from the information registration terminal 1280 through the image receiver 1220. Foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office for an image file corresponding to the image content including at least one of branch information, money transfer information, and money transfer approval information by watermarking It is desirable to create a fund transfer request electronic document for the transfer of funds.

According to another embodiment of the present invention, the electronic document generating unit 1230 is a predetermined document file (eg, including the image content received from the information registration terminal 1280 through the image receiving unit 1220) In the domestic office by generating 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 desirable to create a fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the requested transfer of funds.

Alternatively, the electronic document generator 1230 is included in the money transfer application information received through the information receiver 1215 to the image content received from the information registration terminal 1280 through the image receiver 1220. Generate image content including at least one or more of branch information, money transfer information, and money transfer approval information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable) including the generated image content. A document format (EDI) file, an EDI file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to generate a fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the approval. .

According to another embodiment of the present invention, the electronic document generating unit 1230 is the image content received from the information registration terminal 1280 through the image receiving unit 1220 and through the information receiving unit 1215 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the received funds transfer application information, or MHT By generating a web document file, etc.), it is preferable to generate a fund transfer application electronic document for the transfer of funds to the foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch.

Alternatively, the electronic document generator 1230 is included in the money transfer application information received through the information receiver 1215 to the image content received from the information registration terminal 1280 through the image receiver 1220. A predetermined document file including image information including at least one or more of branch information, money transfer information, and money transfer approval information in a watermarking manner, and including the generated image content and the money transfer application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Fund transfer application electronic document for the transfer of funds to foreign headquarters approval result information corresponding to the fund transfer approval requested by the domestic branch To produce preferred.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 1230 for generating an electronic document for transfer of funds in an image file format and / or a predetermined document file format, and the funds. You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the transfer request electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1235 transmits and stores the funds transfer application electronic document generated by the electronic document generation unit 1230 to a predetermined electronic document repository associated with the fund transfer information registration system. do.

As shown in FIG. 12, the electronic document repository is connected to an information registration server 1200 on the fund transfer information registration system through a predetermined communication means and a predetermined electronic document server 1250 and an electronic document D / B ( 1270, the electronic document transmission unit 1235, the electronic document server 1250 via the communication means for the electronic document transfer request electronic document generated by the electronic document generation unit 1230. It is characterized in that for transmitting.

Here, when the electronic document server 1250 and the electronic document D / B 1270 are provided outside the fund transfer information registration system, the electronic document server 1250 and the electronic document D / B 1270 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the electronic document transmitting unit 1235 is generated by the electronic document generating unit 1230. The funds transfer application electronic document may be stored in the electronic document D / B 1270 corresponding to the electronic document storage on the DBMS provided in the fund transfer information registration system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1235 may transmit electronic document related information (eg, transfer of funds corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 1250. Customer information that filled out the application, and / or financial institution information transmitting the funds transfer application electronic document, and / or electronic document file format information, and / or the money transfer application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 12, the information registration server 1200 is a foreign country corresponding to the money transfer request requested by the domestic branch through the validity check unit 1225, the money transfer application information received through the information receiving unit 1215. When the validity for the transfer of funds to the head office approval result information is authenticated, the branch information, the fund transfer information, and the fund transfer approval information included in the validated funds transfer application information are linked to a predetermined storage medium 1245. It is characterized by comprising an information storage unit 1240 for storing.

When the validity of the money transfer application information is confirmed by the validity checker 1225, the information storage unit 1240 links branch information, money transfer information, and money transfer approval information included in the money transfer application information. Process the data to be stored in the storage medium 1245, and the storage medium 1245 is provided in the information registration server 1200 or on the network associated with the information registration server 1200. The information storage unit 1240 preferably stores and stores the branch information, fund transfer information, and money transfer approval information included in the received fund transfer application information in the storage medium 1245. If the 1245 is provided in the DBMS provided on the financial system, the information storage unit 1240 is the branch information, funds transfer information, fund transfer approval information included in the received money transfer application information The information provided to step through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 12, an electronic document for receiving a predetermined money transfer request electronic document from the information registration server 1200 provided on the money transfer information registration system and storing and managing the electronic document D / B 1270 in a predetermined electronic document D / B 1270. The document server 1250 may include an electronic document receiving unit 1255 for receiving a predetermined funds transfer request electronic document from the information registration server 1200 through a predetermined communication means, and the electronic document receiving unit 1255. An information generation unit 1260 for generating predetermined electronic document management information for storing and managing in the document D / B 1270, and the electronic document management information and the funds transfer application electronic document in a cooperative process for a predetermined electronic document. And an electronic document storage unit 1265 for storing in the D / B 1270.

The electronic document receiving unit 1255 may receive the funds transfer request electronic document in the form of an image file and / or a document file from the information registration server 1200 through the communication means.

According to an embodiment of the present invention, the funds transfer application electronic document received by the electronic document receiving unit 1255 through the communication means is the image content received by the information registration server 1200 from the information registration terminal 1280. It is preferable that the image file including the same as it is made.

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1255 through the communication means is the money transfer request information on the image content received by the information registration server 1200 from the information registration terminal 1280. It is preferable to include an image file corresponding to the image content including at least one or more of the branch information, funds transfer information, funds transfer approval information contained in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the funds transfer request electronic document received by the electronic document receiving unit 1255 through the communication means is an image received by the information registration server 1200 from the information registration terminal 1280. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the fund transfer request electronic document received by the electronic document receiving unit 1255 through the communication means is included in the fund transfer request information on the image content received by the information registration server 1200 from the information registration terminal 1280. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) containing image content including at least one or more of branch office information, money transfer information, and money transfer approval information included in a watermarking manner. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the funds transfer application electronic document received by the electronic document receiving unit 1255 through the communication means received by the information registration server 1200 from the information registration terminal 1280 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document content including the image contents and the funds transfer application information; Or a web document file including the MHT).

Alternatively, the fund transfer request electronic document received by the electronic document receiving unit 1255 through the communication means is included in the fund transfer request information on the image content received by the information registration server 1200 from the information registration terminal 1280. Image contents including at least one or more of branch office information, money transfer information, and money transfer approval information in a watermarking manner, and a predetermined document file (eg, a PDF (Portable Document) including the money transfer application information. Format file, 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).

The information generating unit 1260 is a predetermined electronic document unique number (or unique information) to be assigned to the funds transfer application electronic document received through the electronic document receiving unit 1255, and through the electronic document receiving unit 1255 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the funds transfer application electronic document was stored).

According to an embodiment of the present invention, the information generation unit 1260 refers to the information transfer server 1200 that transmitted the funds transfer request electronic document received through the electronic document receiving unit 1255, the money transfer request. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1200 through the electronic document receiving unit 1255, the information generating unit 1260 receives the received information. Electronic document-related information (e.g., customer information for which a fund transfer application corresponding to the image content is prepared, and / or financial institution information for transmitting the fund transfer request electronic document, and / or electronic document file format information, and / or It is preferable to generate electronic document management information, which further includes fund transfer application information.

The electronic document storage unit 1265 associates the funds transfer request electronic document received through the electronic document receiving unit 1255 with the electronic document management information generated through the information generating unit 1260, thereby providing a predetermined electronic document D. / B 1270, characterized in that the storage.

According to the exemplary embodiment of the present invention, the money transfer request electronic document stored in the electronic document D / B 1270 by the electronic document storage unit 1265 is the information registration server 1200 of the information registration terminal 1280. It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the fund transfer request electronic document stored in the electronic document D / B 1270 by the electronic document storage unit 1265 may be the image content received by the information registration server 1200 from the information registration terminal 1280. It is preferable to include an image file corresponding to the image content including at least one or more of the branch information, funds transfer information, fund transfer approval information included in the funds transfer application information in a watermarking method (Watermarking). .

According to another embodiment of the present invention, the money transfer request electronic document stored in the electronic document storage unit 1265 in the electronic document D / B (1270) is the information registration server 1200 is the information registration terminal ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including image content received from 1280, or Web document file including MHT).

Alternatively, the funds transfer request electronic document stored in the electronic document D / B 1270 by the electronic document storage unit 1265 may be stored in the image content received by the information registration server 1200 from the information registration terminal 1280. A predetermined document file (eg, PDF (Portable Document) including image content including at least one or more of branch information, fund transfer information, and fund transfer approval information included in the funds transfer application information by a watermarking method. Format file, 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 embodiment of the present invention, the funds transfer application electronic document stored in the electronic document D / B 1270 by the electronic document storage unit 1265 is the information registration server 1200 is the information registration terminal At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from 1280 and the money transfer application information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the funds transfer request electronic document stored in the electronic document D / B 1270 by the electronic document storage unit 1265 may be stored in the image content received by the information registration server 1200 from the information registration terminal 1280. Image content including at least one or more of branch information, fund transfer information, and fund transfer approval information included in the funds transfer application information by a watermarking method, and a predetermined document file including the funds transfer application information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1270 by the electronic document storage unit 1265 in association with the funds transfer electronic document is stored in the electronic money transfer application. Preferably, a predetermined electronic document unique number (or unique information) assigned to the electronic document and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1270 by processing the electronic document storage unit 1265 in association with the electronic document transfer request electronic document, the funds transfer application It is preferable that the financial institution further includes information on the financial institution that transmitted the funds transfer request electronic document identified with reference to the information registration server 1200 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 1200, the electronic document storage unit 1265 is processed in association with the funds transfer request electronic document and the The electronic document management information stored in the electronic document D / B 1270 may include the received electronic document related information (for example, customer information for which a money transfer application corresponding to the image content is prepared, and / or the electronic document for transferring money). Financial institution information, and / or electronic document file format information, and / or the money transfer application information).

Figure 13 shows the ledger D / B (1300) provided in the DBMS on the financial system in a face-to-face manner for the transfer of funds for the foreign headquarters approval result information corresponding to the funds transfer approval requested by the domestic branch in accordance with an embodiment of the present invention It is a figure which shows the structure of the stored fund transfer application information.

In more detail, in FIG. 13, when the storage medium 1245 illustrated in FIG. 12 is the ledger D / B 1300 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 1300 is used. As the information structure for an embodiment of the method for storing the money transfer application information including the branch information, the money transfer information, and the money transfer approval information, the person having ordinary knowledge in the technical field to which the present invention belongs, 13 may be inferred from various information construction methods for storing the money transfer application information in the ledger D / B 1300 by referring to and / or modifying the present invention. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1300 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 1300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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. 13, the fund transfer application information provided through the fund transfer information registration system shown in FIG. 12 is stored in the form of additional information added to the account ledger, and the fund transfer application information is branch information. It includes, at least one or more funds transfer information, fund transfer approval information.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. The information received from the financial system linked to the information registration server 1200 is used to transfer the funds transfer approval information included in the SWIFT full text provided through the predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

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

Figure 14 shows the ledger D / B (1400) provided in the DBMS on the financial system in a face-to-face manner for the transfer of funds for foreign head office approval result information corresponding to the funds transfer approval requested by the domestic branch according to another embodiment of the present invention; Figure is a diagram showing the configuration of the application information transfer funds stored in the associated database.

In more detail, FIG. 14 illustrates an information method of an exemplary embodiment in which the storage medium 1245 illustrated in FIG. 12 is stored in a predetermined database linked to the ledger D / B 1400 included in a DBMS on a financial system. As shown in the drawings, a person skilled in the art to which the present invention pertains may refer to and / or modify the drawing 14 to link the money transfer application information to the ledger D / B 1400 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. 14, when it is not easy to store the money transfer application information in the ledger information of the ledger D / B 1400 on the DBMS provided on the financial system (for example, the director of the DBMS in accordance with the policy of a financial institution). If it is not easy to change the D / B 1400 or the system is not easy to expand due to the characteristics of the financial system), the information on the transfer of funds is stored in a predetermined database instead of the ledger D / B 1400. FIG. 1 illustrates an implementation method of linking and storing the database and the ledger D / B 1400.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 14, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 14, the database may store and store branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information, and the fund transfer application information may be stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the fund transfer application information in order to be processed in connection with 1400.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. The information received from the financial system linked to the information registration server 1200 is used to transfer the funds transfer approval information included in the SWIFT full text provided through the predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

15 is a request for transfer of funds stored in the DBMS provided in the banking server 1500 in a face-to-face manner for the transfer of funds for foreign head office approval result information corresponding to the transfer of funds requested by a domestic branch according to another embodiment of the present invention. It is a figure which shows an information structure.

More specifically, in Figure 15, a predetermined banking system in which the storage medium 1245 shown in Figure 12 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server 1500, if one of ordinary skill in the art to which the present invention pertains, at least one or more banking server (see FIG. Although it may be possible to infer a method of constructing information on funds transfer application information stored in a predetermined DBMS provided at 1500, the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. It is not limited.

Referring to FIG. 15, a predetermined DBMS provided in the banking server 1500 may store and store branch information, money transfer information, and money transfer approval information included in the money transfer application information.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. The information received from the financial system linked to the information registration server 1200 is used to transfer the funds transfer approval information included in the SWIFT full text provided through the predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

16A and 16B illustrate a process of registering funds transfer application information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 16A and 16B show a window terminal 1275 provided with an information registration terminal 1280 on a fund transfer information registration system shown in FIG. 12 at a financial institution branch (or a branch), and the information registration server. In the case where the 1200 has a ledger server (not shown) function on the financial system associated with the teller terminal 1275 through a predetermined financial network, a foreign customer corresponding to the fund transfer approval requested by the domestic branch office is provided. When a fund transfer application including at least one branch office information, a fund transfer information, and a fund transfer approval information is prepared and submitted for fund transfer of the head office approval result information, a predetermined image obtaining apparatus is provided through a predetermined window terminal 1275. Acquire a predetermined image content corresponding to the funds transfer application, and the person to the funds transfer information registration system through a predetermined information registration interface When the fund transfer application information corresponding to the transfer application and the image content obtained from the transfer application are provided, a predetermined transfer request electronic document including the image content is generated and stored in a predetermined electronic document repository. A method for executing the cooperative processing of the branch information, the money transfer information, and the money transfer approval information included in the money transfer application information, and storing the same in a predetermined storage medium 1245. Specifically, the predetermined method in the counter terminal 1275 is performed. After obtaining predetermined image contents corresponding to the funds transfer application through the image acquisition device and transmitting the predetermined image content to the information registration server 1200, input (or select) the funds transfer application information corresponding to the funds transfer application; The implementation method of transmitting to the information registration server 1200 is shown.

Those skilled in the art to which the present invention pertains may register the funds transfer application information from the terminal 1275 to the information registration server 1200 by referring to and / or modifying the drawings 16a and 16b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

For example, in the implementation method illustrated in FIGS. 16A and 16B, the counter terminal 1275 acquires predetermined image contents corresponding to the funds transfer application through a predetermined image acquisition device, and / or the funds transfer application. Although the user interface for inputting (or selecting) the funds transfer application information corresponding to the drawing is described as being provided from the information registration server 1200, but if the counter terminal 1275 is provided with a predetermined information registration program, The user interface may not be provided from the information registration server 1200, and thus the present invention is not limited thereto.

In the following Figures 16a and 16b, the window terminal 1275 shown in Figure 12 is referred to as "terminal" for convenience, and the information registration server 1200 shown in Figure 12 is referred to as "server" for convenience. The branch information, money transfer information, and money transfer approval information transmitted from the counter terminal 1275 to the information registration server 1200 are referred to as "money transfer application information" for convenience.

Referring to FIGS. 16A and 16B, a predetermined customer includes at least one branch information, money transfer information, and money transfer approval information for transferring funds to foreign head office approval result information corresponding to the money transfer approval requested by a domestic branch office. When a fund transfer application is prepared and submitted, the counter terminal 1275 shown in FIG. 12 connects to the server through a predetermined financial network and connects a predetermined communication channel to a domestic branch corresponding to the fund transfer application. When requesting a user interface for the transfer of funds for the foreign headquarters approval result information corresponding to the approval of the transfer of funds requested by the user (1600), in response to the server transfers the funds transfer application written by the customer through a predetermined image acquisition device A user for acquiring predetermined image content corresponding to and transmitting the same to the server. Generating the interface (or extract), and 1605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (1610).

Thereafter, the terminal acquires image content corresponding to the funds transfer application through a predetermined image acquisition device based on the user interface (1615).

If image content corresponding to the funds transfer application is acquired through the image acquisition device (1620), the terminal transmits the acquired image content to the server through the financial network (1625).

Thereafter, the server inputs (or selects) money transfer application information including at least one or more branch information, money transfer information, and money transfer approval information corresponding to the money transfer application that matches the image content, and transmits it to the server. A user interface for generating (or extracting) the user interface 1630 and transmitting the generated (or extracted) user interface to the terminal through the financial network (1635).

Thereafter, the terminal inputs (or selects) money transfer application information including at least one of the branch information, money transfer information, and money transfer approval information through the user interface (1640).

If the funds transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information is input (or selected) through the user interface (1645), the terminal transmits the information to the server through the financial network. The input (or selected) funds transfer application information is transmitted (1650).

Thereafter, the server receives and reads the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the financial network to confirm the validity of the money transfer application information (1655). ).

According to an embodiment of the present invention, the validity check of the money transfer application information is at least one ledger matched with the money transfer application information to the ledger D / B 1400 on the financial system associated with the money transfer information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1225 may include, among the information included in the money transfer application information, the customer information (customer information, member information, etc.) of the ledger on the financial system linked to the money transfer information registration system. It is preferable to include a check that matches the customer ledger stored in the B (1400).

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D Check whether it matches the ledger stored in / B (1400), or whether it matches the ledger stored in the ledger D / B (1400) of the other financial institution financial system in conjunction with the financial system provided in another financial institution It is preferable to comprise.

In addition, the validity check of the branch account information included in the funds transfer application information, the branch account information included in the funds transfer information to the ledger D / B (1400) on the financial system associated with the transfer information registration system It is preferable to include checking whether the match with the stored ledger.

In addition, the verification of the validity of the transfer funds information included in the transfer information application for approval is shown in Fig. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the transfer information registration system Result It is desirable to check whether the information is matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the SWIFT full text provided from the registration information system. .

In addition, the validation of the money transfer approval information is provided from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the fund transfer information registration system. It is preferable to include whether or not matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the received SWIFT full text.

If the validity of the money transfer application information is not authenticated (1660), the server generates predetermined information registration error information and transmits it to the terminal (1665), and performs an information registration procedure corresponding to the money transfer application information. Do not perform.

On the other hand, if the validity of the money transfer application information is authenticated (1660), the server generates a predetermined money transfer application electronic document including the image content (1670).

According to an embodiment of the present invention, the server corresponds to the fund transfer approval requested by the domestic branch as it is an image file including the image content received from the information registration terminal 1280 through the image receiving unit 1220. It is advisable to process the funds transfer application electronic documents for the transfer of funds for foreign head office approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. For fund transfer of foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office for an image file corresponding to an image content including at least one or more information of the money transfer approval information in a watermarking manner It is desirable to create a transfer request electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 1280 through the image receiving unit 1220. 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 desirable to generate a fund transfer application electronic document for the transfer of funds to the corresponding foreign headquarters approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. Generating an image content including at least one or more information of money transfer approval information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or A foreign head office corresponding to the approval of the transfer of funds requested by the domestic branch office by generating 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 desirable to generate a fund transfer application electronic document for the transfer of the approval result information.

According to another exemplary embodiment of the present invention, the server requests the transfer of funds received through the image receiving unit 1215 and the image content received from the information registration terminal 1280 through the image receiving unit 1220. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc.), it is preferable to generate a fund transfer application electronic document for the transfer of funds to the foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. And generating an image content including at least one or more information of the money transfer approval information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content and the money transfer application information. A document format (EDI) file, an EDI file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is recommended to generate a fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the approval. Is recommended.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a fund transfer application electronic document in an image file format and / or a predetermined document file format, and correspond to the fund transfer application electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated funds transfer application electronic document in a predetermined electronic document storage (1675).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1250 and an electronic document D / B 1270 associated with a server on the fund transfer information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated funds transfer application electronic document to the electronic document server 1250 through the communication means to store in the electronic document D / B (1270).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the server stores the generated electronic money transfer request electronic document on a DBMS provided in the fund transfer information registration system. It is possible to store in the electronic document D / B 1270 corresponding to the above, thereby the present invention is not limited.

According to the implementation method of the present invention, storing the funds transfer application electronic document in the electronic document storage, as shown in FIG. 12 by the process of linking the generated funds transfer application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (1270).

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

The electronic document management information may further include information on a financial institution that transmitted the funds transfer request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a money transfer application corresponding to the image content, and / or financial institution information for transmitting the money transfer application electronic document, and / or Electronic document file format information, and / or the money transfer application information).

If the funds transfer application electronic document is stored in the electronic document storage (1680), the server processes the branch information, money transfer information, and money transfer approval information included in the money transfer application information in a predetermined storage medium. 1405, the information registration history information (e.g., the history of storing the electronic funds transfer application electronic document in the electronic document storage, and / or apply for the transfer of funds to the storage medium 1405) The information storing the information) is generated (or extracted) and transmitted to the terminal (1690).

According to an embodiment of the present invention, the storage medium 1405 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). When the storage medium 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1400, thereby the invention This is not limited.

According to another embodiment of the present invention, the storage medium 1405 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

17A and 17B illustrate a process of registering fund transfer application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B show a window terminal 1275 provided with an information registration terminal 1280 on a fund transfer information registration system shown in FIG. 12 at a financial institution branch (or a branch), and the information registration server. In the case where the 1200 has a ledger server (not shown) function on the financial system associated with the teller terminal 1275 through a predetermined financial network, a foreign customer corresponding to the fund transfer approval requested by the domestic branch office is provided. When a fund transfer application including at least one branch office information, a fund transfer information, and a fund transfer approval information is prepared and submitted for fund transfer of the head office approval result information, a predetermined image obtaining apparatus is provided through a predetermined window terminal 1275. Acquire a predetermined image content corresponding to the funds transfer application, and the person to the funds transfer information registration system through a predetermined information registration interface When the fund transfer application information corresponding to the transfer application and the image content obtained from the transfer application are provided, a predetermined transfer request electronic document including the image content is generated and stored in a predetermined electronic document repository. A method for executing the cooperative processing of the branch information, the money transfer information, and the money transfer approval information included in the money transfer application information, and storing the same in the predetermined storage medium 1245. Specifically, the funds in the teller terminal 1275 After inputting (or selecting) funds transfer application information corresponding to the transfer application to the information registration server 1200, and obtaining predetermined image contents corresponding to the funds transfer application through a predetermined image acquisition device The implementation method of transmitting to the information registration server 1200 is shown.

Those skilled in the art to which the present invention pertains may register the funds transfer application information from the terminal 1275 to the information registration server 1200 by referring to and / or modifying the drawings 17a and 17b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 17A and 17B.

For example, in the implementation method shown in FIGS. 17A and 17B, the teller terminal 1275 acquires predetermined image contents corresponding to the funds transfer application through a predetermined image acquisition device, and / or the funds transfer application. Although the user interface for inputting (or selecting) the funds transfer application information corresponding to the drawing is described as being provided from the information registration server 1200, but if the counter terminal 1275 is provided with a predetermined information registration program, The user interface may not be provided from the information registration server 1200, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1275 shown in FIG. 12 in FIG. 17A and FIG. 17B will be referred to as "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 will be referred to as "server" for convenience. The branch information, money transfer information, and money transfer approval information transmitted from the counter terminal 1275 to the information registration server 1200 are referred to as "money transfer application information" for convenience.

Referring to FIGS. 17A and 17B, a customer includes at least one branch information, money transfer information, and money transfer approval information for transferring money to foreign head office approval result information corresponding to the money transfer approval requested by a domestic branch office. When a fund transfer application is prepared and submitted, the counter terminal 1275 shown in FIG. 12 connects to the server through a predetermined financial network and connects a predetermined communication channel to a domestic branch corresponding to the fund transfer application. When requesting a user interface for the transfer of funds for foreign headquarters approval result information corresponding to the fund transfer approval requested by (1700), in response, the server requests branch information, fund transfer information, Enter (or select) funds transfer application information that includes at least one transfer authorization information. The user interface is generated (or extracted) for transmission to the server (1705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1710).

Thereafter, the terminal inputs (or selects) money transfer application information including at least one of the branch information, money transfer information, and money transfer approval information through the user interface (1715).

If funds transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information is input (or selected) through the user interface (1720), the terminal transmits the server through the financial network. The input (or selected) funds transfer application information is transmitted (1725).

Thereafter, the server receives and reads the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the financial network to confirm the validity of the money transfer application information (1730). ).

According to an embodiment of the present invention, the validity check of the money transfer application information is at least one ledger matched with the money transfer application information to the ledger D / B 1400 on the financial system associated with the money transfer information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1225 may include, among the information included in the fund transfer application information, the branch information (branch company information, member information, etc.) of the ledger on the financial system associated with the fund transfer information registration system. It is preferable to include a check that matches the customer ledger stored in the B (1400).

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D Check whether it matches the ledger stored in / B (1400), or whether it matches the ledger stored in the ledger D / B (1400) of the other financial institution financial system in conjunction with the financial system provided in another financial institution It is preferable to comprise.

In addition, the validity check of the branch account information included in the funds transfer application information, the branch account information included in the funds transfer information is stored in the ledger D / B (1400) on the financial system linked to the transfer information registration system It is desirable to include checking that it matches the ledger.

In addition, the verification of the validity of the transfer funds information included in the transfer information application for approval is shown in Fig. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the transfer information registration system Result It is desirable to check whether the information is matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the SWIFT full text provided from the registration information system. .

In addition, the validation of the money transfer approval information is provided from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the fund transfer information registration system. It is preferable to include whether or not matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch transaction financial institution information included in the received SWIFT full text.

If the validity of the money transfer application information is not authenticated (1735), the server generates predetermined information registration error information and transmits it to the terminal (1740), and performs an information registration procedure corresponding to the money transfer application information. Do not perform.

On the other hand, if the validity of the money transfer application information is authenticated (1735), the server acquires the predetermined image content corresponding to the money transfer application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (1745), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1750).

Thereafter, the terminal acquires image content corresponding to the funds transfer application through a predetermined image obtaining apparatus based on the user interface (1755).

If image content corresponding to the funds transfer application is obtained through the image acquisition device (1760), the terminal transmits the obtained image content to the server through the financial network (1765).

The server, which has received the money transfer request information and the image content from the terminal, generates a predetermined money transfer request electronic document including the image content (1770).

According to an embodiment of the present invention, the server corresponds to the fund transfer approval requested by the domestic branch as it is an image file including the image content received from the information registration terminal 1280 through the image receiving unit 1220. It is advisable to process the funds transfer application electronic documents for the transfer of funds for foreign head office approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. For fund transfer of foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office for an image file corresponding to an image content including at least one or more information of the money transfer approval information in a watermarking manner It is desirable to create a transfer request electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 1280 through the image receiving unit 1220. 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 desirable to generate a fund transfer application electronic document for the transfer of funds to the corresponding foreign headquarters approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. Generating an image content including at least one or more information of money transfer approval information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or A foreign head office corresponding to the approval of the transfer of funds requested by the domestic branch office by generating 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 desirable to generate a fund transfer application electronic document for the transfer of the approval result information.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 1280 through the image receiving unit 1220 and the money transfer application information received through the information receiving unit 1215. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a fund transfer application electronic document for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. And generating an image content including at least one or more information of the money transfer approval information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content and the money transfer application information. A document format (EDI) file, an EDI file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is recommended to generate a fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the approval. Is recommended.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a fund transfer application electronic document in an image file format and / or a predetermined document file format, and correspond to the fund transfer application electronic document. You will be familiar with the technical features of the file format for the image file and / or document file, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated funds transfer application electronic document in a predetermined electronic document storage (1775).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1250 and an electronic document D / B 1270 associated with a server on the fund transfer information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated funds transfer application electronic document to the electronic document server 1250 through the communication means to store in the electronic document D / B (1270).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the server stores the generated electronic money transfer request electronic document on a DBMS provided in the fund transfer information registration system. It is possible to store in the electronic document D / B 1270 corresponding to the above, thereby the present invention is not limited.

According to the implementation method of the present invention, storing the funds transfer application electronic document in the electronic document storage, as shown in Figure 12 by the process of processing the generated funds transfer application electronic document and the predetermined electronic document management information It is preferable to include storing in the electronic document D / B (1270).

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

The electronic document management information may further include information on a financial institution that transmitted the funds transfer request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a money transfer application corresponding to the image content, and / or financial institution information for transmitting the money transfer application electronic document, and / or Electronic document file format information, and / or the money transfer application information).

If the funds transfer application electronic document is stored in the electronic document storage unit (1780), the server processes the branch information, money transfer information, and money transfer approval information included in the money transfer application information in a predetermined storage medium. Stored in 1405 (1785), predetermined information registration history information (e.g., the details of storing the funds transfer application electronic document in the electronic document storage, and / or the information on the transfer of funds to the storage medium 1405) (1790) is generated (or extracted) and transmitted to the terminal.

According to an embodiment of the present invention, the storage medium 1405 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). When the storage medium 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1400, thereby the invention This is not limited.

According to another embodiment of the present invention, the storage medium 1405 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

18A and 18B are views illustrating a process of registering funds transfer application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figs. 18A and 18B are window terminals 1275 in which an information registration terminal 1280 on the fund transfer information registration system shown in Fig. 12 is provided at a branch of a financial institution (or a branch). In the case where the 1200 has a ledger server (not shown) function on the financial system associated with the teller terminal 1275 through a predetermined financial network, a foreign customer corresponding to the fund transfer approval requested by the domestic branch office is provided. When a fund transfer application including at least one branch office information, a fund transfer information, and a fund transfer approval information is prepared and submitted for fund transfer of the head office approval result information, a predetermined image obtaining apparatus is provided through a predetermined window terminal 1275. Acquire a predetermined image content corresponding to the funds transfer application, and the person to the funds transfer information registration system through a predetermined information registration interface When the fund transfer application information corresponding to the money transfer application and the image content obtained from the fund transfer application are provided, a predetermined money transfer application electronic document including the image content is generated and stored in a predetermined electronic document repository, The method for executing the cooperative processing of the branch information, the money transfer information, and the money transfer approval information included in the money transfer application information, and storing the same in a predetermined storage medium 1245. Specifically, the counter terminal 1275 Acquiring predetermined image contents corresponding to the funds transfer application through the image acquisition device of the user, and inputting (or selecting) funds transfer application information corresponding to the funds transfer application to the information registration server 1200. The method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 18a and 18b to transfer the money transfer application information from the terminal 1275 to the information registration server 1200. Various implementation methods for registering may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 18A and 18B.

For example, in the implementation method shown in FIGS. 18A and 18B, the teller terminal 1275 acquires predetermined image contents corresponding to the funds transfer application through a predetermined image acquisition device, and / or the funds transfer application. Although the user interface for inputting (or selecting) the funds transfer application information corresponding to the drawing is described as being provided from the information registration server 1200, but if the counter terminal 1275 is provided with a predetermined information registration program, The user interface may not be provided from the information registration server 1200, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1275 shown in FIG. 12 in FIG. 18A and FIG. 18B will be referred to as "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 will be referred to as "server" for convenience. The branch information, money transfer information, and money transfer approval information transmitted from the counter terminal 1275 to the information registration server 1200 are referred to as "money transfer application information" for convenience.

Referring to FIGS. 18A and 18B, at least one branch office information, money transfer information, and money transfer approval information are included to transfer funds to a foreign head office approval result information corresponding to a transfer of funds requested by a domestic branch office. When the funds transfer application is made and submitted, the counter terminal 1275 shown in FIG. 12 connects to the server through a predetermined financial network and connects a predetermined communication channel to the domestic terminal corresponding to the funds transfer application. When a user interface for requesting a user interface for the transfer of funds for foreign head office approval result information corresponding to a request for transfer of funds requested by a branch is requested (1800), in response, the server requests for a transfer of funds corresponding to the application for transferring funds created by the customer at the terminal. Enter (or select) information and apply the funds transfer application through a predetermined image acquisition device. Generates (or extracts) a user interface for acquiring and transmitting corresponding image content to the server (1805), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs the same. (1810).

Thereafter, the terminal inputs (or selects) money transfer application information including at least one of the branch information, money transfer information, and money transfer approval information through the user interface (1815).

If the funds transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information is input (or selected) through the user interface (1820), the terminal determines a predetermined value based on the user interface. The image acquisition apparatus obtains image contents corresponding to the funds transfer application (1825).

If image content corresponding to the funds transfer application is obtained through the image acquisition device (1830), the terminal transmits the funds transfer application information and image contents to the server through the financial network (1835).

Thereafter, the server receives and reads the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the financial network to confirm the validity of the money transfer application information (1840). ).

According to an embodiment of the present invention, the validity check of the money transfer application information is at least one ledger matched with the money transfer application information to the ledger D / B 1400 on the financial system associated with the money transfer information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1225 may include, among the information included in the fund transfer application information, the branch information (branch company information, member information, etc.) of the ledger on the financial system associated with the fund transfer information registration system. It is preferable to include a check that matches the customer ledger stored in the B (1400).

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D Check whether it matches the ledger stored in / B (1400), or whether it matches the ledger stored in the ledger D / B (1400) of the other financial institution financial system in conjunction with the financial system provided in another financial institution It is preferable to comprise.

In addition, the validity check of the branch account information included in the funds transfer application information, the branch account information included in the funds transfer information is stored in the ledger D / B (1400) on the financial system linked to the transfer information registration system It is desirable to include checking that it matches the ledger.

In addition, the verification of the validity of the transfer funds information included in the transfer information application for approval is shown in Fig. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the transfer information registration system Result It is desirable to check whether the information is matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the SWIFT full text provided from the registration information system. .

In addition, the validity confirmation of the money transfer approval information is obtained from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B 1400 on the financial system associated with the fund transfer information registration system. It is preferable to include whether the matching information including the at least one head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the provided SWIFT text.

If the validity of the money transfer application information is not authenticated (1845), the server generates predetermined information registration error information and transmits it to the terminal (1850), and performs an information registration procedure corresponding to the money transfer application information. Do not perform.

On the other hand, if the validity of the money transfer application information is authenticated (1845), the server generates a predetermined money transfer application electronic document including the image content (1855).

According to an embodiment of the present invention, the server corresponds to the fund transfer approval requested by the domestic branch as it is an image file including the image content received from the information registration terminal 1280 through the image receiving unit 1220. It is advisable to process the funds transfer application electronic documents for the transfer of funds for foreign head office approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. For fund transfer of foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office for an image file corresponding to an image content including at least one or more information of the money transfer approval information in a watermarking manner It is desirable to create a transfer request electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1280 through the image receiving unit 1220. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT) to respond to the transfer of funds requested by the domestic branch office. It is advisable to create a fund transfer application electronic document for the transfer of funds for foreign head office approval result information.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. Generating an image content including at least one or more information of money transfer approval information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or A foreign head office corresponding to the approval of the transfer of funds requested by the domestic branch office by generating 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 desirable to generate a fund transfer application electronic document for the transfer of the approval result information.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 1280 through the image receiving unit 1220 and the money transfer application information received through the information receiving unit 1215. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a fund transfer application electronic document for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch.

Alternatively, the server may include branch information and money transfer information included in the money transfer application information received through the information receiver 1215 on the image content received from the information registration terminal 1280 through the image receiver 1220. And generating an image content including at least one or more information of the money transfer approval information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content and the money transfer application information. A document format (EDI) file, an EDI file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is recommended to generate a fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the approval. desirable.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a fund transfer application electronic document in an image file format and / or a predetermined document file format, and correspond to the fund transfer application electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated funds transfer application electronic document in a predetermined electronic document storage (1860).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1250 and an electronic document D / B 1270 associated with a server on the fund transfer information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated funds transfer application electronic document to the electronic document server 1250 via the communication means to store in the electronic document D / B (1270). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the server stores the generated electronic money transfer request electronic document on a DBMS provided in the fund transfer information registration system. It is possible to store in the electronic document D / B 1270 corresponding to the above, thereby the present invention is not limited.

According to the implementation method of the present invention, storing the funds transfer application electronic document in the electronic document storage, the electronic funds shown in FIG. Preferably, the document D / B 1270 is stored.

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

The electronic document management information may further include information on a financial institution that transmitted the funds transfer request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a money transfer application corresponding to the image content, and / or financial institution information for transmitting the money transfer application electronic document, and / or Electronic document file format information, and / or the money transfer application information).

If the electronic funds transfer application electronic document is stored in the electronic document storage unit (1865), the server processes the branch information, fund transfer information, and money transfer approval information included in the funds transfer application information in a predetermined storage medium. Information stored in the electronic storage 1405, information stored in the electronic storage 1405, and / or the application for transferring the funds to the storage medium 1405. Generating (or extracting) the information stored therein and transmitting the same to the terminal (1875).

According to an embodiment of the present invention, the storage medium 1405 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). When the storage medium 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1400, thereby the invention This is not limited.

According to another embodiment of the present invention, the storage medium 1405 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

19 is a diagram illustrating a non-face-to-face fund transfer information registration system for transferring funds to foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to another embodiment of the present invention.

More specifically, FIG. 19 shows a branch information and a fund transfer for a fund transfer for a foreign head office approval result information corresponding to a fund transfer approval requested by the domestic branch office to a fund transfer information registration system through a predetermined information registration interface. When providing the money transfer application information including at least one of information, money transfer approval information, the money transfer application electronic document is generated in the money transfer information registration system and generates a predetermined money transfer request electronic document including the provided money transfer application information. It is a system configuration for storing in a storage medium 1940 stored in the storage, the branch information, funds transfer information, funds transfer approval information included in the funds transfer application information in a predetermined storage medium, specifically, the electronic document The depository registers the fund transfer information registration system through a predetermined communication means. It relates to an implementation method provided on an external system associated with the system.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 19 to transfer funds to the foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch. Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modifying the drawing 19, if the head office in the domestic and overseas branch offices request or branch office from the head office, It may further include the method of implementation approved by the branch, but will be omitted for convenience.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the fund transfer information registration system. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 19, the fund transfer application electronic document is described as being generated on the server side on the fund transfer information registration system, but the present invention is not limited thereto. The money transfer request electronic document may be generated on the terminal side that inputs (or selects) the money transfer application information (for example, the electronic document generation function provided on the server side is provided on the terminal side to apply for the money transfer application). Generate an electronic document), by which the present invention is not limited.

Hereinafter, the funds transfer application information is received from the customer through a predetermined information registration interface on the funds transfer information registration system shown in FIG. 19, and a predetermined funds transfer application electronic document is generated and stored in a predetermined electronic document repository. At least one means and / or a function corresponding to a functional configuration for storing the money transfer application information in a predetermined storage medium 1940 is referred to as "information registration server 1900" for convenience.

Referring to this figure 19 according to the implementation method of the present invention, the funds transfer information registration system for the transfer of funds to the foreign headquarters approval result information corresponding to the funds transfer approval requested by the domestic branch, the wired terminal and / or used by the customer And an information registration terminal 1970 including at least one client terminal including at least one wireless terminal, etc., wherein the information registration terminal 1970 transfers the funds through a predetermined network means. The communication channel is connected to the information registration server 1900 provided on the information registration system.

According to one embodiment of the present invention, the customer accesses the information registration server 1900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the information transfer server 1900 inputs (or selects) the money transfer application information for the transfer of funds for foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch office, through at least one user interface provided by the domestic branch office, Preferably, the client terminal transmits the information to the information registration server 1900 provided on the funds transfer information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x device. It comprises a wireless LAN terminal that are linked to at least one WLAN is preferred.

In addition, the information registration server 1900 connected to the client terminal may be any one of an Internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 1900 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based according to the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or the IEEE 802.11x based wireless LAN, and / or include all kinds of wireless communication networks proposed in the future, including a predetermined wireless section.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1900, and inputs and / or selects at least one or more information through the user interface to the information registration server 1900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 1900, etc.) is provided.

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

In the money transfer information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired line connecting the client terminal and the information registration server 1900. The communication network and / or the wireless communication network perform a function of an information registration interface for registering the money transfer application information for the transfer of funds for foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch.

According to another exemplary embodiment of the present invention, the information registration terminal 1970 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. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the money transfer information registration system as described above, when the information registration terminal 1970 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information The financial network connecting the registration server 1900 performs a function of an information registration interface for registering the money transfer application information for the transfer of funds to the foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch. And / or If the information registration terminal 1970 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 1900. Wired telephone network and / or wireless telephone network shall be used for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch. Performing a function of an information registration interface for registering the money transfer application information, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 1970; In this case, the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 1900 is the transfer of funds requested by the customer in the domestic branch It functions as an information registration interface for registering funds transfer application information in order to transfer funds for foreign head office approval result information corresponding to the approval.

The storage medium 1940 provided on the money transfer information registration system according to the present invention includes the branch information, money transfer information, and money transfer approval information included in the money transfer application information provided from the information registration terminal 1970. It is characterized by storing in a predetermined storage medium 1940 by the cooperative processing.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. The information provided from the financial system linked with the information registration server 1900 may be used to transfer the funds transfer approval information included in the SWIFT full text provided through a predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

According to an embodiment of the present invention, the storage medium 1940 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). When the storage medium 1940 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1940 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 1900 provided on the money transfer information registration system according to the present invention is a generic term for the components of the money transfer information registration system side connected to the information registration terminal 1970 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1900. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or external to the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1900 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1900 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the information registration terminal 1970 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1900 A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 1900 is provided with an interface unit 1905 for connecting and managing a predetermined communication channel with the information registration terminal 1970 through the network means. It features.

According to an embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1905 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 connects a communication channel with the client terminal based on the TCP / IP protocol. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1900, the interface unit 1905 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a financial automation device connected to a predetermined financial network, the interface unit 1905 may be configured 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 an automation 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 embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1900, the interface unit 1905 may be connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1905 may include the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1905 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 19, when the predetermined information registration terminal 1970 connects a predetermined communication channel with the information registration server 1900 through the interface unit 1905, the information registration server 1900 may be connected to the domestic registration information. In order to transfer funds for the foreign head office approval result information corresponding to the fund transfer approval requested by the branch office, the information registration terminal 1970 inputs (or selects) predetermined fund transfer application information and transmits it to the information registration server 1900. An interface providing unit 1910 which generates (or extracts) at least one user interface and provides the generated (or extracted) user interface to the information registration terminal 1970 in association with the interface unit 1905. When the information registration terminal 1970 inputs (or selects) and transmits the funds transfer application information through the user interface, the interface unit 1905. It is characterized in that it comprises an information receiving unit 1915 for receiving the funds transfer application information transmitted from the information registration terminal (1970) in association with.

The interface providing unit 1910 connects a predetermined communication channel with the information registration server 1900 through the interface unit 1905 and then connects the predetermined information to the information registration server 1900. When requesting a user interface for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office, the information registration terminal 1970 inputs (or selects) predetermined fund transfer application information to the network means. Create at least one user interface to be transmitted to the information registration server 1900 through, or / or extracted from a predetermined database (not shown), and generates (or extracted) in conjunction with the interface unit 1905 Characterized in that the user interface is provided to the information registration terminal (1970) via the network means.

According to an embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1905.

According to another embodiment of the present invention, when the information registration terminal 1970 is a financial automation device connected to a predetermined financial network, the interface providing unit 1910 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1905.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may include a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a program and / or a communication program, and to provide the client terminal with the generated (or extracted) user interface through the interface unit 1905.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1910 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1905 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1970 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1910 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 1905. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined funds transfer application information to the information registration terminal 1970 and transmitting the information to the information registration server 1900 through the network means. In the case where a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined money transfer application information and transmitting it to the information registration server 1900 is generated (or extracted) as described above. The interface providing unit 1910 provided to the information registration terminal 1970 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1970 inputs (or selects) the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the user interface, and the input (or the selection). The money transfer application information is transmitted to the information registration server 1900 through the network means. In response, the information receiving unit 1915 is connected to the interface unit 1905 from the information registration terminal 1970. Characterized in that the received funds transfer application information transmitted.

According to the exemplary embodiment of the present invention, the information registration terminal 1970 transfers the funds from the information registration server 1900 to the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming the validity of the application information through the network means It is preferable to transmit to the information registration server 1900.

According to an embodiment of the present invention, the information registration terminal 1970 includes at least one encryption method (for example, a symmetric key based on funds transfer application information including at least one of the branch information, money transfer information, and money transfer approval information). Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the transfer request information. It is preferable to transmit to the information registration server 1900 through the network means, for this purpose, the information registration terminal 1970 has at least one encryption key corresponding to the encryption scheme, and / or at least one A predetermined certificate including the above encryption key is provided, and / or the certificate is a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the money transfer application information and the technical features of attaching a predetermined electronic signature to the money transfer application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 19, when the information transfer server 1900 receives the money transfer application information transmitted from the information registration terminal 1970 through the information receiving unit 1915, the received money transfer application information is displayed. It is characterized in that it comprises a validity verification unit 1920 to determine whether the validity for the transfer of funds to the foreign headquarters approval result information corresponding to the approval of the transfer of funds requested by the domestic branch.

According to an embodiment of the present invention, the money transfer application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity checking unit 1920 may determine the encrypted money transfer application information at least one or more decryption methods (eg, symmetric key-based decryption methods, and / or corresponding to the encryption method). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received money transfer application information.

Alternatively, when a predetermined electronic signature is attached to the money transfer application information, the validity verification unit 1920 verifies the validity of the received money transfer application information by checking the electronic signature attached to the money transfer application information. It is desirable to authenticate.

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

According to an embodiment of the present invention, when the funds transfer application information received through the information receiving unit 1915 further includes a predetermined password for checking the validity of the funds transfer application information, the validity confirming unit 1920 ) Compares and authenticates the password included in the fund transfer application information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received fund transfer application information.

Alternatively, when the funds transfer application information received through the information receiving unit 1915 further includes predetermined security card information for confirming the validity of the funds transfer application information, the validity confirming unit 1920 may determine the validity. It is preferable to authenticate the validity of the received money transfer application information by comparing and authenticating the received security card information included in the money transfer application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the funds transfer application information received through the information receiving unit 1915 further includes a predetermined OTP code for checking the validity of the funds transfer application information, the validity confirming unit 1920 may determine the funds. By comparing and authenticating the received OTP code included in the transfer application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received money transfer application information is verified. It is desirable to authenticate.

According to the method of the present invention, the validity of the money transfer application information is registered at least one or more ledger information matching the money transfer application information in the ledger D / B on the financial system associated with the money transfer information registration system It is preferable to include checking whether it is done.

For example, the validity verification unit 1920 is the information contained in the funds transfer application information, the branch information (branch company information, or member information, etc.) is ledger on the financial system associated with the fund transfer information registration system D / It is desirable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D It is preferable to include checking whether it matches with the account ledger stored in / B, or matching with the account ledger stored in the ledger D / B on another financial institution financial system in conjunction with the financial system provided to other financial institutions .

In addition, the validity of the branch account information included in the funds transfer application information may include the account ledger stored in the ledger D / B on the financial system linked to the fund transfer information registration system. It is desirable to include checking that a match is made.

In addition, the verification of the validity of the transfer funds information included in the funds transfer application information is registered in the approval result information shown in Fig. 1 or 6 stored in the ledger D / B on the financial system associated with the transfer information registration system It is preferable to check whether the information is matched with the approval result information including at least one of headquarters information, fund transfer approval information, transfer funds information, domestic branch information, and branch trading financial institution information provided from the system.

In addition, the SWIFT full text provided from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B on the financial system linked to the fund transfer information registration system may be used to confirm the validity of the money transfer approval information. It is preferable to include whether to match with the approval result information including at least one head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the.

Referring to FIG. 19, if the information registration server 1900 validates the money transfer application information through the validity confirming unit 1920, a predetermined money transfer request including the received money transfer application information is provided. An electronic document generation unit 1925 for generating an electronic document, and an electronic document transmission unit 1930 for transmitting the generated funds transfer application electronic document to an electronic document repository associated with the fund transfer information registration system. It features.

The electronic document generation unit 1925 generates a funds transfer request electronic document including the funds transfer application information received from the information registration terminal 1970 through the information receiving unit 1915.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1925 may include at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including MHT) may be processed as a fund transfer application electronic document for transfer of funds to foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office.

Alternatively, the electronic document generation unit 1925 generates document content including at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. The document content may include at least one or more of branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information in a watermarking manner, and then include the document content including the watermarking. A 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 HWP / DOC, or a web document file including an MHT). Fund transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office. Lee it is preferable to.

Alternatively, the electronic document generation unit 1925 generates document content including at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. And the foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office for an image file including the image content capturing the document content (eg, the image content generated by capturing the document content in memory). It is advisable to process the electronic funds transfer application for funds transfer.

Alternatively, the electronic document generation unit 1925 generates document content including at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. At least one of branch information, money transfer information, and money transfer approval information included in the money transfer application information in the image content captured by the document content (eg, the image content generated by capturing the document content in memory); Funds for the transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office after including one or more information in a watermarking manner, and the image file including the image contents including the watermarking. It is advisable to process electronic transfer applications.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1925 includes at least one of branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format transfer file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process the funds transfer application electronic document for the transfer of funds to the foreign headquarters approval result information corresponding to.

Alternatively, the electronic document generation unit 1925 generates document content including at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. At least one of branch information, money transfer information, and money transfer approval information included in the money transfer application information in the image content captured by the document content (eg, the image content generated by capturing the document content in memory); Create image content including one or more pieces of information by watermarking, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarked image content. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT) By creating, it is desirable to treat a foreign head office approved the results Funding Application for Electronic Document funding yicheeul for information corresponding to the requested transfer of funds approved by the national office.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1925 may include at least branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. A predetermined document file including document content including at least one document content, and image content (eg, image content generated by capturing the document content in memory) and the money transfer request information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Fund transfer application electronic document for the transfer of funds to foreign headquarters approval result information corresponding to the transfer transfer request requested by the domestic branch office. It is preferable to.

Alternatively, the electronic document generation unit 1925 generates document content including at least one branch information, money transfer information, and money transfer approval information included in the money transfer application information received through the information receiving unit 1915. Among the branch information, the funds transfer information, and the funds transfer approval information included in the funds transfer application information in the image contents (for example, image contents generated by capturing the document contents in the memory) which captured the document contents, Generating an image content including at least one or more information by a watermarking method, a document file (eg, a Portable Document Format (PDF) file) including the watermarking image content and the money transfer request information; Or an EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By creating a web page file, etc.), including, it is desirable to treat a funds transfer application for electronic document approved funding for the foreign headquarters yicheeul result information corresponding to the requested transfer of funds approved by the national office.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 1925 generates a transfer application request electronic document of the image file format and / or a predetermined document file format, and the funds You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the transfer request electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1930 transmits and stores the funds transfer request electronic document generated by the electronic document generating unit 1925 to a predetermined electronic document storage store linked to the fund transfer information registration system. do.

As shown in FIG. 19, the electronic document repository is connected to an information registration server 1900 on the fund transfer information registration system through a predetermined communication means, and a predetermined electronic document server 1945 and an electronic document D / B ( 1965, the electronic document transmission unit 1930 is the electronic document server 1945 via the communication means for the electronic document transfer request electronic document generated by the electronic document generation unit 1925 It is characterized in that for transmitting.

Here, when the electronic document server 1945 and the electronic document D / B 1965 are provided outside the fund transfer information registration system, the electronic document server 1945 and the electronic document D / B 1965 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the electronic document transmitting unit 1930 is generated by the electronic document generating unit 1925. The funds transfer application electronic document may be stored in the electronic document D / B 1965 corresponding to the electronic document storage on the DBMS provided in the fund transfer information registration system, and thus the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 1930 inputs electronic document related information (eg, the money transfer request information) for generating predetermined electronic document management information in the electronic document server 1945. (Optional) customer information transmitted and / or financial institution information transmitting the funds transfer application electronic document, and / or electronic document file format information, and / or the money transfer application information, etc.) It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 19, the information registration server 1900 is a foreign country corresponding to the money transfer request requested by the domestic branch via the validity check unit 1920, the money transfer application information received through the information receiving unit 1915. When the validity for the transfer of funds to the head office approval result information is authenticated, the branch information, the fund transfer information, and the fund transfer approval information included in the validated funds transfer application information are linked to a predetermined storage medium 1940. It is characterized by comprising an information storage unit 1935 for storing.

When the validity confirmation unit 1920 confirms the validity of the money transfer application information, the information storage unit 1935 links branch information, money transfer information, and money transfer approval information included in the money transfer application information. Characterized in that the processing is stored in the storage medium 1940, the storage medium 1940 is provided in the information registration server 1900, or provided in the network associated with the information registration server 1900 The information storage unit 1935 may process the branch information, the money transfer information, and the money transfer approval information included in the received money transfer application information in the storage medium 1940 and store the same in the storage medium 1940. When the 1940 is provided in the DBMS provided on the financial system, the information storage unit 1935 may include branch information, fund transfer information, and fund transfer approval information included in the received money transfer application information. The information provided to step through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 19, an electronic document for receiving a predetermined funds transfer application electronic document from the information registration server 1900 provided on the funds transfer information registration system and storing and managing the electronic document D / B 1965 in a predetermined electronic document D / B 1965. The document server 1945 may include an electronic document receiving unit 1950 for receiving a predetermined funds transfer request electronic document from the information registration server 1900 through a predetermined communication means, and the received funds transfer application electronic document. An information generation unit 1955 for generating predetermined electronic document management information for storing and managing in the document D / B 1965, and the electronic document management information and the funds transfer application electronic document by interworking with a predetermined electronic document; And an electronic document storage unit 1960 for storing in the D / B 1965.

The electronic document receiving unit 1950 may receive an electronic document transfer request electronic document in the form of an image file and / or a document file from the information registration server 1900 through the communication means.

According to one embodiment of the present invention, the funds transfer application electronic document received by the electronic document receiving unit 1950 through the communication means is the money transfer received by the information registration server 1900 from the information registration terminal 1970 A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or document file) containing document content including at least one or more branch information, fund transfer information, and fund transfer approval information included in the application information; or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1950 through the communication means is branch information included in the money transfer application information received by the information registration server 1900 from the information registration terminal 1970. Watermarking information on at least one of the branch information, the funds transfer information, and the funds transfer approval information included in the funds transfer application information in document content including at least one of money transfer information and money transfer approval information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1950 through the communication means is branch information included in the money transfer application information received by the information registration server 1900 from the information registration terminal 1970. And an image file including image content (eg, image content generated by capturing the document content in memory) which captures document content including at least one of money transfer information and money transfer approval information. It is preferable.

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1950 through the communication means is branch information included in the money transfer application information received by the information registration server 1900 from the information registration terminal 1970. And image content (e.g., image content generated by capturing the document content in memory) captured in document content including at least one of money transfer information and money transfer approval information. After including at least one or more of the branch information, the money transfer information, the money transfer approval information by a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the funds transfer application electronic document received by the electronic document receiving unit 1950 through the communication means is the funds received by the information registration server 1900 from the information registration terminal 1970 Image content (e.g., image content generated by capturing the document content in the memory) which captures document content including at least one of branch information, money transfer information, and money transfer approval information included in the transfer application information. 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 comprise).

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1950 through the communication means is branch information included in the money transfer application information received by the information registration server 1900 from the information registration terminal 1970. And image content (e.g., image content generated by capturing the document content in memory) captured in document content including at least one of money transfer information and money transfer approval information. Create a document content including at least one or more of the branch information, fund transfer information, fund transfer approval information in a watermarking method, and includes a document file (eg, PDF ( At least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. It is preferred which comprises a de-processor file, or web page file, and so on) containing the MHT.

According to another embodiment of the present invention, the funds transfer application electronic document received by the electronic document receiving unit 1950 through the communication means is received by the information registration server 1900 from the information registration terminal 1970 Image content captured (eg, image content generated by capturing the document content in memory) including document information including at least one of branch information, money transfer information, and money transfer approval information included in the money transfer application information. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the funds transfer application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the funds transfer request electronic document received by the electronic document receiving unit 1950 through the communication means is branch information included in the money transfer application information received by the information registration server 1900 from the information registration terminal 1970. And image content (e.g., image content generated by capturing the document content in memory) captured in document content including at least one of money transfer information and money transfer approval information. A document that generates image content including at least one or more of branch information, money transfer information, and money transfer approval information by watermarking, and includes the watermarking image content and the money transfer application information. Files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC). And at least one word processor file or at least one web document file including the MHT.

The information generating unit 1955 is a predetermined electronic document unique number (or unique information) to be assigned to the funds transfer application electronic document received through the electronic document receiving unit 1950, and through the electronic document receiving unit 1950 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the funds transfer application electronic document was stored).

According to the exemplary embodiment of the present invention, the information generation unit 1955 refers to the information registration server 1900 which has transmitted the funds transfer request electronic document received through the electronic document receiving unit 1950 and requests the money transfer. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1900 through the electronic document receiving unit 1950, the information generating unit 1955 may receive the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the money transfer application information, and / or financial institution information transmitting the money transfer application electronic document, and / or electronic document file format information, and / Or electronic document management information further including the money transfer application information).

The electronic document storage unit 1960 processes an electronic document management information generated by the information transfer unit 1955 and the funds transfer request electronic document received through the electronic document receiving unit 1950 in association with a predetermined electronic document D. / B (1965).

According to an embodiment of the present invention, the money transfer request electronic document stored in the electronic document storage unit 1960 in the electronic document D / B 1965 is the information registration server 1900 the information registration terminal (1970) A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one or more branch information, fund transfer information, and money transfer approval information included in the money transfer application information received from Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, a fund transfer request electronic document stored in the electronic document D / B 1965 by the electronic document storage unit 1960 is a fund transfer request received by the information registration server 1900 from the information registration terminal 1970. Water at least one or more of the branch information, the money transfer information, and the money transfer approval information included in the fund transfer application information in document content including at least one branch information, money transfer information, and money transfer approval information included in the information. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking after being included in a watermarking method. Or a web document file including the MHT).

Alternatively, a fund transfer request electronic document stored in the electronic document D / B 1965 by the electronic document storage unit 1960 is a fund transfer request received by the information registration server 1900 from the information registration terminal 1970. Image content captured (e.g., image content generated by capturing document content in memory) including document information including at least one or more branch information, money transfer information, and money transfer approval information included in the information. It is preferable to include an image file.

Alternatively, a fund transfer request electronic document stored in the electronic document D / B 1965 by the electronic document storage unit 1960 is a fund transfer request received by the information registration server 1900 from the information registration terminal 1970. The image content (e.g., image content generated by capturing the document content in memory) is captured in the document content including at least one or more branch information, money transfer information, and money transfer approval information included in the information. After including at least one or more of the branch information, funds transfer information, funds transfer approval information included in the funds transfer application information in a watermarking method, including an image file including the image content including the watermarking; It is preferable to make.

According to another embodiment of the present invention, the funds transfer application electronic document stored in the electronic document storage unit 1960 in the electronic document D / B (1965) is the information registration server (1900) the information registration terminal ( Image content (eg, the document content is captured in memory) which captures document content including at least one or more branch information, money transfer information, and money transfer approval information included in the money transfer application information received from 1970). A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, a fund transfer request electronic document stored in the electronic document D / B 1965 by the electronic document storage unit 1960 is a fund transfer request received by the information registration server 1900 from the information registration terminal 1970. The image content (e.g., image content generated by capturing the document content in memory) is captured in the document content including at least one or more branch information, money transfer information, and money transfer approval information included in the information. Generating image content including at least one or more of branch information, fund transfer information, and fund transfer approval information included in the money transfer application information by a watermarking method, and including the image content including the watermarking; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

According to another embodiment of the present invention, the money transfer request electronic document stored in the electronic document storage unit 1960 in the electronic document D / B (1965) is the information registration server 1900 the information registration terminal Image content (eg, capturing the document content in memory) that captures document content including at least one or more branch information, money transfer information, and money transfer approval information included in the money transfer application information received from the 1970. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content generated by Word processor files, or web document files containing MHT).

Alternatively, a fund transfer request electronic document stored in the electronic document D / B 1965 by the electronic document storage unit 1960 is a fund transfer request received by the information registration server 1900 from the information registration terminal 1970. The funds in the image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one branch information, money transfer information, and money transfer approval information included in the information. Generate image content including at least one or more of branch information, fund transfer information, and fund transfer approval information included in the transfer application information by a watermarking method, and the image content including the watermarking and the transfer of funds. Document file containing the application information (for example, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) It comprises a web page file, and so on) that include the word-processor file, or MHT comprising at least one are preferred.

According to an embodiment of the present invention, the electronic document management information that the electronic document storage unit 1960 processes in association with the electronic funds transfer request electronic document and stores in the electronic document D / B 1965 is the electronic funds transfer request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1965 by the electronic document storage unit 1960 in connection with the funds transfer request electronic document is applied to the funds transfer request. The information registration server 1900 that transmitted the electronic document is preferably made to further include the financial institution information that transmitted the funds transfer application electronic document confirmed.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 1900, the electronic document storage unit 1960 processes the connection with the funds transfer request electronic document and the The electronic document management information stored in the electronic document D / B 1965 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the funds transfer application information, and / or the funds transfer application). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the money transfer application information).

20 is a non-face-to-face ledger D / B (2000) provided in a DBMS on a financial system in order to transfer funds for foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch according to an embodiment of the present invention. It is a figure which shows the structure of the stored fund transfer application information.

More specifically, FIG. 20 illustrates the ledger information provided in the ledger D / B 2000 when the storage medium 1940 illustrated in FIG. 19 is a ledger D / B 2000 provided in a DBMS on a financial system. As an information structure for an embodiment of the method for storing the money transfer application information including the branch information, the money transfer information, and the money transfer approval information, the person having ordinary knowledge in the technical field to which the present invention belongs, 20 may be deduced by referring to and / or modifying the drawing 20, and various information construction methods for storing the money transfer application information in the ledger D / B 2000, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG. 20 only.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2000 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 2000 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

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 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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number corresponding to the ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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. 20, the fund transfer application information provided through the fund transfer information registration system shown in FIG. 19 is stored in the form of additional information added to the account ledger, and the fund transfer application information is branch information. It includes, at least one or more funds transfer information, fund transfer approval information.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the domestic branch office requests for money transfer. The information provided from the financial system linked with the information registration server 1900 may be used to transfer the funds transfer approval information included in the SWIFT full text provided through a predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

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

Figure 21 is a ledger D / B (2100) provided in the DBMS on the financial system in a non-face-to-face for the transfer of funds for foreign head office approval result information corresponding to the funds transfer approval requested by the domestic branch according to another embodiment of the present invention Figure is a diagram showing the configuration of the application information transfer funds stored in the database associated with.

More specifically, FIG. 21 is an information structure for an embodiment in which the storage medium 1940 shown in FIG. 19 is stored in a predetermined database processed in association with the ledger D / B 2100 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 21 to link the money transfer application information to the ledger D / B 2100 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. 21, when it is not easy to store the money transfer application information in the ledger information of the ledger D / B 2100 on the DBMS provided on the financial system (for example, the director of the DBMS in accordance with the policy of a financial institution). If it is not easy to change the D / B 2100 or the system is not easy to expand due to the characteristics of the financial system), the information on the transfer of funds is stored in a predetermined database instead of the ledger D / B 2100. FIG. 4 illustrates an implementation method of linking and storing the database and the ledger D / B 2100.

In addition, the database shown in FIG. 21 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 21, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 21, the database stores and stores branch office information, money transfer information, and money transfer approval information included in the money transfer application information, and the money transfer application information is stored in the ledger D / B. In order to be processed in connection with 2100, it is preferable that the fund transfer application information further includes a CIF number corresponding to the ledger information.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the domestic branch office requests for money transfer. The information provided from the financial system linked with the information registration server 1900 may be used to transfer the funds transfer approval information included in the SWIFT full text provided through a predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferred to include without further modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a company branch, a business registration number, a branch address, a branch telephone number, a branch office e-mail address, etc.) of the branch office, and the branch office. At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

22 is a money transfer stored in a DBMS provided in the banking server 2200 in a non-face-to-face manner to transfer funds for foreign head office approval result information corresponding to the money transfer approval requested by a domestic branch according to another embodiment of the present invention. It is a figure which shows the structure of application information.

More specifically, in Figure 22, a predetermined banking is provided in which the storage medium 1940 shown in Figure 19 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 2200, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It will be possible to infer a method of configuring information on the application for the transfer of funds stored in a predetermined DBMS provided in 2200, but the present invention includes all the implementation methods inferred above, and only the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 22, a predetermined DBMS provided in the banking server 2200 may store and store branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information.

The money transfer information may include transfer funds information for transferring a predetermined amount of money from the corporate branch office, target account information corresponding to a target account to be transferred, and branch account information for an account where funds for transfer from the corporate branch are deposited. It is preferable to comprise at least one or more.

The money transfer approval information may include at least one or more of approval information for approval of money transfer at a foreign head office, employee information of the company headquarters that processed the approval, and the like when the transfer request is made from the domestic branch office. Information received from the financial system associated with the information registration server 1900 for the money transfer approval information included in the SWIFT full text provided through a predetermined SWIFT network through the approval result information registration system shown in FIG. It is preferable to include without any modification.

The branch information may include branch company information (eg, name of a company, a separate branch code assigned to a corporate branch, a business registration number, a branch address, a branch telephone number, a branch mail address, etc.) of the branch, At least one or more member information (e.g., member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger corresponding to the customer by subscribing to the financial transaction customer of the financial institution from the branch of the company) It is preferable to comprise.

23A and 23B illustrate a process of registering application information for transfer of funds in a non-face-to-face manner in order to transfer funds to foreign head office approval result information corresponding to the transfer of funds requested by a domestic branch according to an embodiment of the present invention. to be.

In more detail, FIGS. 23A and 23B show that the information registration terminal 1970 on the funds transfer information registration system shown in FIG. 19 is a client terminal, and the information registration server 1900 is connected to a client terminal through a predetermined network means. In the case of having an accessible web server function, branch information, fund transfer information, and funds through the client terminal for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office by a predetermined customer. When the fund transfer application information including at least one transfer approval information is provided, the fund transfer information registration system generates a predetermined money transfer request electronic document including the provided money transfer application information and stores it in a predetermined electronic document repository. And the branch information included in the fund transfer application information and fund transfer The present invention relates to an implementation method of linking information and fund transfer approval information to a predetermined storage medium 1940. Those skilled in the art may refer to the drawings 23a and 23b. And / or may be modified to infer various implementation methods for registering the funds transfer application information from the client terminal to the information registration server 1900, but the present invention includes all the inferred implementation methods, and this figure 23a And the implementation method shown in Fig. 23B.

For example, in the implementation method illustrated in FIGS. 23A and 23B, the client terminal inputs (or selects) the funds transfer application information through a predetermined web page provided by the information registration server 1900. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 1900, and the present invention is not limited thereto.

Hereinafter, in FIG. 23A and FIG. 23B, the client terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the information registration server 1900 shown in FIG. 19 is called "server" for convenience, and in the client terminal The branch information, money transfer information, and money transfer approval information transmitted to the information registration server 1900 are referred to as "money transfer application information" for convenience.

Referring to FIGS. 23A and 23B, when the client terminal illustrated in FIG. 19 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the domestic When requesting a web page including a user interface for the transfer of funds to foreign head office approval result information corresponding to the fund transfer approval requested by the branch office (2300), the server correspondingly the branch information, money transfer information, fund transfer approval User interface for inputting (or selecting) funds transfer application information including at least one information and transmitting the same to the server Generate a web page that contains (or extract), and 2305, and outputs to send the web page containing the created user interface (or extraction) via the network means to the terminal unit 2310.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the money transfer application information registration procedure, whereby the present invention is not limited thereto. No.

Subsequently, the terminal inputs (or selects) 2153 the funds transfer application information including at least one or more branch information, money transfer information, and money transfer approval information through a user interface included in the web page.

If the terminal receives (or selects) the money transfer application information including the branch information, the money transfer information, and the money transfer approval information through the user interface (2320), the terminal receives the input through the communication channel ( Alternatively, the selected branch information, money transfer information, and money transfer approval information are transmitted to the server (2325).

According to an embodiment of the present invention, the terminal is predetermined for confirming the validity of the money transfer application information in the server to the money transfer application information including at least one of the branch information, money transfer information, money transfer approval information. It is preferable to further include at least one or more of the password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for transmitting money transfer information including at least one of the branch information, the money transfer information, and the money transfer approval information. The network means by encrypting with a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or by attaching a predetermined electronic signature to the money transfer application information. It is preferable to transmit to the server through, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, And / or the IC chip (or IC car) when the official certificate is provided on a predetermined IC chip (or IC card). ) To be provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) and / or fund transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information. Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to the scheme, and / or having a predetermined public certificate including at least one or more encryption keys, and / or having the public certificate on a predetermined IC chip (or IC card). If it is, it is equipped with a card reader for checking the official certificate provided on the IC chip (or IC card) desirable.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the money transfer application information and the technical features of attaching a predetermined electronic signature to the money transfer application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the branch information, the money transfer information, and the money transfer approval information through the communication channel to check the validity of the money transfer application information (2330).

According to an embodiment of the present invention, the money transfer application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted funds transfer application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received money transfer application information.

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

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

When the funds transfer application information received through the information receiving unit 1915 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the funds transfer application information, the server transfers the funds. It is preferable to verify the validity of the received money transfer application information by comparing and authenticating the password received included in the application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the money transfer application information received through the information receiving unit 1915 further includes predetermined security card information for confirming the validity of the money transfer application information, the server may be configured in the money transfer 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 money transfer application information.

Alternatively, when the funds transfer application information received through the information receiving unit 1915 further includes a predetermined OTP code for checking the validity of the funds transfer application information, the server is included in the funds transfer application information. It is preferable to authenticate the validity of the received money transfer application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to an embodiment of the present invention, the validation of the money transfer application information may include at least one ledger matching the money transfer application information to the ledger D / B 2100 on the financial system associated with the money transfer information registration system. It is preferable to include checking whether the information is registered.

For example, the validity verification unit 1920 is the information contained in the funds transfer application information, the branch information (branch company information, or member information, etc.) is ledger on the financial system associated with the fund transfer information registration system D / It is preferable to include a check that matches with the customer ledger stored in B (2100).

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D Check whether it matches the ledger stored in / B (2100), or if it matches the ledger stored in the ledger D / B (2100) on another financial institution financial system in connection with the financial system provided in another financial institution It is preferable to comprise.

In addition, the validity check of the branch account information included in the funds transfer application information, the branch account information included in the funds transfer information is stored in the ledger D / B (2100) on the financial system linked to the transfer information registration system It is desirable to include checking that it matches the ledger.

In addition, the verification of the validity of the transfer funds information included in the transfer application information is approved in Fig. 1 or 6 stored in the ledger D / B 2100 on the financial system associated with the transfer information registration system Result It is desirable to check whether the information is matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the SWIFT full text provided from the registration information system. .

In addition, the validity confirmation of the money transfer approval information is obtained from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B 2100 on the financial system associated with the fund transfer information registration system. It is preferable to include whether the matching information including the at least one head office information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the provided SWIFT text.

If the validity of the funds transfer application information is not authenticated (2335), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2340) and corresponds to the funds transfer application information. Do not perform the information registration procedure.

On the other hand, if the validity of the money transfer application information is authenticated (2335), the server generates predetermined document content including at least one or more branch information, money transfer information, and money transfer approval information including the money transfer application information. In operation 2345, a predetermined money transfer request electronic document including the document content is generated (2350).

According to one embodiment of the present invention, the server generates document content including at least one or more branch information, fund transfer information, fund transfer approval information included in the received money transfer application information, and includes the document content. 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 the like), or a web document file including an MHT). It is preferable to process the funds transfer application electronic document for the transfer of funds for foreign head office approval result information corresponding to the funds transfer approval requested by the domestic branch.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and the document content is included in the money transfer application information. After including at least one or more of branch information, money transfer information, and money transfer approval information in a watermarking manner, a document file (eg, a PDF (Portable Document Format) file) containing document content including the watermarking. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) It is advisable to process the electronic funds transfer application for transfer of funds for the resulting information.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, an image file including the document content captured in memory and generated) may be processed as a fund transfer application electronic document for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office. It is preferable.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, image content generated by capturing the document content in a memory) includes at least one or more of branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information in a watermarking manner. In addition, it is preferable to process an image file including the image content including the watermarking as a fund transfer application electronic document for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office.

According to another exemplary embodiment of the present invention, the server generates document content including at least one branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and the document content is generated. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), to transfer funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office. It is advisable to process the funds transfer electronic documents.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, image content generated by capturing the document content in a memory) includes at least one or more of branch information, money transfer information, and money transfer approval information included in the money transfer application information in a watermarking manner. Generating image content, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking A word processor file, or a web document file containing MHT) It is advisable to process the funds transfer application electronic document for the transfer of funds to foreign head office approval result information corresponding to one transfer.

According to another embodiment of the present invention, the server generates document content including at least one or more branch information, funds transfer information, funds transfer approval information included in the received money transfer application information, the document content A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) including captured image content (e.g., image content generated by capturing the document content in memory) and the funds transfer application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to approve a foreign head office corresponding to the transfer of funds requested by the domestic branch office. It is advisable to process the electronic funds transfer application for transfer of funds for the resulting information.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, image content generated by capturing the document content in a memory) includes at least one or more of branch information, money transfer information, and money transfer approval information included in the money transfer application information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content and includes the watermarking-containing image content and the funds transfer application information. Generating a word processor file including at least one, or a web document file including an MHT) It is preferable to handle the domestic branch offices to apply for funds transfer electronic documents for funding approval on foreign headquarters yicheeul result information corresponding to the requested transfer of funds approved.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a fund transfer application electronic document in an image file format and / or a predetermined document file format, and correspond to the fund transfer application electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated funds transfer application electronic document in a predetermined electronic document storage (2355).

As shown in FIG. 19, the electronic document repository includes a predetermined electronic document server 1945 and an electronic document D / B 1965 associated with a server on the fund transfer information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated funds transfer application electronic document to the electronic document server 1945 via the communication means to store in the electronic document D / B (1965).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the server stores the generated electronic money transfer request electronic document on a DBMS provided in the fund transfer information registration system. It is possible to store in the electronic document D / B (1965) corresponding to the present invention, thereby not limited.

According to the method of the present invention, storing the funds transfer application electronic document in the electronic document storage, the electronic funds shown in Figure 19 by processing the generated funds transfer application electronic document and predetermined electronic document management information Preferably, it includes storing in document D / B 1965.

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

The electronic document management information may further include information on a financial institution that transmitted the funds transfer request electronic document.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the funds transfer application information, and / or financial institution information transmitting the funds transfer application electronic document), and And / or the electronic document file format information, and / or the funds transfer application information).

If the funds transfer application electronic document is stored in the electronic document storage (2360), the server stores the predetermined information by linking the branch information, funds transfer information, funds transfer approval information included in the funds transfer application information Store in the medium 2105 (2365), a predetermined information registration history information (e.g., the history of storing the funds transfer application electronic document in the electronic document storage, and / or the transfer of funds to the storage medium 2105) The information storing the information) is generated (or extracted) and transmitted to the terminal (2370).

According to an embodiment of the present invention, the storage medium 2105 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). The storage medium 2105 may be a ledger D / B 2100 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2100, thereby providing the present invention. This is not limited.

According to another embodiment of the present invention, the storage medium 2105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Figures 24a, 24b and 24c register the application for the transfer of funds through a non-face-to-face financial transaction channel for the transfer of funds to foreign head office approval result information corresponding to the fund transfer approval requested by a domestic branch according to one embodiment of the present invention. A diagram illustrating a process of doing so.

More specifically, FIGS. 24A, 24B, and 24C illustrate the case where the money transfer information registration system shown in FIG. 19 is realized through an Internet banking system among non-face-to-face financial transaction channels (ie, the money transfer shown in FIG. 19). In the case where the information registration server 1900 on the information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer authentication procedure. After performing the step, if the client terminal transmits the predetermined money transfer application information for money transfer to the foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch office to the Internet banking server, the Internet banking server transmits the information. Generate a predetermined electronic transfer request electronic document containing the received transfer information; The present invention relates to an implementation method of storing in a document storage and linking the branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information to a predetermined storage medium 2105. Those skilled in the art can infer various implementation methods for registering the transfer information application through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 24a, 24b and 24c. As will be appreciated, the present invention encompasses all of the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 24A, 24B and 24C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 24A, 24B, and 24C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering funds transfer application information between the client terminal and the internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 24a, 24b, and 24c. And internet banking standing Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration of funds transfer application information therebetween, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 24a, 24b and 24c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transaction channels for registration of funds transfer application information. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 24A, 24B and 24C.

In the following Figures 24A, 24B and 24C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 1900 is referred to as "server" for convenience.

24A, 24B, and 24C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2400a), the server connects the terminal and the server through the browser. (2405a), 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. It means that a predetermined communication session is allocated so that the provided browser program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another 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 a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2410a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information, etc. from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (2415a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2420a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2425a), or if the terminal does not need to install and / or update the Internet banking security module (2415a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2430a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided from the terminal to the server for registration of money transfer application information. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to be provided from the server to the terminal according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided from the terminal to the server for registration of money transfer application information. Attach a predetermined digital signature to information (or data) to be Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

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 (2435a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2440a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2445a).

If the Internet banking customer authentication fails (2450a), the server blocks the Internet banking security channel for the terminal (2455a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2450a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2460a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined fund transfer application information for transfer of funds for foreign head office approval result information corresponding to a fund transfer approval requested by a domestic branch from the terminal to the server. .

Subsequently, when the terminal requests a web page including a user interface for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch to the server through an internet banking-based financial transaction channel (2400b). In response, the server may include a web page including a user interface for inputting (or selecting) funds transfer application information including at least one of the branch information, money transfer information, and money transfer approval information to the server. It generates (or extracts) (2405b) and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (2410b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) funds transfer application information including at least one of branch information, money transfer information, and money transfer approval information in the terminal. Preferably, and / or in order to verify the validity of the Internet banking customer requesting to register the funds transfer application information, a predetermined password and / or security card information (e.g., a security card issued to the customer during the internet banking application process). Printed security card information) and / or one-time password (eg, an Internet banking application process (or after an internet banking application). Preferably a user interface for inputting a password).

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

Thereafter, the terminal inputs (or selects) the money transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information through the information registration interface (2415b).

If the terminal transfers (or selects) the funds transfer application information including the branch information, the money transfer information, and the money transfer approval information through the user interface (2420b), the terminal receives the input through the financial transaction channel. (Or selected) transfers the funds transfer application information to the server (2425b).

According to an embodiment of the present invention, the terminal is predetermined for confirming the validity of the money transfer application information in the server to the money transfer application information including at least one of the branch information, money transfer information, money transfer approval information. It is preferable to further include at least one or more of the password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) and / or fund transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information. Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or attach a predetermined electronic signature to the transfer request information. It is preferable to transmit to the server through, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or the IC chip (or IC car) when the authorized certificate is provided on a predetermined IC chip (or IC card) ) To be provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) and / or fund transfer application information including at least one of the branch information, the money transfer information, and the money transfer approval information. Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to the scheme, and / or having a predetermined public certificate including at least one or more encryption keys, and / or having the public certificate on a predetermined IC chip (or IC card). If it is, it is equipped with a card reader for checking the official certificate provided on the IC chip (or IC card) desirable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the money transfer application information, and technical features of attaching a predetermined electronic signature to the money transfer application information. Since it will be understood, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the money transfer application information through the financial transaction channel to check the validity of the money transfer application information (2430b).

According to an embodiment of the present invention, the money transfer application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted funds transfer application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received money transfer application information.

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

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

When the funds transfer application information received through the information receiving unit 1915 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the funds transfer application information, the server transfers the funds. It is preferable to verify the validity of the received money transfer application information by comparing and authenticating the password received included in the application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the money transfer application information received through the information receiving unit 1915 further includes predetermined security card information for confirming the validity of the money transfer application information, the server may be configured in the money transfer 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 money transfer application information.

Alternatively, when the fund transfer request information received through the information receiving unit 1915 further includes a predetermined OTP code for confirming the validity of the fund transfer request information, the server may include the funds transfer request information. It is preferable to authenticate the validity of the received money transfer application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to an embodiment of the present invention, the validation of the money transfer application information may include at least one ledger matching the money transfer application information to the ledger D / B 2100 on the financial system associated with the money transfer information registration system. It is preferable to include checking whether the information is registered.

For example, the validity verification unit 1920 is the information contained in the funds transfer application information, the branch information (branch company information, or member information, etc.) is ledger on the financial system associated with the fund transfer information registration system D / It is preferable to include a check that matches with the customer ledger stored in B (2100).

In addition, the validation of the target account information included in the funds transfer application information, the target account information corresponding to the target account to be included in the transfer information is the ledger on the financial system associated with the transfer information registration system D Check whether it matches the ledger stored in / B (2100), or match the ledger stored in the ledger D / B (2100) on the other financial institution financial system in connection with the financial system provided in other financial institutions It is preferable to include what is included.

In addition, the validity check of the branch account information included in the funds transfer application information, the branch account information included in the funds transfer information is stored in the ledger D / B (2100) on the financial system linked to the transfer information registration system It is desirable to include checking that it matches the ledger.

In addition, the verification of the validity of the transfer funds information included in the transfer application information is approved in Fig. 1 or 6 stored in the ledger D / B 2100 on the financial system associated with the transfer information registration system Result It is desirable to check whether the information is matched with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information included in the SWIFT full text provided from the registration information system. .

In addition, the validation of the money transfer approval information is provided from the approval result information registration system shown in FIG. 1 or 6 stored in the ledger D / B 2100 on the financial system associated with the fund transfer information registration system. It is desirable to include whether or not matching with the approval result information including at least one headquarter information, fund transfer approval information, transfer funds information, domestic branch information, branch trading financial institution information contained in the received SWIFT full text.

If the validity of the funds transfer application information is not authenticated (2435b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2440b) and corresponds to the money transfer application information. Do not perform the information registration procedure.

On the other hand, if the validity of the money transfer application information is authenticated (2435b), the server generates predetermined document content including at least one or more branch information, money transfer information, and money transfer approval information including the money transfer application information. 2445b, a predetermined money transfer request electronic document including the document content is generated (2450c).

According to one embodiment of the present invention, the server generates document content including at least one or more branch information, fund transfer information, fund transfer approval information included in the received money transfer application information, and includes the document content. A 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 HWP / DOC, or a web document file including an MHT). It is desirable to process the funds transfer application electronic document for the transfer of funds to the foreign head office approval result information corresponding to the approval of the transfer of funds requested by the domestic branch.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and the document content is included in the money transfer application information. After including at least one or more of branch information, money transfer information, and money transfer approval information in a watermarking manner, a document file (eg, a PDF (Portable Document Format) file) containing document content including the watermarking. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) It is advisable to process the electronic funds transfer application for transfer of funds for the resulting information.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, an image file including the document content captured in memory and generated) may be processed as a fund transfer application electronic document for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office. It is preferable.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the document content. (Eg, image content generated by capturing the document content in a memory) includes at least one or more of branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information in a watermarking manner. Thereafter, it is preferable to process an image file including the image content including the watermarking as a fund transfer application electronic document for transfer of funds for foreign head office approval result information corresponding to the fund transfer approval requested by the domestic branch office.

According to another exemplary embodiment of the present invention, the server generates document content including at least one branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and the document content is generated. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), so as to transfer funds for foreign head office approval result information corresponding to the money transfer approval requested by the domestic branch office. It is advisable to process the funds transfer electronically.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the document content. (Eg, image content generated by capturing the document content in memory) includes at least one or more of branch information, fund transfer information, and fund transfer approval information included in the fund transfer application information in a watermarking manner. And generating at least one document content including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the watermarking-containing image content. To generate a word processor file or a web document file including MHT). It is desirable to process a transfer of funds to approved foreign head office approved the results Funding Application for Electronic Document funding yicheeul for information corresponding to.

According to another embodiment of the present invention, the server generates document content including at least one or more branch information, funds transfer information, funds transfer approval information included in the received money transfer application information, the document content A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) including captured image content (e.g., image content generated by capturing the document content in memory) and the funds transfer application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to approve a foreign head office corresponding to the transfer of funds requested by the domestic branch office. It is advisable to process the electronic funds transfer application for transfer of funds for the resulting information.

Alternatively, the server generates document content including at least one or more branch information, money transfer information, and money transfer approval information included in the received money transfer application information, and captures the image content (captured). For example, image content generated by capturing the document content in a memory) includes at least one or more of branch information, money transfer information, and money transfer approval information included in the money transfer application information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content and includes the watermarking-containing image content and the funds transfer application information. Generating a word processor file including at least one, or a web document file including an MHT) It is preferable to handle the domestic branch offices to apply for funds transfer electronic documents for funding approval on foreign headquarters yicheeul result information corresponding to the requested transfer of funds approved.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a fund transfer application electronic document in an image file format and / or a predetermined document file format, and correspond to the fund transfer application electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated funds transfer application electronic document in a predetermined electronic document storage (2455c).

As shown in FIG. 19, the electronic document repository includes a predetermined electronic document server 1945 and an electronic document D / B 1965 associated with a server on the fund transfer information registration system through predetermined communication means. When provided to the outside, the server preferably transmits the generated funds transfer application electronic document to the electronic document server 1945 via the communication means to store in the electronic document D / B (1965).

Alternatively, when the electronic document storage is provided on a DBMS provided in the fund transfer information registration system, the server stores the generated electronic money transfer request electronic document on a DBMS provided in the fund transfer information registration system. It is possible to store in the electronic document D / B (1965) corresponding to the present invention, thereby not limited.

According to the method of the present invention, storing the funds transfer application electronic document in the electronic document storage, the electronic funds shown in Figure 19 by processing the generated funds transfer application electronic document and predetermined electronic document management information Preferably stored in document D / B 1965.

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

The electronic document management information may further include information on a financial institution that transmitted the funds transfer request electronic document.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the funds transfer application information, and / or financial institution information transmitting the funds transfer application electronic document), and And / or the electronic document file format information, and / or the funds transfer application information).

If the fund transfer request electronic document is stored in the electronic document repository (2460c), the server processes the branch information, the money transfer information, and the money transfer approval information included in the money transfer application information in a predetermined storage medium. 2465c, predetermined information registration history information (e.g., a history of storing the funds transfer application electronic document in the electronic document storage, and / or the money transfer application information in the storage medium 2105). And stores (or extracts) the information stored therein and transmits it to the terminal (2470c).

According to an embodiment of the present invention, the storage medium 2105 is preferably provided in a DBMS on a financial system provided on the fund transfer information registration system (or associated with the fund transfer information registration system). The storage medium 2105 may be a ledger D / B 2100 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2100, thereby providing the present invention. This is not limited.

According to another embodiment of the present invention, the storage medium 2105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the funds transfer information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

According to the present invention, when a domestic branch requests approval for a business such as transfer of funds to a foreign head office, whether to approve the request is shared between the foreign financial institution and the domestic financial institution through the SWIFT full text of approval information. It can provide accuracy and stability to the fund transfer task.

Claims (4)

In response to a request for the transfer of funds of a domestic branch of a predetermined company in a predetermined information receiving means, the transfer information of the foreign headquarters of the company is approved, transfer funds information, the fund transfer request domestic branch information, and the domestic branch trading financial institution information Receiving approval result information; Generating a SWIFT telegram including the received approval result information in a predetermined telegram generation means; Transmitting the generated SWIFT telegram in a predetermined telegram transmission means to the domestic branch transaction financial institution for the money transfer request; Storing, in a predetermined storage medium, approval result information included in the transmitted SWIFT telegram in a predetermined information storage means; Confirming the validity of the money transfer requested by the domestic branch office with reference to the approval result information stored in the storage medium in a predetermined validity confirming means when the predetermined transfer request of the domestic branch office is requested; And When the validity of the transfer of funds requested by the domestic branch office is confirmed, processing the transfer of funds requested by the domestic branch in a predetermined transfer processing means; Fund transfer approval processing method using the SWIFT full text, characterized in that it comprises a. The method of claim 1, The step of checking the validity of the money transfer requested by the domestic branch office, with reference to the approval result information stored in the storage medium in the validity checking means, Receiving predetermined money transfer application information provided by the domestic branch office; Comparing the money transfer history included in the received money transfer application information with the money transfer history included in the approval result information stored in the storage medium; And Checking the validity of the transfer request of the domestic branch according to the comparison result; Fund transfer approval processing method using the SWIFT full text, characterized in that it comprises a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In response to a request for the transfer of funds of a domestic branch of a given company, the approval result information including fund transfer approval information, transfer funds information, the transfer request information of the domestic branch office, and the domestic branch trading financial institution information is received. Information receiving means; A full text generation step of generating a full text message including the received approval result information; Specialized transmission means for transmitting the generated SWIFT telegram to the domestic branch transaction financial institution for the money transfer request; Information storage means for storing the approval result information included in the transmitted SWIFT message in a predetermined storage medium; Validity checking means for verifying the validity of the transfer of funds requested by the domestic branch by referring to the approval result information stored in the storage medium when the predetermined transfer request of the domestic branch is requested; And When the validity of the transfer of funds requested by the domestic branch is confirmed, the transfer processing means for processing the transfer of funds requested by the domestic branch; Fund transfer approval processing system using a full SWIFT characterized in that it comprises a.

Images