KR20090001946A - System and method for automatic converting financial goods and program recording medium - Google Patents

System and method for automatic converting financial goods and program recording medium Download PDF

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Publication number
KR20090001946A
KR20090001946A KR1020070052389A KR20070052389A KR20090001946A KR 20090001946 A KR20090001946 A KR 20090001946A KR 1020070052389 A KR1020070052389 A KR 1020070052389A KR 20070052389 A KR20070052389 A KR 20070052389A KR 20090001946 A KR20090001946 A KR 20090001946A
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KR
South Korea
Prior art keywords
information
fna
financial
customer
predetermined
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KR1020070052389A
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Korean (ko)
Inventor
이상용
Original Assignee
주식회사 신한은행
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Priority to KR1020070052389A priority Critical patent/KR20090001946A/en
Publication of KR20090001946A publication Critical patent/KR20090001946A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping
    • G06Q30/0623Item investigation
    • G06Q30/0625Directed, with specific intent or strategy
    • G06Q30/0629Directed, with specific intent or strategy for generating comparisons
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The present invention relates to a method and system for automatically converting financial products and a program recording medium therefor, wherein the method for automatically converting financial products according to the present invention provides profitability of the financial products (or beneficiary certificates) held by the customer in a predetermined information checking means. And comparing the profitability of the new financial target product (or beneficiary certificate) with the customer, and confirming the profitability of the new financial target product (or beneficiary certificate) with the predetermined financial product confirmation means. If the profitability of the financial product (or beneficiary certificates) held by the customer is less than the profitability of the new financial target product (or beneficiary certificates) of the customer, as a result of the confirmation of profitability in a predetermined financial product operation means, the customer's consent Terminate the financial instrument (or beneficiary certificates) held by the customer according to the Comprising the step of operating the investment amount for the goods (or BCs).

Description

System and Method for Automatic Converting Financial Goods and Program Recording Medium}

1 is a diagram showing the configuration of an entire system for automatically converting a predetermined beneficiary certificate into a bank financial instrument according to an embodiment of the present invention.

2 is a view for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to a bank transaction provided by a predetermined bank according to an embodiment of the present invention. A diagram illustrating a system for establishing a face to face financial network account (FNA).

3 is a diagram illustrating an implementation method in which a storage medium storing FNA information corresponding to an FNA established in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

4 illustrates an embodiment of the present invention in which a storage medium storing FNA information corresponding to an FNA opened in a face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system. Figure is shown.

FIG. 5 is a diagram illustrating an implementation method in which a storage medium for storing FNA information corresponding to an FNA established in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

6A and 6B are finances including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks in a face-to-face manner according to an embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving a transaction service.

7A and 7B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving financial transaction services.

8A and 8B include at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving a financial transaction service.

9 is provided with a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to another embodiment of the present invention. A diagram illustrating a non-face to face FNA account opening system.

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

11 is an embodiment in which a storage medium for storing FNA information corresponding to an FNA account opened in a non-face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention. A diagram illustrating the method.

FIG. 12 is a diagram illustrating an implementation method in which a storage medium for storing FNA information corresponding to an FNA account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

13A and 13B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a non-face-to-face manner according to an exemplary embodiment of the present invention. A diagram illustrating a process of opening an FNA account for receiving a financial transaction service.

14A, 14B, and 14C are finances including at least one or more of a securities transaction provided by a securities company, a credit card transaction provided by a credit card company, etc. in addition to a bank transaction provided by a predetermined bank according to an embodiment of the present invention. A diagram illustrating a process of opening an FNA account for receiving a transaction service.

FIG. 15 is a diagram illustrating an FNA operating system for converting a beneficiary certificate sold by a predetermined fund manager (or a securities company) into a bank financial product according to an embodiment of the present invention.

FIG. 16 is a view illustrating an operation flow of an FNA operation system for converting a beneficiary certificate sold by a predetermined fund manager (or a securities company) into a bank financial product.

17 is a flowchart illustrating a process for transferring a beneficiary certificate sold by a given fund manager (or securities company) to an FNA according to an embodiment of the present invention.

18 is a diagram illustrating a flow of a process for canceling and settlement of beneficiary certificates sold by a predetermined fund manager (or securities company) deposited in an FNA account according to an embodiment of the present invention.

19 is a diagram illustrating a system for registering customer approval information in a face-to-face manner for transferring from a predetermined fund manager (or a securities company) to an FNA of a predetermined bank according to an exemplary embodiment of the present invention.

FIG. 20 illustrates a structure of transfer approval information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for transferring from a given fund manager (or securities company) to a FNA of a given bank according to an embodiment of the present invention. Figure is shown.

Figure 21 is stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for transfer from a given fund manager (or securities) to the FNA of a given bank in accordance with another embodiment of the present invention A diagram showing a structure of previous approval information.

FIG. 22 is a diagram illustrating a configuration of transfer approval information stored in a DBMS provided in a banking server in a face-to-face manner in order to transfer from a predetermined fund manager (or a securities company) to an FNA of a predetermined bank according to another exemplary embodiment of the present invention. to be.

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

24 is a diagram illustrating a non-face-to-face customer approval information registration system for transferring from a given fund manager (or securities company) to a FNA of a given bank according to another exemplary embodiment of the present invention.

FIG. 25 illustrates transfer approval information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a FNA of a given bank according to an embodiment of the present invention. Figure is a diagram.

26 is a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a FNA of a given bank according to another embodiment of the present invention. A diagram showing stored previous approval information configuration.

FIG. 27 illustrates a structure of transfer approval information stored in a DBMS provided in a banking server in a non-face-to-face manner for transferring from a predetermined fund manager (or a securities company) to an FNA of a predetermined bank according to another embodiment of the present invention. Drawing.

FIG. 28 is a diagram illustrating a process of registering transfer approval information in a non-face-to-face manner in order to transfer to a FNA of a predetermined bank from a predetermined fund manager (or a securities company) according to an exemplary embodiment of the present invention.

29A and 29B illustrate a process of registering transfer approval information in a non-face-to-face manner in order to transfer to a FNA of a predetermined bank from a predetermined fund manager (or securities company) according to another exemplary embodiment of the present invention.

30 is a diagram showing the configuration of an entire system for automatically converting a predetermined beneficiary certificate into a banking instrument according to one embodiment of the present invention.

31 is provided for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to an embodiment of the present invention. A diagram illustrating a system of opening a face-to-face securities partnership account.

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

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

FIG. 34 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium for storing securities affiliate account information corresponding to a securities affiliate account opened in a face-to-face manner according to another embodiment of the present invention is provided. .

35A and 35B illustrate a financial method including at least one banking transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to an exemplary embodiment of the present invention. A diagram illustrating a process of opening a security partnership account for receiving a transaction service.

36A and 36B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a process of opening a securities partnership account for receiving a financial transaction service.

37A and 37B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a process of opening a security partnership account for receiving a financial transaction service.

38 is provided with a financial transaction service including at least one securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank according to another embodiment of the present invention. Figure is a diagram illustrating a non-face-to-face securities partnership account opening system.

FIG. 39 is a diagram illustrating an implementation method in which a storage medium storing securities affiliate account information corresponding to a securities affiliate account opened in a non-face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

40 is a database in which a storage medium for storing securities affiliate account information corresponding to a securities affiliate account account opened in a non-face-to-face manner according to another embodiment of the present invention is provided with a ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a.

FIG. 41 illustrates an implementation method including a DBMS provided in a banking server in a storage medium for storing securities affiliate account information corresponding to a securities affiliate account opened in a non-face-to-face manner according to another embodiment of the present invention. Drawing.

42A and 42B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a non-face-to-face manner according to an exemplary embodiment of the present invention. This is a diagram illustrating a process of opening a securities affiliated account for receiving financial transaction services.

43A, 43B, and 43C are finances including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank, according to an embodiment of the present invention. A diagram illustrating a process of opening a securities partnership account account for receiving a transaction service.

44 is a diagram illustrating a security partnership account management system for identifying a target account for converting a beneficiary certificate sold by a predetermined fund manager (or a securities company) into a bank financial product according to an embodiment of the present invention.

FIG. 45 is a diagram illustrating an operation flow of a security partnership account operating system for converting a beneficiary certificate sold by a predetermined fund manager (or a securities company) into a bank financial instrument.

46 is a flowchart illustrating a process for transferring a beneficiary certificate sold by a given fund manager (or securities company) to an FNA according to an embodiment of the present invention.

FIG. 47 is a view showing a flow of a process for canceling and settingtle a beneficiary certificate sold by a predetermined fund manager (or securities company) deposited in an FNA account according to an embodiment of the present invention.

48 is a diagram illustrating a system for registering customer approval information in a face-to-face manner for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to an embodiment of the present invention.

49 illustrates transfer approval information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to an embodiment of the present invention. It is a figure which shows a structure.

50 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. FIG. 7 is a diagram illustrating a configuration of previous approval information stored in FIG.

FIG. 51 is a view illustrating a configuration of transfer approval information stored in a DBMS provided in a banking server in a face-to-face manner in order to transfer from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. One drawing.

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

53 is a diagram illustrating a non-face-to-face customer approval information registration system for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention.

54 is a transfer approval stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to an embodiment of the present invention. It is a figure which shows an information structure.

55 is associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. A diagram illustrating a structure of previous approval information stored in a database.

56 is a view illustrating a structure of transfer approval information stored in a DBMS provided in a banking server in a non-face-to-face manner for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to another exemplary embodiment of the present invention. Figure is shown.

57 is a diagram illustrating a process of registering transfer approval information in a non-face-to-face manner in order to transfer from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to an exemplary embodiment of the present invention.

58A and 58B illustrate a process of registering transfer approval information in a non-face-to-face manner for transferring from a predetermined fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. One drawing.

<Description of main parts of drawing>

100: FNA establishment system 105: FNA operation system

110: Fund manager (or securities company) system 115: Depository system

120: financial system

The present invention comprises the steps of comparing the profitability of the financial product (or beneficiary certificates) held by the customer with the profitability of the new financial target (or beneficiary certificates) of the customer in a predetermined information confirming means; Confirming the profitability of the customer's newly subscribed financial product (or beneficiary certificate), and as a result of checking the profitability in a predetermined financial product operation means, the profitability of the financial product (or beneficiary certificate) held by the customer If the customer is less than the profitability of the new financial product (or beneficiary certificates), the financial instrument (or beneficiary certificates) held by the customer is terminated according to the consent of the customer, and the canceled amount of the financial product (or beneficiary certificates) (Or beneficiary) relates to a method for automatically converting financial products, including the step of operating as an investment amount.

Recently, as the economic environment has improved drastically, many financial companies have been created, and accordingly, many financial products have been created as the business scale of financial companies has grown.

In this situation, it is difficult for the customer to know the difference in profits for many financial products, which makes it difficult to know which products bring higher profits.

In addition, even if a product that brings a high profit is known, it is difficult to convert the product easily due to a complicated or inconvenient product conversion process.

An object of the present invention for solving the above problems, information confirmation means for comparing the profitability of the financial product (or beneficiary certificates) held by the customer and the profitability of the new financial target product (or beneficiary certificates) of the customer, and the Financial product checking means for confirming the profitability of the customer's new subscription target financial products (or beneficiary certificates), and the profitability of the financial product (or beneficiary certificates) held by the customer is higher than that of the customer. If the profitability of the product (or beneficiary certificate) is less than the profitability of the customer, the financial instrument (or beneficiary certificate) held by the customer is terminated according to the consent of the customer, and the canceled amount is added to the new target financial instrument (or beneficiary certificate). The present invention provides an automatic financial product converting system having a financial product operating means managed at an investment amount.

In the automatic financial product conversion method according to the present invention, comparing the profitability of the financial product (or beneficiary certificates) held by the customer with the profitability of the new financial target product (or beneficiary certificates) of the customer in a predetermined information checking means. And confirming the profitability of the customer's new target financial product (or beneficiary certificate) in a predetermined financial product checking means, and as a result of the profitability checking in the predetermined financial product operating means, the financial product held by the customer ( Or if the profitability of the beneficiary certificate is less than the profitability of the new financial object (or beneficiary certificate) of the customer, the customer's consent to terminate the financial product (or beneficiary certificate) held by the customer, and And operating an amount as an investment amount for the new target financial product (or beneficiary certificate). The.

In the automatic financial product conversion method according to the present invention, if the profitability of the financial product (or beneficiary certificates) held by the customer in the predetermined information receiving means is less than the profitability of the new financial target product (or beneficiary certificates) of the customer, Automatically canceling the financial instrument (or beneficiary certificate) held by the customer and receiving predetermined financial instrument conversion approval information for joining (or investing) the new target financial instrument (or beneficiary certificate). Characterized in that made.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described automatic financial product switching method.

On the other hand, the automatic financial product conversion system according to the present invention, information confirmation means for comparing the profitability of the financial product (or beneficiary certificates) held by the customer and the profitability of the financial product (or beneficiary certificates) for the new subscription of the customer; Financial product checking means for confirming the profitability of the financial object (or beneficiary certificate) of the customer newly registered, and the profitability of the financial product (or beneficiary certificate) held by the customer is the target of the new subscription of the customer. If less than the profitability of a financial instrument (or beneficiary certificate), the financial instrument (or beneficiary certificate) held by the customer is terminated according to the customer's consent, and the canceled amount is used for the new subscription target financial instrument (or beneficiary certificate). It characterized in that it comprises a financial product operating means for operating at an investment amount for.

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

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

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

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

In addition, the following embodiments will be described based on a predetermined beneficiary certificate in order to effectively explain the technical features of the present invention, but since the embodiment using all the financial products owned by the customer other than the beneficiary certificate can be easily inferred, Thereby, this invention is not limited at all.

1 is a diagram showing the configuration of an entire system for automatically converting a predetermined beneficiary certificate into a banking instrument according to one embodiment of the present invention.

In more detail, Figure 1 transfers the beneficiary certificates that are deposited in the account of a given fund manager (or securities company) by a customer according to the process shown in Figure 17 below, and the process shown in Figure 18 below. By the termination process comprising at least one of the beneficiary certificates or at least one beneficiary certificate previously deposited in the bank's Financial Network Account (FNA) by the process shown in Figure 18 below. The entire structure of a system for canceling a beneficiary certificate and re-investing a deposit deposited with FNA in a predetermined banking financial instrument through settlement of the canceled beneficiary certificate is shown, having ordinary knowledge in the field of the present invention. 1, a predetermined customer may be deposited in an account of a predetermined fund manager (or securities company). Terminate the beneficiary certificate by a termination process including transferring at least one of the securities, termination of the transferred beneficiary certificate, or at least one beneficiary certificate previously deposited in the bank's FNA, and the terminated profit. It is possible to infer various implementation methods of the system for reinvesting a deposit deposited with FNA in a predetermined bank financial instrument through the settlement of securities, but the present invention includes all the implementation methods inferred as shown in FIG. It is not limited only to the implemented method.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify the present invention, such as the FNA establishment system 100, the FNA operation system 105, and the customer approval information registration system shown in FIG. Although it may be operated in at least one or more systems, the system may be inferred from the various implementation methods of the type provided in the financial system 120 or the depository system 115, the present invention is all inferred implementation It includes a method, and is not limited to the embodiment method shown in FIG.

In addition, those skilled in the art to which the present invention belongs, FNA establishment system 100, FNA operation system 105, customer approval information registration system shown in this Figure 1 by referring to and modifying this drawing 1 It may be operated in the form of a DBMS (DataBase Management System) comprising at least one D / B located, but the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in Figure 1 No.

Referring to FIG. 1 according to an embodiment of the present invention, in addition to the bank transaction provided by the bank, a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided. In the FNA establishment system 100, the FNA management system 105 for identifying the target account for converting the beneficiary certificates sold by the fund manager (or securities company) into bank financial products, and the fund manager (or securities company) Face-to-face customer approval information registration system for transfer to the FNA of the bank, a depository system 115 that acts as an intermediary for the transaction of beneficiary securities between the bank and the fund manager (or securities company), and the FNA establishment system (100) Financial system 120 equipped with a ledger corresponding to the FNA opened through the) and a face-to-face for the customer to register customer approval information And a terminal device including at least one of a null (for example, a window terminal and the like) or a non-facing channel (for example, a wired terminal and a wireless terminal).

According to the present invention, the FNA establishment system provides a predetermined customer with predetermined customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). When a FNA application form including at least one product information and a beneficiary certificate information is prepared and submitted to a window provided in the bank, the bank based on the FNA subscription application information corresponding to the FNA application form is provided. In addition to banking transactions provided by a given bank, a FNA is provided for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, and for managing the FNA. The FNA information is stored in a predetermined storage medium.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (e.g., the customer has a financial transaction with the bank). By signing up as a customer, the member ID information, or CIF (in the customer ledger provided on the financial system 120 associated with the FNA establishment system 100 shown in FIG. 2 or 9 corresponding to the customer, is provided. Customer Information File) number, etc.) is preferably included.

The beneficiary certificate information means a beneficiary certificate number which the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company) and lists the purchased beneficiary information in the FNA subscription application when FNA is opened. It is desirable to.

In addition, the FNA opening system allows a given customer to access a predetermined customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or MMF (interface) through a predetermined financial account opening interface. If the bank provides the product information including at least one Money Market Funds) and FNA subscription application information including at least one beneficiary certificate information to the bank, the bank provides the bank information based on the FNA subscription application information. Open a FNA account for receiving financial transaction services including at least one securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to banking transactions, and provide FNA information for managing the FNA account. It is characterized by storing in a predetermined storage medium.

According to the present invention, the FNA management system 105 operates the FNA established through the FNA establishment system 100 based on the FNA information stored in the storage medium, and the beneficiary certificates sold by the fund manager (or securities company). It is characterized in that the target account for converting the bank financial instruments, and in response to the confirmed results by canceling the beneficiary certificates by a predetermined customer approval process to convert to a predetermined bank financial instruments.

According to the present invention, the customer approval information registration system in the FNA operation system 105 to the FNA opened by the customer through the FNA establishment system 100 to the customer approval information registration system through a predetermined information registration interface Transfer approval including at least one customer information and approval information for transferring the target beneficiary certificate to convert the identified beneficiary certificate to the specified financial instrument from the fund manager (or securities company) to the FNA of the bank. When the information is provided, the customer approval information registration system may process the customer information and the approval information included in the provided previous approval information in association with each other and store the same in the predetermined storage medium.

In addition, the customer approval information registration system is a predetermined customer confirmed by the FNA operating system 105 to the FNA opened through the FNA establishment system 100 to the customer approval information registration system through a predetermined information registration interface. Transfer approval information including at least one of customer information and approval information to transfer the beneficiary to which the beneficiary certificate is to be converted into a predetermined financial instrument from the fund manager (or the securities company) to the FNA of the bank. If provided, the customer approval information registration system is characterized in that the customer information, the approval information included in the previous approval information provided in the linkage processing to store in a predetermined storage medium.

Referring to FIG. 1, the financial system 120 opens at least one financial account to at least one financial transaction customer, and is provided with a bank to provide at least one financial transaction service based on the financial account. A system comprising: an accounting system for processing a windowing service such as credit or reception or trust or foreign exchange occurring at at least one branch (or window), an information system for processing a headquarters business, a branch information support, and a customer information management; Interconnection between the financial system 120 and at least one other financial system 120 (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, Wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to the financial system 120 And external systems that provide various financial transaction interfaces through at least one common network and / or at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing between components in the financial system 120, and predetermined information (e.g., required for performing each function in a component in the financial system 120). And a database management system (DBMS) including at least one or more databases for storing and managing ledger information, and / or customer information, and / or management information.

In addition, the financial system 120 is intended by those skilled in the art and / or types of banks (eg, commercial banks, savings banks, trust banks) provided with the financial system 120 and the purpose of the financial system 120 and Depending on the feature, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and is generally known in the art Those skilled in the art will be familiar with the detailed technical matters for the financial system 120, and a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 120, the bank opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger for the at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the bank. Information (e.g., customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) It is characterized in that it is linked to and stored as a relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger information according to the type of each bank and the purpose and characteristic of the financial system 120. In addition to being familiar with at least one ledger additional information corresponding to each other, each ledger information is linked and stored in a relational manner, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial institution server 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, Securities for receiving a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to the bank transactions provided by the predetermined bank through at least one user interface provided When entering (or selecting) the affiliated account subscription information, the client terminal preferably transmits through a predetermined network means to the financial institution server provided on the security account account opening system.

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 based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

2 is provided for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to an embodiment of the present invention. A diagram illustrating a system for establishing a face to face financial network account (FNA).

More specifically, Figure 2 shows that a given customer has at least one piece of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). When a FNA application form including at least one product information and beneficiary certificate information is prepared and submitted to a window provided at a predetermined bank, the bank prescribes the predetermined information based on the FNA subscription application information corresponding to the FNA application. In addition to bank transactions provided by banks, FNA is opened to receive financial transaction services including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies, and FNA information for managing the FNA. As a system configuration for storing a predetermined storage medium 280, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 2 to include at least one financial transaction including a stock transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank. Various implementation methods for constructing a FNA establishment system for receiving a service 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.

For example, those skilled in the art to which the present invention pertains can infer the FNA establishment system configuration omitting the method of storing the FNA electronic document in the electronic document repository by referring to and / or modifying the drawing 2. In addition, in the case where the FNA electronic document is stored in the electronic document repository, in addition to the implementation method illustrated in FIG. 2, the electronic document repository may be inferred from the implementation method provided in the DBMS located in the FNA establishment system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, as shown in FIG. 2, in the method for generating the FNA electronic document, the FNA electronic document corresponding to the FNA application is described as being generated on the server side on the FNA establishment system. The FNA electronic document is not limited thereto, and the FNA electronic document may be generated at a terminal that acquires image content corresponding to the FNA application through a predetermined image obtaining apparatus (for example, generating an electronic document provided at the server side). Function is provided on the terminal side to generate the FNA electronic document), whereby the present invention is not limited.

Hereinafter, the customer opens the FNA in response to the FNA application form and the FNA subscription application information created by the customer through a predetermined financial account opening interface shown in FIG. Components corresponding to at least one or more means and / or functional configurations for generating an FNA electronic document and storing it in a predetermined electronic document repository are referred to as " financial company server 285 "

Referring to FIG. 2 according to an embodiment of the present invention, a financial transaction service including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to the bank transactions provided by the predetermined banks. The FNA establishment system for receiving the service is characterized in that it comprises a terminal device 270 including a teller terminal provided in at least one bank branch (or branch), the terminal device 270 is a predetermined financial A communication channel is connected to a financial institution server 285 provided on the FNA establishment system through a network.

According to an exemplary embodiment of the present invention, the customer provides a financial transaction service including at least one or more of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. Securities transactions or credits provided by securities companies in addition to the bank transactions provided by the predetermined banks by visiting the bank branches (branches) and through the counters provided at the bank branches (branches). Application for a predetermined FNA application for receiving a financial transaction service including at least one credit card transaction provided by a card company (for example, a securities transaction provided by a securities company other than the bank transaction provided by the predetermined bank, or a credit card company Financial transaction services, including at least one credit card transaction, A document with a form for filling in at least one item of information to be provided), wherein the customer is required to seal the customer's seal for legal basis on the FNA application.

Then, when the customer submits the completed FNA application to the teller, the teller scans the FNA application through a predetermined image acquisition device to obtain a predetermined image content, and through the predetermined teller terminal, the FNA application. At least one of the image contents acquired in response to the above, the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) entered in the FNA application. Input (or select) FNA subscription application information including at least one of product information and beneficiary certificate information including the above information; and correspondingly, the counter terminal transmits the image content and FNA subscription application information to the FNA through the financial network. It is preferable to transmit to the financial institution server 285 provided on the establishment system.

Here, the window terminal preferably comprises a financial terminal used by the employee of the bank branch (or branch), the financial company server 285 connected to the window terminal is provided on the predetermined financial system 120. It is preferable to include a server (for example, a ledger server, etc.), and the financial network connecting the teller terminal and the financial company server 285 is a branch network connecting the communication channel between the teller terminal and the financial company server (285). It is preferable to comprise a.

In the FNA establishment system as described above, an image acquisition apparatus for acquiring image contents corresponding to the FNA application form prepared by the customer, a bank terminal for use by the employee, and a bank terminal connecting the window terminal and the financial company server 285. The network uses the FNA subscription application information to receive a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. Functions as a financial account opening interface to register.

The storage medium 280 provided on the FNA establishment system according to the present invention includes the customer information, account information, and certificate of deposit included in the FNA subscription application information provided from the terminal device 270; CD) or Repurchase Agreements (RP) or MMF (Money Market Funds) product information including at least one, FNA information including at least one or more beneficiary information.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a given customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the FNA establishment system in response to the customer. It is preferable to comprise as mentioned above.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

According to one embodiment of the invention, the storage medium 280 is preferably provided in a DBMS on the financial system 120 provided on the FNA establishment system (or associated with the FNA establishment system), wherein The storage medium 280 may be a ledger D / B 275 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 275. The present invention is not limited by this.

According to another method of the present invention, the storage medium 280 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 285 provided on the FNA establishment system according to the present invention is a generic term for the components of the FNA establishment system side connected to the terminal device 270 through a predetermined financial network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 270 is a window terminal connected to a predetermined financial network, the financial company server 285 is connected to the financial terminal 120 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 financial system 120, and / or a program provided in the external system on the financial system 120, The present invention is not limited thereby.

According to an exemplary embodiment of the present invention, the financial company server 285 may include an interface unit 200 for connecting and managing a predetermined communication channel with the terminal device 270 through the financial network.

According to an embodiment of the present invention, when the terminal device 270 is a window terminal that is connected to a predetermined financial network, the interface unit 200 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when a predetermined terminal device 270 connects a predetermined communication channel with the financial institution server 285 through the interface unit 200, the financial institution server 285 may be connected to a predetermined bank. In addition to the provided banking transactions, a predetermined image acquisition device provided in the terminal device 270 is provided to receive a financial transaction service including at least one or more of the securities transaction provided by the securities company or the credit card transaction provided by the credit card company. At least one user interface for acquiring image content corresponding to the FNA application prepared by the customer, inputting (or selecting) FNA subscription application information corresponding to the FNA application, and transmitting the same to the financial institution server 285. The terminal apparatus may generate (or extract) and generate the generated (or extracted) user interface in association with the interface unit 200. When the interface providing unit 205 and the terminal device 270 input (or select) the FNA subscription application information corresponding to the FNA application through the user interface, the interface unit (270) is provided. The information receiving unit 210 for receiving the FNA subscription request information transmitted from the terminal device 270 in association with the terminal 200 and the image obtaining apparatus based on the user interface in the terminal device 270. When the client acquires and transmits the image content corresponding to the FNA application, the image receiver 215 is configured to receive the image content corresponding to the FNA application in association with the interface unit 200.

The interface providing unit 205 connects a predetermined communication channel with the financial institution server 285 through the interface unit 200 and then connects the predetermined bank to the financial institution server 285. In addition to the bank transaction provided by the request for a user interface for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or a credit card transaction provided by a credit card company, the terminal device 270 is provided. Acquires image contents corresponding to the FNA application written by the customer through a predetermined image acquisition device, inputs (or selects) FNA subscription application information corresponding to the FNA application, and executes the financial company server 285 through the financial network. Generate at least one user interface to transmit to the database, and / or to a database (not shown). Emitter extraction, and in cooperation with the interface unit 200, the generated user interface (or extraction) characterized in that it provides to the terminal device 270 through the financial network.

According to another embodiment of the present invention, the terminal device 270 acquires image contents corresponding to the FNA application created by the customer through a predetermined image acquisition device, and inputs FNA subscription application information corresponding to the FNA application. Or a predetermined information registration program having at least one user interface for transmitting to the financial institution server 285 through the financial network, the customer may be provided through the predetermined image acquisition apparatus as described above. The terminal acquires image content corresponding to the created FNA application form, generates (or extracts) a user interface for inputting (or selecting) FNA subscription application information corresponding to the FNA application form, and transmits it to the financial institution server 285. The interface providing unit 205 provided to the device 270 may be omitted, thereby the present invention It is not limited.

Thereafter, the terminal device 270 receives at least the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface. Enter (or select) FNA subscription application information including at least one product information and at least one beneficiary certificate information, and input the (or selected) FNA subscription application information through the financial network to the financial company server 285. In response thereto, the information receiving unit 210 receives the FNA subscription request information transmitted from the terminal device 270 in association with the interface unit 200.

In addition, the terminal device 270 acquires the image content corresponding to the FNA application written by the customer through a predetermined image acquisition device based on the user interface, and the financial company through the financial network The image receiving unit 215 receives the image content corresponding to the FNA application in association with the interface unit 200.

According to another exemplary embodiment of the present invention, the terminal device 270 acquires image content corresponding to the FNA application written by the customer through a predetermined image acquisition device, and is provided (or linked) to the terminal device 270. The pre-stored in a predetermined storage device, the terminal device 270 selects the image content corresponding to the FNA application written by the customer from the at least one or more image content stored in the storage device through the user interface The image receiving unit 215 is connected to the interface unit 200 to receive the image content corresponding to the FNA application.

According to another embodiment of the present invention, when the terminal device 270 transmits the image content corresponding to the FNA application written by the customer and the FNA subscription application information corresponding to the FNA application through the user interface, The information receiving unit 210 may receive the image content corresponding to the FNA application and the FNA subscription request information together with the interface unit 200 (for example, the image receiving unit 215 may include the information receiving unit 210. And integrated operation), whereby the present invention is not limited.

Referring to FIG. 2, when the FNA subscription request information transmitted from the terminal device 270 is received through the information receiver 210, the financial institution server 285 receives the FNA subscription request information. In addition to the bank transactions provided by the bank, a validity verification unit 220 for verifying whether the securities transaction provided by the securities company or the financial transaction service including at least one or more credit card transactions provided by the credit card company is satisfied. It is characterized by comprising.

According to the method of the present invention, the validation of the FNA subscription information is at least one or more matching the FNA subscription application information to the ledger D / B (275) on the financial system 120 associated with the FNA establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the FNA subscription request information is performed on the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA establishment system. It is preferably made to include matching with the customer ledger stored in the ledger D / B (275).

Referring to FIG. 2, the financial company server 285 receives the image content transmitted from the terminal device 270 through the image receiving unit 215, and requests for subscription to the FNA through the validity checking unit 220. When the validity of the information is authenticated, an electronic document generation unit 225 for generating a predetermined FNA electronic document including the received image content, and the electronic document repository in which the generated FNA electronic document is associated with the FNA establishment system. Characterized in that it comprises an electronic document transmission unit for transmitting to.

The electronic document generating unit 225 generates an FNA electronic document including the image content received from the terminal device 270 through the image receiving unit 215.

According to the exemplary embodiment of the present invention, the electronic document generator 225 is configured to store the image file including the image content received from the terminal device 270 through the image receiver 215 as it is. In addition to banking transactions provided by, it is preferable to process FNA electronic documents for receiving financial transaction services including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies.

Alternatively, the electronic document generator 225 is included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Information, account information, product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). In addition to the banking transaction provided by the predetermined bank, the image file corresponding to the image content included by the watermarking method includes at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company. It is desirable to create an FNA electronic document for receiving financial transaction services.

According to another exemplary embodiment of the present invention, the electronic document generating unit 225 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 270 through the image receiving unit 215. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) In addition to banking transactions provided by, it is preferable to generate an FNA electronic document for receiving a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies.

Alternatively, the electronic document generator 225 is included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Information, account information, product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). Generate image content including watermarking, and use a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including the generated image content. A bank provided by the predetermined bank by generating a word processor file including at least one DOC or the like, or a web document file including an MHT) In addition to creating a future that credit card transactions, including providing in securities trading, brokerage firms or credit card provided by the FNA electronic documents for receiving a banking service that includes at least one is preferable.

According to another exemplary embodiment of the present invention, the electronic document generator 225 may receive the image content and the information receiver 210 received from the terminal device 270 through the image receiver 215. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received FNA subscription application information, or an MHT. By generating a web document file including the above), in addition to the bank transaction provided by the predetermined bank, providing a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies. It is desirable to create a FNA electronic document for receiving.

Alternatively, the electronic document generator 225 is included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Information, account information, product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). Generate an image content including a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) including the generated image content and the FNA subscription request information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT). In addition to banking transactions provided by the Bank created the FNA electronic documents for receiving a banking service that includes at least one credit card transactions, such as provided by the SEC, or credit card provided by the securities are preferred.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 225 for generating an FNA electronic document in an image file format and / or a predetermined document file format, and the FNA electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit transmits and stores the FNA electronic document generated by the electronic document generating unit 225 to a predetermined electronic document repository associated with the FNA establishment system.

As shown in FIG. 2, the electronic document repository stores a predetermined electronic document server 290 and an electronic document D / B 265 associated with a financial company server 285 on the FNA establishment system through predetermined communication means. In addition, the electronic document transmission unit is characterized in that for transmitting the FNA electronic document generated by the electronic document generation unit 225 to the electronic document server 290 through the communication means.

Here, when the electronic document server 290 and the electronic document D / B 265 is provided outside the FNA establishment system, the electronic document server 290 and the electronic document D / B 265 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the FNA establishment system, the electronic document transmission unit reads the FNA electronic document generated by the electronic document generation unit 225. It is possible to store in the electronic document D / B 265 corresponding to the electronic document storage on the DBMS provided in the FNA establishment system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit electronic document related information for generating predetermined electronic document management information in the electronic document server 290 (for example, customer information for creating an FNA application form corresponding to the image content). And / or banking information for transmitting the FNA electronic document, and / or electronic document file format information, and / or the FNA subscription application information, etc.), thereby transmitting to the electronic document repository. The present invention is not limited.

Referring to FIG. 2, the financial company server 285 provides the FNA subscription application information received through the information receiving unit 210 to a securities company other than the bank transaction provided by the predetermined bank through the validity checking unit 220. When the validity for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by a credit card company is authenticated, the customer information and account included in the FNA subscription application information for which the validity is verified The financial account information is generated based on information, a product information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF), and beneficiary information. An information generating unit 235 and an account opening unit 240 for opening and processing a financial account under the customer's name including the financial account information. It is characterized by made.

When the validity of the FNA subscription application information is confirmed by the validity confirmation unit 220, the information generation unit 235 is the customer information, account information, certificate of deposit included in the FNA subscription application information (Certificate of Deposit) CD information, repurchase agreements (RP) or MMF (Money Market Funds) comprising at least one or more of the product information, the beneficiary information, characterized in that the financial account information is generated.

Herein, the financial account information may include an account number and an interest rate information corresponding to the FNA opened based on the FNA subscription application information. When the FNA includes a savings attribute, a predetermined subscription period and It is preferable that the payment date and payment amount information is further included.

The account opening unit 240 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 120 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the predetermined FNA subscription information. In addition to the bank transactions provided by the bank, a predetermined financial account for receiving a financial transaction service including at least one or more, such as a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, is opened.

According to an exemplary embodiment of the present invention, when the financial company server 285 and the financial system 120 exist in the same system, the account opening unit 240 is connected to the financial system 120 in a ledger D / B. Preferably, at 275, a predetermined account ledger including financial account information is generated.

According to another exemplary embodiment of the present invention, when the financial company server 285 and the financial system 120 exist on another system connected through a predetermined communication means, the account opening unit 240 may use predetermined communication means. It is preferable to request the ledger D / B 275 on the other financial system 120 to generate a predetermined account ledger including the financial account information through an external system on the financial system 120.

Referring to FIG. 2, the financial company server 285 provides the FNA subscription application information received through the information receiving unit 210 to a securities company other than the bank transaction provided by the predetermined bank through the validity checking unit 220. When the validity for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company is authenticated, the customer information and the transferable deposit included in the FNA subscription application information for which the validity is verified Storage medium containing FNA information including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or MMF (Money Market Funds), and at least one of beneficiary certificates. And an information storage unit 245 stored in 280.

When the validity of the FNA subscription application information is confirmed by the validity confirmation unit 220, the information storage unit 245 is a certificate of Deposit (CD) and the customer information included in the FNA subscription information (Certificate of Deposit; CD) Or FNA information including at least one or more of Repurchase Agreements (RP) or Money Market Funds (MMF), and FNA information including at least one beneficiary certificate information in the storage medium 280. It is done.

According to an exemplary embodiment of the present invention, when the storage medium 280 is provided in the financial company server 285 or on the network associated with the financial company server 285, the information storage unit 245 may be configured as described above. Product information, revenues including at least one of the above customer information and Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Preferably, the storage medium 280 stores FNA information including at least one stock information.

According to another embodiment of the present invention, when the storage medium 280 is provided in the DBMS provided on the financial system 120, the information storage unit 245 is the information contained in the received FNA subscription information At least one of customer information, account information, product information including at least one of Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) It is preferable to provide the FNA information to the information system through the external system on the financial system 120 to store in the DBMS provided on the financial system 120.

Referring to FIG. 2, an electronic document server 290 which receives a predetermined FNA electronic document from the financial institution server 285 provided on the FNA establishment system and stores and manages the predetermined FNA electronic document in a predetermined electronic document D / B 265. The electronic document receiver 250 receives a predetermined FNA electronic document from the financial institution server 285 through a predetermined communication means, and stores the received FNA electronic document in the electronic document D / B 265. An information generation unit 255 for generating predetermined electronic document management information for management, and an electronic document storing the electronic document management information and the FNA electronic document in a predetermined electronic document D / B 265 and storing the same; It is characterized by comprising a storage unit 260.

The electronic document receiving unit 250 may receive an FNA electronic document in the form of an image file and / or a document file from the financial institution server 285 through the communication means.

According to an exemplary embodiment of the present invention, the FNA electronic document received by the electronic document receiver 250 through the communication means includes an image including image content received by the financial institution server 285 from the terminal device 270. It is preferable to include the file as it is.

Alternatively, the FNA electronic document received by the electronic document receiver 250 through the communication means is included in the FNA subscription application information in the image content received by the financial institution server 285 from the terminal device 270. Information, account information, product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). It is preferable to include an image file corresponding to the image content included in the watermarking method.

According to another exemplary embodiment of the present invention, the FNA electronic document received by the electronic document receiver 250 through the communication means includes the image content received by the financial institution server 285 from the terminal device 270. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the FNA electronic document received by the electronic document receiving unit 250 through the communication means may include customer information included in the FNA subscription request information in the image content received by the financial institution server 285 from the terminal device 270. Water, at least one or more of the information of the product, the beneficiary certificate information, including at least one account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) including image content included in a watermarking method. File, or a web document file including MHT).

According to another embodiment of the present invention, the FNA electronic document received by the electronic document receiving unit 250 through the communication means is the image content received by the financial institution server 285 from the terminal device 270 and the A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the FNA subscription application information, or an MHT; Web document files, etc.).

Alternatively, the FNA electronic document received by the electronic document receiving unit 250 through the communication means may include customer information included in the FNA subscription request information in the image content received by the financial institution server 285 from the terminal device 270. Water, at least one or more of the information of the product, the beneficiary certificate information, including at least one account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content included in a watermarking method and the FNA subscription request information. And at least one word processor file or web document file including MHT).

The information generating unit 255 is a predetermined electronic document unique number (or unique information) to be assigned to the FNA electronic document received through the electronic document receiving unit 250, and the FNA electronic through the electronic document receiving unit 250 And generating electronic document management information including electronic document archiving date and time information including a date and time at which the document was received (or a date and time at which the FNA electronic document was stored).

According to an embodiment of the present invention, the information generating unit 255 transmits the FNA electronic document with reference to the financial institution server 285 that transmits the FNA electronic document received through the electronic document receiving unit 250. It is preferable to verify the bank and to generate electronic document management information further including the verified bank information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 285 through the electronic document receiving unit 250, the information generating unit 255 may receive the received electronic document. Document-related information (e.g., customer information for creating an FNA application corresponding to the image content, and / or bank information for transmitting the FNA electronic document, and / or electronic document file format information, and / or the FNA subscription application information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 260 processes the electronic document management information generated through the FNA electronic document received through the electronic document receiving unit 250 and the electronic document management information generated by the information generating unit 255 in a predetermined electronic document D / B. And to store at 265.

According to the exemplary embodiment of the present invention, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is received by the financial institution server 285 from the terminal device 270. It is preferable that the image file including the image content is included as it is.

Alternatively, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 subscribes to the FNA to the image content received by the financial institution server 285 from the terminal device 270. Merchandise information, beneficiary certificate information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the application information. It is preferable to include an image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is received by the financial institution server 285 from the terminal device 270. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may apply for the FNA subscription to the image content received by the financial institution server 285 from the terminal device 270. Product information, beneficiary information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the information. At least a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content including at least one or more information in a watermarking manner. And at least one word processor file or web document file including MHT).

According to another embodiment of the present invention, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the financial company server 285 from the terminal device 270 A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the received image content and the FNA subscription request information. File, or a web document file including MHT).

Alternatively, the FNA electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 subscribes to the FNA to the image content received by the financial institution server 285 from the terminal device 270. Merchandise information, beneficiary certificate information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the application information. Image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, etc.) including the FNA subscription request information, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 265 by the electronic document storage unit 260 in association with the FNA electronic document is allocated to the FNA electronic document. Preferably, a predetermined electronic document unique number (or unique information) 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 265 by the electronic document storage unit 260 in association with the FNA electronic document transmits the FNA electronic document. Preferably, the bank information further includes bank information for transmitting the FNA electronic document identified with reference to the financial institution server 285.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 285, the electronic document storage unit 260 processes the electronic document D in association with the FNA electronic document. The electronic document management information stored in the / B 265 may include the received electronic document related information (for example, customer information in which an FNA application form corresponding to the image content is prepared, and / or bank information for transmitting the FNA electronic document, And / or electronic document file format information, and / or FNA subscription application information, etc.).

3 is a diagram illustrating an implementation method in which a storage medium for storing FNA information corresponding to an FNA established in a face-to-face manner is provided in a DBMS on a financial system 120 according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a case in which the storage medium illustrated in FIG. 2 is the ledger D / B 275 provided in the DBMS on the financial system 120 or the ledger D / B 275. The information structure for one embodiment of the method of storing the FNA information in the ledger information provided in the ledger D / B (275), if the person of ordinary skill in the art to which the present invention belongs, Although various information construction methods for storing the FNA information in the ledger D / B 275 may be inferred by reference and / or modification, the present invention encompasses all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (275) provided in the DBMS on the financial system 120 is linked to a predetermined customer ledger, and the customer ledger The account ledger corresponding to the financial account opened through the FNA establishment system shown in FIG. 2 and at least one information associated with the account ledger are included. When grown up, the ledger D / B (275) provided in the DBMS on the financial system 120 has at least one ledger (for example, ledger, loan ledger, secured ledger, ... etc.) and / or at least one additional information for maintaining and managing the ledgers is also clearly understood, and specific technical details will be described. Since it will be understood, 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, area 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 relationally linked to the customer ledger, and correspond to the financial account, the account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 3, the storage medium is the ledger D / B 275, or includes an implementation method provided in the ledger D / B 275 according to an embodiment of the present invention. The above customer information and account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA enrollment application information provided through the illustrated FNA opening system. And FNA information including at least one product information and at least one beneficiary certificate information in the form of additional information added to the account ledger.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is the bank). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the FNA establishment system in response to the customer by subscribing as a financial transaction customer It is preferable to include at least one.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

According to another embodiment of the present invention, the FNA subscription application 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 (for example, the customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

Figure 4 is a storage medium 400 for storing FNA information corresponding to the FNA opened in a face-to-face according to another embodiment of the present invention and the ledger D / B (275) provided in the DBMS on the financial system 120 A diagram illustrating an implementation method including an associated database.

In more detail, FIG. 4 illustrates an embodiment in which the storage medium 400 illustrated in FIG. 2 includes a predetermined database linked to the ledger D / B 275 provided in the DBMS on the financial system 120. As shown in FIG. 4, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 to store the FNA information in a predetermined database with the ledger D / B 275. It will be able to infer a variety of information configuration method to be stored in a cooperative process, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 4, when it is not easy to store the FNA information in the ledger information of the ledger D / B 275 on the DBMS provided on the financial system 120 (for example, in the policy of the bank, the ledger of the DBMS). If it is not easy to change the D / B 275 or the system expansion is not easy due to the characteristics of the financial system 120), the FNA information is stored in a predetermined database instead of the ledger D / B 275. In addition, the embodiment of the method for storing the database and the ledger D / B (275) in a coordinated manner.

In addition, the database shown in FIG. 4 does not have to be provided on the DBMS provided on the financial system 120 as in the embodiment shown in FIG. 4, and the database on the Internet banking system according to the intention of those 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. 4, the storage medium 400 includes a database associated with the ledger D / B 275 provided in the DBMS on the financial system 120 according to another embodiment of the present invention. Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information. And storing FNA information including at least one beneficiary certificate information. The FNA information includes a CIF number corresponding to the ledger information in the FNA information to be processed in association with the ledger D / B 275. It is preferable that it further comprises.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is the bank). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 120 associated with the FNA establishment system in response to the customer by subscribing as a financial transaction customer It is preferable to include at least one.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

5 is a diagram illustrating an implementation method in which a storage medium 400 for storing FNA information corresponding to an FNA established in a face-to-face manner includes a DBMS provided in a banking server 500 according to another exemplary embodiment of the present invention. Drawing.

In more detail, FIG. 5 illustrates a predetermined banking system in which the storage medium 400 shown in FIG. 2 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 500, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer an information construction method for the FNA information stored in a predetermined DBMS provided in 500), the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

According to another exemplary embodiment of the present invention, referring to FIG. 5 in which the storage medium 400 includes a DBMS provided in the banking server 500, a predetermined DBMS provided in the banking server 500 may be Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information. And storing FNA information including at least one beneficiary certificate information.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is the bank's finance company). By registering as a transaction customer, at least member ID information or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 120 associated with the FNA establishment system in correspondence with the customer, etc. It is preferable to include one or more.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

6A and 6B illustrate a financial method including at least one banking transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to an exemplary embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving a transaction service.

6a and 6b show a terminal terminal in which a terminal device 270 on the FNA establishment system shown in FIG. 2 is provided at a bank branch (or a branch), and the financial company server 285 is a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system 120 associated with the teller terminal through, a securities transaction or a credit card company provided by a securities company in addition to a bank transaction provided by a predetermined bank. Customer Information, Account Information, Certificate of Deposit (CD) or Repurchase Agreements (RP) to establish a FNA to receive a financial transaction service that includes at least one credit card transaction, etc. ) Or FNA application form containing at least one product information or beneficiary certificate information including at least one MMF (Money Market Funds), The present invention relates to a system for opening and processing a FNA in a face-to-face manner based on the FNA application form. Specifically, when the customer completes the FNA application form and submits it to the window, the window terminal acquires a predetermined image acquisition device. After obtaining the predetermined image content corresponding to the FNA application through the financial company server 285, input (or select) the FNA subscription application information corresponding to the FNA application to the financial company server 285 If the financial company server 285 includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) An implementation method of opening and processing the FNA based on the FNA subscription application information including at least one information and a beneficiary certificate information; Shows.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the FNA subscription application information with the financial company server 285 at the teller terminal by referring to and / or modifying the figures 6a and 6b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 6a and 6b.

For example, although the method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the FNA application and storing it in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the FNA application through a predetermined image acquisition device. Although illustrated as being provided with a user interface for inputting (or selecting) FNA subscription application information corresponding to the FNA application from the financial institution server 285, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial institution server 285, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 285 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, in addition to a bank transaction provided by a given bank, a customer may provide a financial transaction service including at least one of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. At least one of customer information, account information, product information, beneficiary certificate information including at least one of Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). After completing and submitting the FNA application form including the above, the window terminal shown in FIG. 2 is connected to the server through a predetermined financial network and connected to the server, and connected to the predetermined communication channel, at a predetermined bank corresponding to the FNA application. In addition to bank transactions provided, write down securities transactions provided by securities companies or credit card transactions provided by credit card companies. When requesting a user interface for receiving a financial transaction service including one or more (600), the server corresponding to the predetermined image content corresponding to the FNA application written by the customer through a predetermined image acquisition device in the terminal Acquire and generate (or extract) a user interface for transmitting to the server (605), and transmits the generated (or extracted) user interface to the terminal through the financial network (610).

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

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

Thereafter, the server acquires customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) corresponding to the FNA application that matches the image content. Generate (or extract) a user interface for inputting (or selecting) FNA subscription information including at least one product information and at least one beneficiary certificate information to the server (630), and generating (630) the financial network. In operation 635, the generated (or extracted) user interface is transmitted to the terminal.

Thereafter, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the user interface. In operation 640, the FNA subscription application information including at least one of product information and beneficiary certificate information is input.

Product information, revenues including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface. When the FNA subscription application information including at least one or more securities information is input (or selected) (645), the terminal transmits the input (or selected) FNA subscription application information to the server through the financial network ( 650).

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the financial network. Receiving and reading the FNA subscription application information including at least one product information, beneficiary certificate information to confirm the validity of the FNA subscription application information (655).

According to an embodiment of the present invention, validation of the FNA subscription request information includes at least one ledger information matching the FNA subscription request information in the ledger D / B on the financial system 120 linked to the FNA establishment system. It is preferable to include checking whether it is registered.

For example, the validation of the FNA subscription request information is performed on the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA establishment system. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

If the validity of the FNA subscription request information is not authenticated (660), the server generates predetermined financial account error information and transmits it to the terminal (665), and the FNA establishment procedure corresponding to the FNA subscription request information. Do not do it.

On the other hand, if the validity of the FNA subscription request information is authenticated (660), the server generates a predetermined FNA electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 270 through the image receiving unit 215, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) In addition to the banking transaction provided by the predetermined bank, the image file corresponding to the image content included in the bank may be provided with a financial transaction service including at least one or more of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. It is desirable to create a FNA electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 270 through the image receiving unit 215. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate an FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions provided by the company or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content. By generating a word processor file or a web document file including MHT). To generate an electronic document FNA for receiving the financial transaction services that include at least one stock exchange, or credit card transactions, such as provided by the credit card provided by the company are preferred.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 270 through the image receiving unit 215 and the FNA subscription request information received through the information receiving unit 210. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ) To generate an FNA electronic document for receiving a financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is desirable to.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) A predetermined image file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and including the generated image content and the FNA subscription information. Generating a word processor file including at least one DOC or the like, or a web document file including an MHT). In addition to the bank to generate FNA electronic documents for receiving the credit card transactions, such as provided by the SEC or the credit card companies to provide banking services in the securities comprising at least one desirable that.

Those skilled in the art to which the present invention pertains may include technical features of the server generating an FNA electronic document in an image file format and / or a predetermined document file format, an image file corresponding to the FNA electronic document, and You will be familiar with the technical features of the file format for document files, so the detailed description is omitted for convenience.

Thereafter, the server stores the generated FNA electronic document in a predetermined electronic document storage (675).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 290 and an electronic document D / B 265 connected to a server on the FNA establishment system through predetermined communication means. When provided, the server preferably transmits the generated FNA electronic document to the electronic document server 290 through the communication means to store in the electronic document D / B (265).

Or, if the electronic document storage is provided on a DBMS provided in the FNA establishment system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the FNA establishment system to the generated FNA electronic document It is possible to store in / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the FNA electronic document in the electronic document storage is performed by linking the generated FNA electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing at 265.

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

The electronic document management information may further include bank information that transmits the FNA electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating an FNA application form corresponding to the image content, and / or bank information for transmitting the FNA electronic document, and / or electronic document file format). Information, and / or the FNA subscription application information).

If the FNA electronic document is stored in the electronic document repository (680), the server is a customer information, account information, certificate of Deposit (CD) or repurchase condition included in the FNA subscription application information (Repurchase) The financial account information is generated based on product information and beneficiary certificate information including at least one of Agreements (RP) or Money Market Funds (MMF) (685).

Herein, the financial account information may include an account number and an interest rate information corresponding to the FNA opened based on the FNA subscription application information. When the FNA includes a savings attribute, a predetermined subscription period and It is preferable that the payment date and payment amount information is further included.

Thereafter, the server is linked with the financial system 120, the customer information, account information, certificate of Deposit (CD) or Repurchase Agreements (RP) included in the FNA subscription information. Or (690) opening a financial account under the customer's name including the financial account information based on product information and beneficiary certificate information including at least one MMF (Money Market Funds).

According to the method of the present invention, the server generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 120 (or matched with the customer information, the customer is already provided Check the ledger), generate predetermined ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the FNA subscription application information. Opening a predetermined financial account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank; It is done.

According to an embodiment of the present invention, when the server and the financial system 120 exist in the same system, the server includes the financial account information in the ledger D / B in association with the financial system 120. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system 120 exist on another system connected through a predetermined communication means, the server is located on the financial system 120 through a predetermined communication means. It is preferable to request the ledger D / B on the other financial system 120 to generate a predetermined ledger including the financial account information through the external system.

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) included in the FNA subscription application information. The FNA information including at least one product information and beneficiary information included above is generated and stored in the predetermined storage medium 400 (695).

According to an exemplary embodiment of the present invention, when the storage medium 400 is provided in the server or on a network associated with the server, the server may include the customer information included in the received FNA subscription request information. FNA information, including account information, product information including at least one Certificate of Deposit (CD), repurchase agreements (RP), or money market funds (MMF), and at least one beneficiary information; It is preferable to store in the storage medium 400.

According to another embodiment of the present invention, when the storage medium 400 is provided in the DBMS provided on the financial system 120, the server includes the customer information and the account information included in the received FNA subscription information. The FNA information including at least one product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF); It is preferable to provide the information system through the external system on the financial system 120 and store it in the DBMS provided on the financial system 120.

Thereafter, the server establishes predetermined financial account opening history information (eg, the FNA opening history, and / or the history of storing the FNA electronic document in the electronic document repository, and / or the FNA subscription to the storage medium 400). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 400 is preferably provided in a DBMS on the financial system 120 provided on the FNA establishment system (or associated with the FNA establishment system), wherein The storage medium 400 may be a ledger D / B provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 400 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving financial transaction services.

7A and 7B show a terminal terminal in which a terminal device 270 on the FNA establishment system shown in FIG. 2 is provided at a bank branch (or a branch), and the financial company server 285 is a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system 120 associated with the teller terminal through, a securities transaction or a credit card company provided by a securities company in addition to a bank transaction provided by a predetermined bank. Customer Information, Account Information, Certificate of Deposit (CD) or Repurchase Agreements (RP) to establish a FNA to receive a financial transaction service that includes at least one credit card transaction, etc. ) Or FNA application form containing at least one product information or beneficiary certificate information including at least one MMF (Money Market Funds) The present invention relates to a system for opening and processing a FNA in a face-to-face manner based on the FNA application form. After inputting (or selecting) FNA subscription request information to the financial institution server 285, the predetermined image content corresponding to the FNA application is obtained through a predetermined image acquisition device and transmitted to the financial institution server 285. The product includes at least one of the customer information, the account information, the Certificate of Deposit (CD), the Repurchase Agreements (RP), or the Money Market Funds (MMF) in the financial company server 285. An implementation method of opening and processing the FNA based on the FNA subscription application information including at least one information and a beneficiary certificate information; Shows.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the FNA subscription application information with the financial company server 285 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 7a and 7b.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the FNA application and storing it in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the FNA application through a predetermined image acquisition device. Although illustrated as being provided with a user interface for inputting (or selecting) FNA subscription application information corresponding to the FNA application from the financial institution server 285, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial institution server 285, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as a "terminal" for convenience, and the financial company server 285 shown in Figure 2 is referred to as a "server" for convenience, and the said window terminal Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) sent to the financial company server 285 The beneficiary certificate information is referred to as "FNA subscription application information" for convenience.

Referring to FIGS. 7A and 7B, a financial transaction service including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank, is provided by a predetermined customer. At least one product information, beneficiary certificate information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) to be provided. When a FNA application form including one or more is prepared and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to a predetermined bank corresponding to the FNA application. In addition to bank transactions provided by the Bank, write securities transactions provided by securities companies or credit card transactions provided by credit card companies. When requesting a user interface for receiving a financial transaction service including one or more (700), in response, the server corresponding to the customer information, account information, certificate of transfer (Certificate of Deposit) corresponding to the FNA application prepared by the customer; The server by inputting (or selecting) product information including at least one CD or repurchase agreements (RP) or money market funds (MMF), and FNA subscription application information including at least one beneficiary certificate. A user interface for transmitting to the terminal is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the user interface. In operation 715, the FNA subscription application information including at least one of product information and beneficiary certificate information is input.

Product information, revenues including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface. When the FNA subscription application information including at least one or more securities information is input (or selected) (720), the terminal transmits the input (or selected) FNA subscription application information to the server through the financial network (725) ).

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the financial network. Receiving and reading the FNA subscription application information including at least one product information, beneficiary certificate information to verify the validity of the FNA subscription application information (730).

According to an embodiment of the present invention, validation of the FNA subscription request information includes at least one ledger information matching the FNA subscription request information in the ledger D / B on the financial system 120 linked to the FNA establishment system. It is preferable to include checking whether it is registered.

For example, the validation of the FNA subscription request information is performed on the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA establishment system. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

If the validity of the FNA subscription request information is not authenticated (735), the server generates predetermined financial account error information and transmits it to the terminal (740), and establishes an FNA establishment procedure corresponding to the FNA subscription request information. Do not perform.

On the other hand, if the validity of the FNA subscription request information is authenticated (735), the server acquires the predetermined image content corresponding to the FNA application written by the customer through a predetermined image acquisition device in the terminal and transmits it to the server. A user interface is generated (or extracted) for the user interface (745), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output (750).

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

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

The server receiving the FNA subscription request information and the image content from the terminal generates a predetermined FNA electronic document including the image content (770).

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 270 through the image receiving unit 215, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) In addition to the banking transaction provided by the predetermined bank, the image file corresponding to the image content included in the bank may be provided with a financial transaction service including at least one or more of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. It is desirable to create a FNA electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 270 through the image receiving unit 215. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate an FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions provided by the company or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content. By generating a word processor file or a web document file including MHT). To generate an electronic document FNA for receiving the financial transaction services that include at least one stock exchange, or credit card transactions, such as provided by the credit card provided by the company are preferred.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 270 through the image receiving unit 215 and the FNA subscription request information received through the information receiving unit 210. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ) To generate an FNA electronic document for receiving a financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is desirable to.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) A predetermined image file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and including the generated image content and the FNA subscription information. Generating a word processor file including at least one DOC or the like, or a web document file including an MHT). In addition to the bank to generate FNA electronic documents for receiving the credit card transactions, such as provided by the SEC or the credit card companies to provide banking services in the securities comprising at least one desirable that.

Those skilled in the art to which the present invention pertains may include technical features of the server generating an FNA electronic document in an image file format and / or a predetermined document file format, an image file corresponding to the FNA electronic document, and You will be familiar with the technical features of the file format for document files, so the detailed description is omitted for convenience.

Thereafter, the server stores the generated FNA electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 290 and an electronic document D / B 265 connected to a server on the FNA establishment system through predetermined communication means. When provided, the server preferably transmits the generated FNA electronic document to the electronic document server 290 through the communication means to store in the electronic document D / B (265).

Or, if the electronic document storage is provided on a DBMS provided in the FNA establishment system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the FNA establishment system to the generated FNA electronic document It is possible to store in / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the FNA electronic document in the electronic document storage is performed by linking the generated FNA electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing at 265.

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

The electronic document management information may further include bank information that transmits the FNA electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating an FNA application form corresponding to the image content, and / or bank information for transmitting the FNA electronic document, and / or electronic document file format). Information, and / or the FNA subscription application information).

If the FNA electronic document is stored in the electronic document repository (780), the server includes the customer information, account information, Certificate of Deposit (CD) or repurchase conditional debt included in the FNA subscription application information. The financial account information is generated based on product information and beneficiary information including at least one of Agreements (RP) or Money Market Funds (MMF) (785).

Herein, the financial account information may include an account number and an interest rate information corresponding to the FNA opened based on the FNA subscription application information. When the FNA includes a savings attribute, a predetermined subscription period and It is preferable that the payment date and payment amount information is further included.

Thereafter, the server is linked with the financial system 120, the customer information, account information, certificate of Deposit (CD) or Repurchase Agreements (RP) included in the FNA subscription information. Alternatively, a financial account of the customer's name including the financial account information is opened based on the product information and the beneficiary certificate information including at least one MMF (Money Market Funds) (790).

According to the method of the present invention, the server generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 120 (or matched with the customer information, the customer is already provided Check the ledger), generate predetermined ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the FNA subscription application information. Opening a predetermined financial account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank; It is done.

According to an embodiment of the present invention, when the server and the financial system 120 exist in the same system, the server includes the financial account information in the ledger D / B in association with the financial system 120. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system 120 exist on another system connected through a predetermined communication means, the server is located on the financial system 120 through a predetermined communication means. It is preferable to request the ledger D / B on the other financial system 120 to generate a predetermined ledger including the financial account information through the external system.

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) included in the FNA subscription application information. The FNA information including at least one of the merchandise information and the beneficiary certificate information is generated and stored in the predetermined storage medium 400 (S795).

According to an exemplary embodiment of the present invention, when the storage medium 400 is provided in the server or on a network associated with the server, the server may include the customer information included in the received FNA subscription request information. FNA information, including account information, product information including at least one Certificate of Deposit (CD), repurchase agreements (RP), or money market funds (MMF), and at least one beneficiary information; It is preferable to store in the storage medium 400.

According to another embodiment of the present invention, when the storage medium 400 is provided in the DBMS provided on the financial system 120, the server includes the customer information and the account information included in the received FNA subscription information. The FNA information including at least one product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF); It is preferable to provide the information system through the external system on the financial system 120 and store it in the DBMS provided on the financial system 120.

Thereafter, the server establishes predetermined financial account opening history information (eg, the FNA opening history, and / or the history of storing the FNA electronic document in the electronic document repository, and / or the FNA subscription to the storage medium 400). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (799).

According to one embodiment of the invention, the storage medium 400 is preferably provided in a DBMS on the financial system 120 provided on the FNA establishment system (or associated with the FNA establishment system), wherein The storage medium 400 may be a ledger D / B provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 400 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

8A and 8B include at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a FNA establishment process for receiving a financial transaction service.

In more detail, FIGS. 8A and 8B are window terminals in which a terminal device 270 on the FNA establishment system shown in FIG. 2 is provided at a bank branch (or a branch), and the financial institution server 285 is a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system 120 associated with the teller terminal through, a securities transaction or a credit card company provided by a securities company in addition to a bank transaction provided by a predetermined bank. Customer Information, Account Information, Certificate of Deposit (CD) or Repurchase Agreements (RP) to establish a FNA to receive a financial transaction service that includes at least one credit card transaction, etc. ) Or FNA application form containing at least one product information or beneficiary certificate information including at least one MMF (Money Market Funds) The present invention relates to a system for opening and processing a FNA in a face-to-face manner based on the FNA application form. After obtaining predetermined image contents corresponding to the FNA application form, inputting (or selecting) FNA subscription application information corresponding to the FNA application form, the financial company server 285 using the image content and the FNA subscription application information. The customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) at the financial institution server 285. Open the FNA based on the FNA subscription information including at least one product information and beneficiary information; It illustrates an exemplary method.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the FNA subscription application information with the financial company server 285 at the teller terminal by referring to and / or modified in this figure 8a and 8b. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in the Figures 8a and 8b.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the FNA application and storing it in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 8A and 8B including the process of generating and storing the electronic document, the window terminal acquires predetermined image contents corresponding to the FNA application through a predetermined image acquisition device. Although illustrated as being provided with a user interface for inputting (or selecting) FNA subscription application information corresponding to the FNA application from the financial institution server 285, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial institution server 285, and the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 2 in FIG. 8A and FIG. 8B will be referred to as "terminal" for convenience, and the financial company server 285 shown in FIG. 2 will be referred to as "server" for convenience. Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) sent to the financial company server 285 The beneficiary certificate information is referred to as "FNA subscription application information" for convenience.

Referring to FIGS. 8A and 8B, a financial transaction service including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank, is provided by a predetermined customer. At least one product information, beneficiary certificate information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) to be provided. When a FNA application form including one or more is prepared and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to a predetermined bank corresponding to the FNA application. In addition to bank transactions provided by the Bank, write securities transactions provided by securities companies or credit card transactions provided by credit card companies. When requesting a user interface for receiving a financial transaction service including one or more (800), in response, the server inputs (or selects) FNA subscription application information corresponding to the FNA application prepared by the customer in the terminal. And generating (or extracting) a user interface for acquiring and transmitting predetermined image content corresponding to the FNA application to the server through a predetermined image obtaining apparatus (805), and generating (or extracting) through the financial network. In operation 810, the user interface is transmitted to the terminal.

Thereafter, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the user interface. In operation 815, FNA subscription application information including at least one of product information and beneficiary certificate information is input.

Product information, revenues including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface. When the FNA subscription application information including at least one or more securities information is input (or selected) (820), the terminal acquires image content corresponding to the FNA application through a predetermined image acquisition device based on the user interface. (825).

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

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the financial network. The FNA subscription application information including at least one of product information and beneficiary certificate information is received and read to check the validity of the FNA subscription application information (840).

According to an embodiment of the present invention, the validity confirmation of the FNA subscription information is at least one ledger information matching the FNA entry information in the ledger D / B on the financial system 120 associated with the FNA establishment system It is preferable to include checking whether is registered.

For example, the validation of the FNA subscription request information is performed on the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA establishment system. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

If the validity of the FNA subscription request information is not authenticated (845), the server generates predetermined financial account error information and transmits it to the terminal (850), and establishes an FNA establishment procedure corresponding to the FNA subscription request information. Do not perform.

On the other hand, if the validity of the FNA subscription request information is authenticated (845), the server generates a predetermined FNA electronic document including the image content (855).

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 270 through the image receiving unit 215, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) In addition to the banking transaction provided by the predetermined bank, the image file corresponding to the image content included in the bank may be provided with a financial transaction service including at least one or more of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. It is desirable to create a FNA electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 270 through the image receiving unit 215. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate an FNA electronic document for receiving a financial transaction service including at least one or more of securities transactions provided by the company or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content. By generating a word processor file or a web document file including MHT). To generate an electronic document FNA for receiving the financial transaction services that include at least one stock exchange, or credit card transactions, such as provided by the credit card provided by the company are preferred.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the terminal device 270 through the image receiving unit 215 and the FNA subscription request information received through the information receiving unit 210. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ) To generate an FNA electronic document for receiving a financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is desirable to.

Alternatively, the server may include customer information, account information, and transferability included in the FNA subscription request information received through the information receiver 210 in the image content received from the terminal device 270 through the image receiver 215. Watermarking method of at least one of information on goods, beneficiary certificates including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) A predetermined image file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and including the generated image content and the FNA subscription information. Provided by the predetermined bank by generating a word processor file including at least one or more DOC, or a web document file including MHT) In addition to the banking transactions, it is preferable to generate a FNA electronic document for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company.

Those skilled in the art to which the present invention pertains may include technical features of the server generating an FNA electronic document in an image file format and / or a predetermined document file format, an image file corresponding to the FNA electronic document, and You will be familiar with the technical features of the file format for document files, so the detailed description is omitted for convenience.

Thereafter, the server stores the generated FNA electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 290 and an electronic document D / B 265 connected to a server on the FNA establishment system through predetermined communication means. When provided, the server preferably transmits the generated FNA electronic document to the electronic document server 290 through the communication means to store in the electronic document D / B (265).

Or, if the electronic document storage is provided on a DBMS provided in the FNA establishment system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the FNA establishment system to the generated FNA electronic document It is possible to store in / B 265, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the FNA electronic document in the electronic document storage is performed by linking the generated FNA electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing at 265.

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

The electronic document management information may further include bank information that transmits the FNA electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating an FNA application form corresponding to the image content, and / or bank information for transmitting the FNA electronic document, and / or electronic document file format). Information, and / or the FNA subscription application information).

If the FNA electronic document is stored in the electronic document storage (865), the server is a customer information, account information, certificate of Deposit (CD) or repurchase condition included in the FNA subscription application information (Repurchase) The financial account information is generated based on product information and beneficiary information including at least one of Agreements (RP) or Money Market Funds (MMF) (870).

Herein, the financial account information may include an account number and an interest rate information corresponding to the FNA opened based on the FNA subscription application information. When the FNA includes a savings attribute, a predetermined subscription period and It is preferable that the payment date and payment amount information is further included.

Thereafter, the server is connected to the financial system 120, the customer information, account information, certificate of Deposit (CD) or Repurchase Agreements (RP) included in the FNA subscription application information or A financial account of the customer's name including the financial account information is opened based on the product information and the beneficiary certificate information including at least one MMF (Money Market Funds) (875).

According to the method of the present invention, the server generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 120 (or matched with the customer information, the customer is already provided Check the ledger), generate predetermined ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the FNA subscription application information. Opening a predetermined financial account for receiving a financial transaction service including at least one of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank; It features.

According to an embodiment of the present invention, when the server and the financial system 120 exist in the same system, the server includes the financial account information in the ledger D / B in association with the financial system 120. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system 120 exist on another system connected through a predetermined communication means, the server is located on the financial system 120 through a predetermined communication means. It is preferable to request the ledger D / B on the other financial system 120 to generate a predetermined ledger including the financial account information through the external system.

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) included in the FNA subscription application information. The FNA information including at least one of the product information and the beneficiary information included above is generated and stored in the predetermined storage medium 400 (880).

According to an exemplary embodiment of the present invention, when the storage medium 400 is provided in the server or on a network associated with the server, the server may include the customer information included in the received FNA subscription request information. FNA information, including account information, product information including at least one Certificate of Deposit (CD), repurchase agreements (RP), or money market funds (MMF), and at least one beneficiary information; It is preferable to store in the storage medium 400.

According to another embodiment of the present invention, when the storage medium 400 is provided in the DBMS provided on the financial system 120, the server includes the customer information and the account information included in the received FNA subscription information. The FNA information including at least one product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF); It is preferable to provide the information system through the external system on the financial system 120 and store it in the DBMS provided on the financial system 120.

Thereafter, the server establishes predetermined financial account opening history information (eg, the FNA opening history, and / or the history of storing the FNA electronic document in the electronic document repository, and / or the FNA subscription to the storage medium 400). The details of storing the application information) are generated (or extracted) and transmitted to the terminal (885).

According to one embodiment of the invention, the storage medium 400 is preferably provided in a DBMS on the financial system 120 provided on the FNA establishment system (or associated with the FNA establishment system), wherein The storage medium 400 may be a ledger D / B provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 400 is provided on (or associated with) an FNA establishment system, an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

9 is provided with a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to another embodiment of the present invention. A diagram illustrating a non-face to face FNA account opening system.

More specifically, in Figure 9, a given customer can access a given customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or MMF (interface) through a given financial account opening interface. If the bank provides the product information including at least one Money Market Funds) and FNA subscription application information including at least one beneficiary certificate information to the bank, the bank provides the bank information based on the FNA subscription application information. Open a FNA account for receiving financial transaction services including at least one securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to banking transactions, and provide FNA information for managing the FNA account. As a system configuration for storing in a predetermined storage medium 980, the present invention belongs to Those skilled in the art may refer to and / or modify this drawing to include at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by predetermined banks. Various implementation methods for constructing a FNA account opening system for receiving a financial transaction service 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.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9 to construct an FNA account opening system, omitting the method of storing the FNA account electronic document in the electronic document repository. In addition, in the case where the FNA account electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 9, the electronic document storage is provided in a DBMS located in the FNA account opening system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the FNA account electronic document is described as being generated on the server side on the FNA account opening system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the FNA subscription request information and transmits the information (eg, the electronic document generation function provided on the server side to generate the FNA account electronic document). The present invention is not limited thereto.

Hereinafter, receiving the FNA subscription application information from the customer through a predetermined financial account opening interface on the FNA account opening system shown in FIG. 9, the customer opens the FNA account, and corresponds to a predetermined FNA account. Components corresponding to at least one or more means and / or functional configurations for generating electronic documents and storing them in a predetermined electronic document repository are referred to as " financial company server 985 " for convenience.

Referring to this figure 9 according to the embodiment of the present invention, in addition to the bank transaction provided by the predetermined bank, a financial transaction including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, etc. The FNA account opening system for receiving the service is characterized in that it comprises a terminal device 970 including at least one or more of the client terminal including at least one wired terminal and / or wireless terminal used by the customer, The terminal device 970 is connected to the communication company server 985 provided on the FNA account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 985 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, A financial transaction including at least one or more securities transactions provided by a securities company or credit card transactions provided by a credit card company in addition to the bank transactions provided by the predetermined bank through at least one user interface provided by the financial company server 985. When the user inputs (or selects) FNA subscription application information for receiving a service, it is preferable that the client terminal transmits to the financial company server 985 provided on the FNA account opening system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 970 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 970 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 970 connected to an x-based mobile Internet and / or all terminal devices 970 connected to an IEEE 802.11x-based wireless LAN, and 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 A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

Further, the financial company server 985 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 a separate web server for registering the information.

The network means for connecting the client terminal and the financial institution server 985 may be a CDMA based (and / or HSDPA based) mobile communication network and / or an IEEE 802.16x based portable device according to a wireless communication network type to which the client terminal is connected. It is preferable that any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 985, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 985. It is preferable that a function configuration (e.g., a browser program and communication function or a predetermined communication program and communication function to communicate with the financial institution server 985) 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 FNA account opening system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server (985) and And / or the wireless communication network joins the FNA to receive a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. Act as a financial account opening interface for registering application information.

According to another exemplary embodiment of the present invention, the terminal device 970 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a bank may be further included, whereby the present invention is not limited.

In the FNA account opening system as described above, when the terminal device 970 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( 985) the financial network connecting the customer to receive a financial transaction service including at least one or more of the bank transaction provided by the predetermined bank, including securities transactions provided by securities companies, or credit card transactions provided by credit card companies, etc. And performs a function of a financial account opening interface for registering FNA subscription application information, and / or when the terminal device 970 is the call terminal (not shown), the call terminal (not shown) and the call terminal. (Not shown) and a wired telephone network and / or a wireless telephone network connecting the financial company server 985 are banks provided by the customer at the predetermined bank. In addition, it performs a function of a financial account opening interface for registering FNA subscription application information to receive a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, and And / or a terminal (and / or server) (not shown) provided in an institution associated with the bank, which is the terminal device 970, (not shown), and the terminal (and / or server) (not shown) and the terminal (and / Or server) (not shown) and the network connecting the financial company server 985 to the securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. To perform the function of the financial account opening interface for registering the FNA subscription application information in order to receive financial transaction services including at least one or more services. All.

The storage medium 980 provided on the FNA account opening system according to the present invention includes the customer information, account information, and certificate of deposit included in the FNA subscription application information provided from the terminal device 970. CD) or Repurchase Agreements (RP) or MMF (Money Market Funds) product information including at least one, and FNA information including at least one or more beneficiary information.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 120 associated with the FNA account opening system corresponding to the customer is at least included. It is preferable to include one or more.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

According to one embodiment of the invention, the storage medium 980 is preferably provided in a DBMS on the financial system 120 provided on the FNA account opening system (or associated with the FNA account opening system), In this case, the storage medium 980 may be a ledger D / B 975 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 980 is provided on (or associated with) an FNA account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

The financial company server 985 provided on the FNA account opening system according to the present invention is a generic term for the components of the FNA account opening system side connected to the terminal apparatus 970 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 970 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 financial institution server 985 may be configured as described above. 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 access to the external system of the financial system 120 through the internet banking system. A foreign system on the financial system 120 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 120, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 985 may be configured on the wireless banking system. Any server (or device) provided at a predetermined wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 120 through the wireless banking system. A server provided in the external system on the financial system 120 accessible to the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external system on the financial system 120, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 985 may be configured on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial system 120 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 120, and / or a program provided in the external system on the financial system 120, thereby limiting the present invention. No.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial company server 985 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 120 through the TV banking system ( Or a device), a program included in the server (or device), and / or in the external system on the financial system 120 accessible through the TV 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 120, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial company server 985 includes an interface unit 900 for connecting and managing a predetermined communication channel with the terminal device 970 through the network means.

According to an embodiment of the present invention, when the terminal device 970 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 900 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a 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 900 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 financial institution server 985, the interface unit 900 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a financial automation device connected to a predetermined financial network, the interface unit 900 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal apparatus 970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 900 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for 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 900 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 financial institution server 985, the interface unit 900 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 900 may connect the wired telephone network and / or wirelessly. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 900 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 exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 900 includes a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, when a predetermined terminal device 970 connects a predetermined communication channel with the financial institution server 985 through the interface unit 900, the financial institution server 985 is connected to the financial institution server 985. Input predetermined FNA subscription information in the terminal device 970 to receive a financial transaction service including at least one of a securities transaction provided by a securities company, a credit card transaction provided by a credit card company, etc. Generate (or extract) at least one user interface to transmit (or select) to the financial institution server 985, and generate the generated (or extracted) user interface in association with the interface unit 900. The interface providing unit 905 provided to the unit 970 and the terminal apparatus 970 enter the FNA subscription application information through the user interface. If the transmitted (or select), characterized in that formed by an information reception section 910 for receiving the FNA subscription request information transmitted from the terminal apparatus 970 in association with the interface unit 900.

The interface providing unit 905 connects a predetermined communication channel with the financial institution server 985 through the interface unit 900, and then connects the predetermined bank to the financial institution server 985. In addition to the bank transaction provided by the request for a user interface for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, the terminal device 970 Generate (or select) at least one user interface for inputting (or selecting) FNA subscription request information of the FNA to the financial institution server 985 via the network means, and / or extracting from a predetermined database (not shown), The generated (or extracted) user interface in conjunction with the interface unit 900 is uploaded through the network means. It characterized in that it provides to the terminal device (970).

According to an embodiment of the present invention, when the terminal device 970 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 905 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a financial automation device connected to a predetermined financial network, the interface providing unit 905 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus 970 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 905 includes 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 900.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 905 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as a user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 900 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 970 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 905 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 900. .

According to another exemplary embodiment of the present invention, the terminal apparatus 970 includes at least one user interface for inputting (or selecting) predetermined FNA subscription request information to the financial institution server 985 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined FNA subscription application information as described above to be transmitted to the financial institution server 985 is generated (or extracted) and the terminal apparatus ( The interface providing unit 905 provided to the device 970 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 970 receives at least the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface. Enter (or select) FNA subscription application information including at least one product information and at least one beneficiary certificate information, and input the (or selected) FNA subscription application information through the network means to the financial company server 985. In response thereto, the information receiving unit 910 receives the FNA subscription request information transmitted from the terminal device 970 in association with the interface unit 900.

According to an embodiment of the present invention, the terminal device 970 may use the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). A predetermined password and / or security card information for confirming the validity of the FNA subscription application information in the financial institution server 985 in the FNA subscription application information including at least one product information and at least one beneficiary certificate information. And / or at least one or more OTP codes generated through a predetermined one time password (OTP) generator to transmit to the financial institution server 985 via the network means.

According to an embodiment of the present invention, the terminal device 970 may use the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope including FNA subscription information including at least one product information and at least one beneficiary certificate information). Based encryption method, and / or key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the FNA subscription application information to transmit to the financial institution server 985 via the network means. To this end, the terminal device 970 has at least one encryption key corresponding to the encryption scheme, and / or at least If a predetermined public certificate including one or more encryption keys is provided, and / or the public certificate is provided on a predetermined IC chip (or IC card), the public certificate provided on the IC chip (or IC card) is provided. It is preferable that a card reader for checking is provided.

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

Referring to FIG. 9, when the FNA subscription request information transmitted from the terminal device 970 is received through the information receiving unit 910, the financial institution server 985 receives the FNA subscription request information. In addition to the bank transactions provided by the bank, a validity verification unit 920 that checks whether the securities transaction provided by the securities company or the financial transaction service including at least one or more credit card transactions provided by the credit card company is satisfied. It is characterized by comprising.

According to an embodiment of the present invention, the FNA subscription request information includes 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 confirming unit 920 may convert the encrypted FNA subscription request information to at least one decryption method (eg, a symmetric key-based decryption method and / or a corresponding device). It is preferable to authenticate the validity of the received FNA subscription application information by decrypting with a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the FNA subscription information, the validity verification unit 920 checks the electronic signature attached to the FNA subscription application information, thereby validating the validity of the received FNA subscription 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 FNA subscription information, and technical features for confirming an electronic signature attached to the FNA subscription information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the FNA subscription request information received through the information receiving unit 910 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the FNA subscription request information, the validity confirming unit 920 ) Compares and authenticates the password included in the FNA subscription request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received FNA subscription request information.

Alternatively, when the FNA subscription request information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the FNA subscription request information, the validity confirming unit 920 may include the It is preferable to authenticate the validity of the received FNA subscription application information by comparing and authenticating the received security card information included in the FNA subscription information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the FNA subscription request information received through the information receiving unit 910 further includes a predetermined OTP code for confirming the validity of the FNA subscription request information, the validity confirming unit 920 may determine the FNA. By comparing and authenticating the received OTP code included in the subscription 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 FNA subscription application information is verified. It is desirable to authenticate.

According to an embodiment of the present invention, the validation of the FNA subscription information is at least one matching the FNA subscription application information to the ledger D / B 975 on the financial system 120 associated with the FNA account opening system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the FNA subscription request information includes the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B (975) of the award.

Referring to FIG. 9, when the validity of the FNA subscription request information is authenticated through the validity confirming unit 920, the financial institution server 985 includes a predetermined FNA account electronic document including the received FNA subscription request information. It is characterized in that it comprises an electronic document generation unit 925 for generating a, and an electronic document transmission unit 930 for transmitting the generated FNA account electronic document to the electronic document storage associated with the FNA account opening system.

The electronic document generation unit 925 generates an FNA account electronic document including the FNA subscription request information received from the terminal device 970 through the information receiving unit 910.

According to one embodiment of the invention, the electronic document generation unit 925 is a customer information included in the FNA subscription application information received through the information receiving unit 910, account information, Certificate of Deposit (Certificate of Deposit; CD) Or document content including at least one product information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF), and beneficiary certificate information, and including the document content. (E.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Financial transactions that include at least one securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to bank transactions provided by It is preferable to process the FNA account electronic document to receive the service.

Alternatively, the electronic document generation unit 925 may include customer information, account information, certificate of deposit (CD) or repurchase condition debt included in the FNA subscription application information received through the information receiving unit 910. Agreements; RP) or merchandise information including at least one or more MMF (Money Market Funds), generating document content including at least one or more beneficiary information, customer information included in the FNA subscription application information in the document content, Watermarking at least one or more of account information, product information including at least one of Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) After including in a watermarking method, a document file (eg, a Portable Document Format (PDF) file or EDI (Electron) containing document content including the watermarking. ic Data Interchange) files, word processor files including at least one of HWP / DOC, or web document files including MHT, etc.); It is preferable to process a FNA account electronic document for receiving a financial transaction service including at least one or more credit card transactions provided by a credit card company.

Alternatively, the electronic document generation unit 925 may include customer information, account information, certificate of deposit (CD) or repurchase condition debt included in the FNA subscription application information received through the information receiving unit 910. Image content (eg, the capture) that generates document content including at least one product information including at least one of Agreements (RP) or Money Market Funds (MMF) and at least one beneficiary certificate information; At least one or more image files including document contents captured from the memory in the memory, including securities transactions provided by securities companies or credit card transactions provided by credit card companies, in addition to bank transactions provided by the predetermined banks. It is preferable to process the FNA account electronic document for receiving the financial transaction service.

Alternatively, the electronic document generation unit 925 may include customer information, account information, certificate of deposit (CD) or repurchase condition debt included in the FNA subscription application information received through the information receiving unit 910. Image content (eg, the capture) that generates document content including at least one product information including at least one of Agreements (RP) or Money Market Funds (MMF) and at least one beneficiary certificate information; Image content generated by capturing document contents in memory), customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or MMF (included in the FNA subscription application information). After including at least one or more information of the product information, beneficiary certificate information, including at least one Money Market Funds) by the watermarking method, A financial transaction service including at least one image file including image content including watermarking, in addition to a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is preferable to process the FNA account electronic document for receiving.

According to another exemplary embodiment of the present invention, the electronic document generating unit 925 may include customer information, account information, and certificate of deposit included in the FNA subscription application information received through the information receiving unit 910; CD) or Repurchase Agreements (RP) or MMF (Money Market Funds) to generate a document content containing at least one or more information, including information on beneficiary certificates, and capture the document content (Capture A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content in memory). By generating a word processor file including at least one of DOC or the like, or a web document file including MHT). In addition to processing transactions in securities trading provided by brokerage firms or credit card transactions, such as provided by the credit card company to FNA account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Alternatively, the electronic document generation unit 925 may include customer information, account information, certificate of deposit (CD) or repurchase condition debt included in the FNA subscription application information received through the information receiving unit 910. Image content (eg, the capture) that generates document content including at least one product information including at least one of Agreements (RP) or Money Market Funds (MMF) and at least one beneficiary certificate information; Image content generated by capturing document contents in memory), customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or MMF (included in the FNA subscription application information). Money Market Funds) including at least one or more information of the commodity information, beneficiary certificates information including watermarking method (Watermarking) Digital content, and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the image content including the watermarking. Generating a word processor file or a web document file including an MHT), and at least one of a bank transaction provided by the predetermined bank and at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company. It is advisable to process FNA account electronic documents for financial transaction services.

According to another embodiment of the present invention, the electronic document generating unit 925 is a customer information, account information, certificate of deposit included in the FNA subscription application information received through the information receiving unit 910 (Certificate of Deposit) CD content or repurchase agreements (RP) or MMF (Money Market Funds) to generate a document content including at least one product information, beneficiary information and at least one document content, and capture the document content ( A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data), which includes captured image content (e.g., image content generated by capturing the document content in memory) and the FNA subscription request information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). In addition to bank providing banking process from the definition of securities trading provided by brokerage firms or credit card transactions, such as provided by the credit card company to FNA account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Alternatively, the electronic document generation unit 925 may include customer information, account information, certificate of deposit (CD) or repurchase condition debt included in the FNA subscription application information received through the information receiving unit 910. Image content (e.g., generating document content including at least one or more merchandise information and beneficiary certificate information) including at least one or more Agreements (RP) or Money Market Funds (MMF), and capturing the document content (e.g., Image content generated by capturing the document content in memory), customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or MMF included in the FNA subscription application information. (Money Market Funds) that includes at least one or more information of the commodity information, beneficiary certificate information, including at least one by watermarking (Watermarking) method Digital content, and a document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content including the watermarking and the FNA subscription request information. A word processor file including at least one or a web document file including an MHT), a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. It is preferable to process the FNA account electronic document for receiving the financial transaction service including at least one or more.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 925 generating an FNA account electronic document in an image file format and / or a predetermined document file format, and the FNA account. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 930 is characterized in that for transmitting the FNA account electronic document generated by the electronic document generation unit 925 to a predetermined electronic document repository associated with the FNA account opening system.

As shown in FIG. 9, a predetermined electronic document server 990 and an electronic document D / B 965 in which the electronic document storage is linked with a financial company server 985 on the FNA account opening system through predetermined communication means. When provided externally, the electronic document transmission unit 930 transmits the FNA account electronic document generated by the electronic document generation unit 925 to the electronic document server 990 through the communication means. Characterized in that.

Here, when the electronic document server 990 and the electronic document D / B 965 are provided outside the FNA account opening system, the electronic document server 990 and the electronic document D / B 965 It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the FNA account opening system, the electronic document transmission unit 930 is generated by the electronic document generation unit 925. It is possible to store the FNA account electronic document in the electronic document D / B 965 corresponding to the electronic document storage on the DBMS provided in the FNA account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 930 may input electronic document related information (for example, the FNA subscription request information) for generating predetermined electronic document management information in the electronic document server 990 ( And (b) banking information for transmitting the FNA account electronic document, and / or electronic document file format information, and / or the FNA subscription application information). It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 9, the financial company server 985 provides the FNA subscription application information received through the information receiving unit 910 to a securities company other than the bank transaction provided by the predetermined bank through the validity checking unit 920. When the validity for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by a credit card company is authenticated, the customer information and account information included in the FNA subscription application information for which the validity is verified Generating the financial account information based on product information and beneficiary information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF); An information generating unit 935 and an account opening unit 940 for opening and processing a financial account of the customer's name including the financial account information. It characterized by comprising.

When the validity of the FNA subscription application information is confirmed by the validity confirmation unit 920, the information generation unit 935 is a customer information, account information, certificate of deposit included in the FNA subscription application information (Certificate of Deposit) CD information, repurchase agreements (RP) or MMF (Money Market Funds) comprising at least one or more of the product information, the beneficiary information, characterized in that the financial account information is generated.

Here, the financial account information preferably comprises an account number and interest rate information corresponding to the FNA account opened based on the FNA subscription application information, if the FNA account includes the savings attribute, a predetermined subscription It is preferable to further include the period, payment date and time and payment amount information.

The account opening unit 940 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 120 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the predetermined FNA subscription information. In addition to the bank transactions provided by the bank, a predetermined financial account for receiving a financial transaction service including at least one or more, such as a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, is opened.

According to an embodiment of the present invention, when the financial company server 985 and the financial system 120 exist in the same system, the account opening unit 940 is linked with the financial system 120 ledger D / B In 975, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial company server 985 and the financial system 120 exist on another system connected through a predetermined communication means, the account opening unit 940 may use predetermined communication means. It is preferable to request the ledger D / B 975 on the other financial system 120 to generate a predetermined account ledger including the financial account information through an external system on the financial system 120.

Referring to FIG. 9, the financial company server 985 provides the FNA subscription application information received through the information receiving unit 910 to a securities company other than the bank transaction provided by the predetermined bank through the validity checking unit 920. When the validity for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by a credit card company is authenticated, the customer information and account information included in the FNA subscription application information for which the validity is verified , FNA information including at least one product information including at least one Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF), and at least one beneficiary certificate information. And an information storage unit 945 for storing in the storage medium 980.

When the validity of the FNA subscription application information is confirmed by the validity confirmation unit 920, the information storage unit 945 stores the customer information, account information, and certificate of negotiable deposit included in the FNA subscription application information. Store FNA information in the storage medium 980 including at least one product information including at least one of a deposit (CD), repurchase agreements (RP) or money market funds (MMF), and at least one beneficiary information. Characterized in that.

According to an exemplary embodiment of the present invention, when the storage medium 980 is provided in the financial company server 985 or on the network associated with the financial company server 985, the information storage unit 945 may be configured as the storage medium 980. Products containing at least one of the above customer information and account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Preferably, the storage medium 980 stores FNA information including at least one of information and beneficiary certificates.

According to another exemplary embodiment of the present invention, when the storage medium 980 is provided in a DBMS provided on the financial system 120, the information storage unit 945 may include the information included in the received FNA subscription information. At least one of customer information, account information, product information including at least one of Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) It is preferable to provide the FNA information to the information system through the external system on the financial system 120 to store in the DBMS provided on the financial system 120.

Referring to FIG. 9, an electronic document server which receives a predetermined FNA account electronic document from the financial institution server 985 provided on the FNA account opening system and stores and manages it in a predetermined electronic document D / B 965 ( An electronic document receiving unit 950 for receiving a predetermined FNA account electronic document from the financial institution server 985 through a predetermined communication means, and the electronic document D / B 965 for receiving the received FNA account electronic document. An information generation unit 955 for generating predetermined electronic document management information for storage and management, and the electronic document management information and the FNA account electronic document in association with the predetermined electronic document D / B 965. It is characterized by comprising an electronic document storage unit 960 for storing.

The electronic document receiving unit 950 may receive an FNA account electronic document in the form of an image file and / or a document file from the financial institution server 985 through the communication means.

According to an embodiment of the present invention, the FNA account electronic document received by the electronic document receiving unit 950 through the communication means is FNA subscription application information received by the financial institution server 985 from the terminal device 970. At least one of customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) or money market funds (MMF) included in the A document file including one or more document 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 an MHT. Web document files, etc.).

Alternatively, the FNA account electronic document received by the electronic document receiver 950 through the communication means may include customer information and account information included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. In the document contents including at least one product information and at least one beneficiary certificate information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF). Product information, revenue, including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA Enrollment Application Information; After including at least one or more information of the stock information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, P A DF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

Alternatively, the FNA account electronic document received by the electronic document receiver 950 through the communication means may include customer information and account information included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. Document content including at least one product information, beneficiary certificate information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF); It is preferable to include an image file including captured image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the FNA account electronic document received by the electronic document receiver 950 through the communication means may include customer information and account information included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. Document content including at least one product information, beneficiary certificate information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF); Captured image contents (e.g., image contents generated by capturing the document contents in memory), customer information included in the FNA subscription application information, account information, Certificate of Deposit (CD) or redemption conditional. At least one or more of the product information and beneficiary information, including at least one or more repurchase agreements (RP) or money market funds (MMF) After including the emitter marking (Watermarking) manner, preferably it comprises an image file containing the image content that contains the watermark.

According to another embodiment of the present invention, the FNA account electronic document received by the electronic document receiving unit 950 through the communication means is FNA subscription application information received by the financial institution server 985 from the terminal device 970. At least one of customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) or money market funds (MMF) included in the A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) containing image content (e.g., image content generated by capturing the document content in memory) that captures one or more document contents. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to make.

Alternatively, the FNA account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account included in the FNA entry application information received by the financial institution server 985 from the terminal device 970. Document content including at least one information, a product information including at least one of a Certificate of Deposit (CD), a Repurchase Agreement (RP), or Money Market Funds (MMF); In the captured image contents (e.g., image contents generated by capturing the document contents in memory), customer information, account information, certificate of deposit (CD) or redemption included in the FNA subscription application information Information on at least one of product information and beneficiary certificate information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF). Generate image content including a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

According to another embodiment of the present invention, the FNA account electronic document received by the electronic document receiving unit 950 through the communication means, the FNA subscription application received by the financial company server 985 from the terminal device 970 Product information, beneficiary certificate information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the information. Image content (eg, image content generated by capturing the document content in a memory) that captures document content including at least one and a predetermined document file including the FNA subscription request information (eg, PDF (Portable) Document Format (DDI) files, Electronic Data Interchange (EDI) files, word processor files including at least one or more such as HWP / DOC, or MHT. It is preferred which comprises a web, such as a document file).

Alternatively, the FNA account electronic document received by the electronic document receiver 950 through the communication means may include customer information and account information included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. Document content including at least one product information, beneficiary certificate information including at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF); Captured image contents (e.g., image contents generated by capturing the document contents in memory), customer information included in the FNA subscription application information, account information, Certificate of Deposit (CD) or redemption conditional. At least one or more of the product information and beneficiary information, including at least one or more repurchase agreements (RP) or money market funds (MMF) Generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data) file including the watermarking image content and the FNA subscription request information). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

The information generating unit 955 is a predetermined electronic document unique number (or unique information) to be assigned to the FNA account electronic document received through the electronic document receiving unit 950, and the FNA via the electronic document receiving unit 950 And generating electronic document management information including electronic document storage date and time information including a date and time when the account electronic document was received (or a date and time at which the FNA account electronic document was stored).

According to an embodiment of the present invention, the information generating unit 955 refers to the financial institution server 985 which has transmitted the FNA account electronic document received through the electronic document receiving unit 950 to read the FNA account electronic document. It is preferable to confirm the transmitted bank and to generate electronic document management information further including the verified bank information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 950 further receives a predetermined electronic document related information from the financial company server 985, the information generating unit 955 is the received electronic Document-related information (e.g., customer information sent by entering (selecting) the FNA subscription application information, and / or bank information transmitting the FNA account electronic document, and / or electronic document file format information, and / or the FNA) It is preferable to generate electronic document management information further including subscription application information.

The electronic document storage unit 960 processes the electronic document management information generated through the FNA account electronic document received through the electronic document receiving unit 950 and the electronic document management information generated by the information generating unit 955, and the predetermined electronic document D / And to store in B965.

According to an exemplary embodiment of the present invention, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is received by the financial institution server 985 from the terminal device 970. Product information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in an FNA Enrollment Application Information; A document file including document contents including at least one beneficiary certificate 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 file including MHT).

Alternatively, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. At least one product information, beneficiary certificate information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) At least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information in the document contents including After including at least one or more information of the commodity information, including the beneficiary information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (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 an MHT). .

Alternatively, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. At least one product information, beneficiary certificate information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) It is preferable to include an image file including the image content (for example, the image content generated by capturing the document content in the memory) to capture the document content to include.

Alternatively, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. At least one product information, beneficiary certificate information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) Customer information, account information, certificate of deposit included in the FNA subscription application information in the image content (e.g., image content generated by capturing the document content in memory) including document content including the document content. At least one or more of product information and beneficiary information, including at least one of CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). After including the emitter marking (Watermarking) manner, preferably it comprises an image file containing the image content that contains the watermark.

According to another exemplary embodiment of the present invention, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 may be generated by the financial institution server 985 from the terminal device 970. Product information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. And a predetermined document file (eg, PDF (Portable Document) including image content captured by document content including at least one or more beneficiary certificates information (eg, image content generated by capturing the document content on a memory). Format file, or an EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it.

Alternatively, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. At least one product information, beneficiary certificate information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) Customer information, account information, certificate of deposit included in the FNA subscription application information in the image content (e.g., image content generated by capturing the document content in memory) including document content including the document content. At least one or more of product information and beneficiary information, including at least one of CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). Generate image content including a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

According to another exemplary embodiment of the present invention, the financial institution server 985 stores the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960. Products that contain at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA Enrollment Application Information received from A predetermined document file including image content (e.g., image content generated by capturing the document content in memory) and the FNA subscription request information. (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 MHT). Is preferably a web document file).

Alternatively, the FNA account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the FNA subscription request information received by the financial institution server 985 from the terminal device 970. At least one product information, beneficiary certificate information including at least one customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) Customer information, account information, certificate of deposit included in the FNA subscription application information in the image content (e.g., image content generated by capturing the document content in memory) including document content including the document content. At least one or more of product information and beneficiary information, including at least one of CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). Generating image content including a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data) including the watermarking image content and the FNA subscription information) Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to the method of the present invention, electronic document management information stored in the electronic document D / B 965 by the electronic document storage unit 960 in association with the FNA account electronic document is stored in the FNA account electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 965 by the electronic document storage unit 960 in association with the FNA account electronic document is stored in the FNA account electronic document. It is preferable that the banking information for transmitting the FNA account electronic document confirmed by referring to the financial institution server 985 that transmits is preferably made.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 985, the electronic document storage unit 960 processes the electronic document by linking with the FNA account electronic document. The electronic document management information stored in the D / B 965 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the FNA subscription request information and / or the FNA account electronic document). Bank information to be transmitted, and / or electronic document file format information, and / or FNA subscription application information).

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing FNA information corresponding to an FNA account opened in a non-face-to-face manner is provided in a DBMS on a financial system 120 according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium illustrated in FIG. 9 is the ledger D / B 1075 provided in the DBMS on the financial system 120 or the ledger D / B 1075 is provided, An information structure of an embodiment of storing the FNA information in the ledger information provided in the ledger D / B 1075 is shown. If a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Although various information construction methods for storing the FNA information in the ledger D / B 1075 may be inferred by reference and / or modification, the present invention encompasses all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1075 provided in the DBMS on the financial system 120 is linked to a predetermined customer ledger and the customer ledger. It is shown that the account ledger corresponding to the financial account opened through the FNA account opening system shown in FIG. 9 and at least one or more information associated with the account ledger. If the person has, the ledger D / B (1075) provided in the DBMS on the financial system 120 has at least one ledger (for example, receiving ledger, loan ledger, secured ledger) , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since it will be familiar with the term, a 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, area code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Including at least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is relationally linked to the customer ledger, and correspond to the financial account, the account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

According to an exemplary embodiment of the present invention, the storage medium is the ledger D / B 1075 or the present invention including an implementation method provided in the ledger D / B 1075. The above customer and account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA Enrollment Application Information provided through the illustrated FNA Account Opening System. The product information including at least one, and FNA information including at least one or more beneficiary information is stored in the form of additional information added to the account ledger.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located in a predetermined portion of the subscription application, or by selecting a subscription product that includes at least one subscription product selection by a separate subscription application form for each product. Do.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 120 associated with the FNA account opening system corresponding to the customer is at least included. It is preferable to include one or more.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

According to another embodiment of the present invention, the FNA subscription application 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 (for example, the customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

11 illustrates a ledger D / B 975 in which a storage medium 1100 for storing FNA information corresponding to an FNA account opened in a non-face-to-face manner is provided in a DBMS on a financial system 120 according to another embodiment of the present invention. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 11 illustrates an embodiment in which the storage medium 1100 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 975 provided in the DBMS on the financial system 120. As shown in FIG. 11, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 11 and store the FNA information in a predetermined database with the ledger D / B 975. It will be able to infer various information construction methods for storing by linkage processing, 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. 11, when it is not easy to store the FNA information in the ledger information of the ledger D / B 975 on the DBMS provided on the financial system 120 (eg, the ledger of the DBMS due to the policy of the bank). If it is not easy to change the D / B 975, or the system expansion is not easy due to the characteristics of the financial system 120), the FNA information is stored in a predetermined database instead of the ledger D / B 975. And, it shows an implementation method for storing the database and the ledger D / B (975) in association.

In addition, the database shown in FIG. 11 does not have to be provided on a DBMS provided on the financial system 120 as in the embodiment shown in FIG. 11, 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.

According to another embodiment of the present invention, the storage medium 1100 includes a database associated with the ledger D / B 975 provided in the DBMS on the financial system 120. Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information. Characterized in that it stores the FNA information including at least one, wherein the FNA information further comprises a CIF number corresponding to the ledger information in the FNA information to be processed in conjunction with the ledger D / B (975) It is preferable.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 120 associated with the FNA account opening system corresponding to the customer is at least included. It is preferable to include one or more.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

12 illustrates an implementation method in which a storage medium 1100 storing a FNA information corresponding to an FNA account opened in a non-face-to-face manner includes a DBMS provided in a banking server 1200 according to another embodiment of the present invention. Figure is shown.

In more detail, FIG. 12 illustrates a predetermined banking system in which the storage medium 1100 illustrated in FIG. 9 is provided on an Internet banking system and / or a telebanking system, a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 1200, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer an information construction method for FNA information stored in a predetermined DBMS provided in 1200, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 1100 includes a DBMS provided in the banking server 1200, a predetermined DBMS provided in the banking server 1200 is Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information. And storing FNA information including at least one beneficiary certificate information.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a given customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, at least member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 120 associated with the FNA account opening system corresponding to the customer is at least included. It is preferable to include one or more.

In addition, the beneficiary certificate information, such as the beneficiary number number that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate described in the FNA subscription application when FNA is opened. It is preferable to mean.

13A and 13B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a non-face-to-face manner according to an exemplary embodiment of the present invention. This is a diagram illustrating the process of opening an FNA account for receiving financial transaction services.

In more detail, FIGS. 13A and 13B illustrate a web in which a terminal apparatus 970 on the FNA account opening system shown in FIG. 9 is a client terminal, and the financial institution server 985 is accessible to a client terminal through predetermined network means. In the case of having a server function, a predetermined customer provides a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank. At least one or more customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the client terminal to open an FNA account for receiving. If you provide FNA subscription application information including at least one product information, including beneficiary information, Product information, profits including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) in the FNA account opening system. A financial transaction including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank, based on the FNA subscription application information including at least one securities information. The present invention relates to an implementation method of opening and processing the FNA account for receiving a service, and a person of ordinary skill in the art may refer to and / or modify the client's terminal by referring to FIGS. 13a and 13b. Infer various implementation methods for registering the FNA subscription application information with the financial company server 985 in As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 13A and 13B.

For example, the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the FNA subscription request information and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

13A and 13B further illustrate that the client terminal receives a user interface for inputting (or selecting) the FNA subscription request information through a predetermined web page provided by the financial institution server 985. Although illustrated as being described, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the financial institution server 985, and the present invention is not limited thereto.

Hereinafter, in FIGS. 13A and 13B, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the financial institution server 985 illustrated in FIG. 9 is referred to as a “server” for convenience. Product information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) sent to the financial company server 985 The beneficiary certificate information is referred to as "FNA subscription application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 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, Connect to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, and connect a predetermined communication channel, When a web page including a user interface for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided (1300) In response, the server may provide the customer information, account information, Certificate of Deposit (CD) or repurchase agreement. User interface for inputting (or selecting) product information including at least one of (Repurchase Agreements; RP) or Money Market Funds (MMF), and FNA subscription application information including at least one beneficiary certificate information to transmit to the server The web page including the web page is generated (or extracted) (1305), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output (1310).

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 FNA subscription application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal may transmit at least one or more customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) or money market funds (MMF) through a user interface included in the web page. Input (or select) the FNA subscription application information including the product information and the beneficiary certificate information including at least one (1315).

If the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface When the FNA subscription application information including the information and the beneficiary certificate information is input (or selected) (1320), the terminal receives the input (or selected) through the communication channel, account information, certificate of deposit (Certificate of In operation 1325, product information and beneficiary certificate information including at least one or more of a deposit (CD), repurchase agreements (RP), or money market funds (MMF) are transmitted to the server.

According to an embodiment of the present invention, the terminal may include at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF). A predetermined password and / or security card information and / or a predetermined OTP for verifying the validity of the FNA subscription request information on the server in FNA subscription request information including at least one product information and beneficiary certificate information. One Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). At least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method) And / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the FNA subscription request information and transmit it to the server through the network means. Have at least one encryption key corresponding to the encryption scheme, and / or contain at least one encryption key. If a predetermined official certificate is provided, and / or the official certificate is provided on a predetermined IC chip (or IC card), a card reader for confirming the authorized certificate provided on the IC chip (or IC card) is provided. It is preferred to be provided.

According to an embodiment of the present invention, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). At least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method) And / or encrypt the key exchange based encryption scheme, etc.) and transmit the same to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or Have a predetermined public certificate including at least one encryption key, and / or said public certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

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

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) through the communication channel. Receiving and reading the product information, beneficiary certificate information to confirm the validity of the FNA subscription application information (1330).

According to an embodiment of the present invention, the FNA subscription request information includes 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 FNA subscription request 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 FNA subscription information.

Alternatively, when a predetermined electronic signature is attached to the FNA subscription request information, the server may verify the validity of the received FNA subscription request information by checking the electronic signature attached to the FNA subscription request information. .

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

When the FNA subscription request information received through the information receiving unit 910 further includes a predetermined password for confirming the validity of the FNA subscription request information according to an embodiment of the present invention, the server subscribes to the FNA subscription. It is preferable to authenticate the validity of the received FNA subscription application information by comparing and authenticating a password included in the application information and a password provided corresponding to the customer on the DBMS.

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

Alternatively, when the FNA subscription request information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the FNA subscription request information, the server may be configured to the FNA subscription request information. It is preferable to authenticate the validity of the received FNA subscription 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 FNA subscription information is at least one matching the FNA subscription application information to the ledger D / B 975 on the financial system 120 associated with the FNA account opening system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the FNA subscription request information includes the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B (975) of the award.

If the validity of the FNA subscription request information is not authenticated (1335), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340), and performs the FNA account opening procedure. I never do that.

On the other hand, if the validity of the FNA subscription application information is authenticated (1335), the server is at least one or more customer information, account information, certificate of Deposit (CD) or repurchase condition debt including the FNA subscription application information Generate a predetermined document content including product information and beneficiary information including at least one of (Repurchase Agreements; RP) or MMF (Money Market Funds) (1345), and a predetermined FNA account including the document content Create a document (1350).

According to an exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) or MMF included in the received FNA subscription application information. A document content including at least one product information including at least one (Money Market Funds) and at least one documented beneficiary information, and a document file (eg, a Portable Document Format (PDF) file or EDI) containing the document content. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc. Or an FNA account electronic statement for receiving a financial transaction service including at least one credit card transaction provided by a credit card company. It is preferred to process with.

Alternatively, the server may collect customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Generate document content including at least one product information and at least one beneficiary certificate information, customer information included in the FNA subscription application information, account information, certificate of Deposit (CD) in the document content Or at least one of merchandise information and beneficiary certificate information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF) in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) At least one of a stock transaction provided by a securities company, a credit card transaction provided by a credit card company, etc., in addition to a bank transaction provided by the predetermined bank for a word processor file including at least one or a web document file including an MHT) It is preferable to process the FNA account electronic document for receiving the financial transaction service including the above.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Generating document content including at least one product information and at least one beneficiary certificate information, and capturing the image content (eg, the image content generated by capturing the document content in memory); The FNA account electronic document for receiving a financial transaction service including at least one image file including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is preferable to process.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information; After including at least one or more information of the beneficiary information by the watermarking method (watermarking), the image content including the watermarking The image file includes a FNA account electronic document for receiving a financial transaction service including at least one securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. It is preferable to process.

According to another exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) included in the received FNA subscription application information. Image content (eg, the document content is generated in memory) that generates document content including at least one product information including at least one MMF (Money Market Funds) and at least one beneficiary certificate information, and captures the document content. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including captured and generated image content, or By generating a web document file including the MHT, etc.), a certificate provided by a securities company in addition to the bank transaction provided by the predetermined bank. To process transactions or credit card transactions, such as provided by the credit card company to FNA account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information. Generating image content including at least one information from beneficiary certificates by a watermarking method; A document file including an image content included (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document file, etc.) to obtain a FNA account for receiving a financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is preferable to process it as an electronic document.

According to another exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) included in the received FNA subscription application information. Or image content (eg, storing the document content) that generates document content including at least one product information including at least one MMF (Money Market Funds) and at least one beneficiary certificate information, and captures the document content. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image content generated by capturing the image and the FNA subscription information. By generating a word processor file or a web document file including MHT). That the securities transactions provided by brokers or for processing credit card transactions, such as provided by the credit card company to FNA account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information; Generating image content including at least one or more information from beneficiary certificates by a watermarking method; A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content included in the FNA subscription request information; Or a web document file including an MHT), and at least one financial transaction service including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. It is preferable to process the FNA account electronic document for receiving.

Those skilled in the art to which the present invention pertains may include technical features of the server generating an FNA account electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the FNA account electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated FNA account electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 990 and an electronic document D / B 965 connected to a server on the FNA account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated FNA account electronic document to the electronic document server 990 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the FNA account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the FNA account opening system. It is possible to store in the electronic document D / B 965, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the FNA account electronic document in the electronic document storage is performed by linking the generated FNA account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 965.

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

The electronic document management information may further include bank information for transmitting the FNA account electronic document.

In addition, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the FNA subscription application information, and / or bank information for transmitting the FNA account electronic document, and / or Electronic document file format information, and / or the FNA subscription application information).

If the FNA account electronic document is stored in the electronic document repository (1360), the server includes the customer information, account information, Certificate of Deposit (CD) or repurchase agreement obligations included in the FNA subscription application information. The financial account information is generated based on product information and beneficiary certificate information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF) (1365).

Here, the financial account information preferably comprises an account number and interest rate information corresponding to the FNA account opened based on the FNA subscription application information, if the FNA account includes the savings attribute, a predetermined subscription It is preferable to further include the period, payment date and time and payment amount information.

Thereafter, the server is connected to the financial system 120, the customer information, account information, certificate of Deposit (CD) or Repurchase Agreements (RP) included in the FNA subscription application information or A financial account of the customer's name including the financial account information is opened based on product information and beneficiary certificate information including at least one MMF (Money Market Funds) (1370).

According to the method of the present invention, the server generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 120 (or matched with the customer information, the customer is already provided Check the ledger), generate predetermined ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the FNA subscription application information. Opening a predetermined financial account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank; It is done.

According to an embodiment of the present invention, when the server and the financial system 120 exist in the same system, the server connects the financial account information to the ledger D / B 975 in association with the financial system 120. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 120 exist on another system connected through a predetermined communication means, the server is located on the financial system 120 through a predetermined communication means. It is preferable to request the general ledger D / B 975 on the other financial system 120 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes at least the customer information and account information included in the FNA subscription application information, a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF). The FNA information including at least one product information and beneficiary certificate information is generated and stored in the predetermined storage medium 1100 (1375).

According to an exemplary embodiment of the present invention, when the storage medium 1100 is provided in the server or on a network associated with the server, the server may include the customer information included in the received FNA subscription request information. FNA information, including account information, product information including at least one Certificate of Deposit (CD), repurchase agreements (RP), or money market funds (MMF), and at least one beneficiary information; It is preferable to store the in the storage medium 1100.

According to another embodiment of the present invention, when the storage medium 1100 is provided in the DBMS provided on the financial system 120, the server includes the customer information and account information included in the received FNA subscription information. The FNA information including at least one product information including at least one of a Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF); It is preferable to provide the information system through the external system on the financial system 120 and store it in the DBMS provided on the financial system 120.

Thereafter, the server may provide predetermined financial account opening history information (eg, the FNA account opening history, and / or the history of storing the FNA account electronic document in the electronic document repository, and / or the storage medium 1100). A record of storing FNA subscription application information) is generated (or extracted) and transmitted to the terminal (1380).

According to one embodiment of the invention, the storage medium 1100 is preferably provided in a DBMS on the financial system 120 provided on the FNA account opening system (or associated with the FNA account opening system), In this case, the storage medium 1100 may be a ledger D / B 975 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 1100 is provided on (or associated with) an FNA account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

14A, 14B, and 14C include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank, according to an exemplary embodiment of the present invention. A diagram illustrating a process of opening an FNA account for receiving a financial transaction service.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case in which the FNA account opening system shown in FIG. 9 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the FNA account opening shown in FIG. 9). In the case where the financial institution server 985 on the 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 performs a predetermined customer authentication procedure. Afterwards, the client terminal opens a FNA account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. In order to transmit the predetermined FNA subscription application information to the Internet banking server, the Internet banking server At least one product information, account information, beneficiary certificate information including at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) Receiving a financial transaction service including at least one securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank, based on the FNA subscription application information including If the person of ordinary skill in the technical field to which the present invention belongs, refer to and / or modify the drawings 14a, 14b and 14c of another type of non-face-to-face financial transaction channel It will be possible to infer various implementation methods for registering the FNA subscription application information through the present invention, It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A, 14B, and 14C.

That is, 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. 14A, 14B, and 14C, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the FNA subscription application information between the client terminal and the Internet banking server based on the browser program is shown, one of ordinary skill in the art to which the present invention pertains. 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. 14a, 14b, and 14c. And internet banking server Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering FNA subscription application information, the present invention includes an internet banking-based financial transaction provided 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 Figure 14a, 14b and 14c, 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 FNA subscription 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. 14A, 14B and 14C.

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

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 985 is referred to as " server " for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. 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 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 (1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or 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 (1415a), 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 (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), 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 (1430a), 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 scheme (and / or decryption algorithm) corresponding to the algorithm), and is provided to the server for FNA subscription application information registration in the terminal. By attaching a predetermined digital signature to information (or data) and / or 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 / 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 exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or 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 is provided to the server for FNA subscription application information registration in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more When encrypted and transmitted using an encryption method (and / or encryption algorithm), the server verifies the digital signature and / or knows a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption 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 (1435a).

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

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 (1440a), the server (and / or authentication server) authenticates a 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. (1445a).

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

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where Internet banking An underlying financial transaction channel is a financial transaction service that includes at least one of a bank transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank, from the terminal to the server. It means a communication channel that can transmit and register predetermined FNA subscription application information for receiving.

Thereafter, the terminal includes at least one financial transaction including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank to the server through an internet banking-based financial transaction channel. When requesting a web page including a user interface for receiving a transaction service (1400b), the server correspondingly the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (Repurchase Agreements) A user interface for inputting (or selecting) product information including at least one of RP) or MMF (Money Market Funds), and FNA subscription application information including at least one beneficiary certificate information and transmitting the same to the server; Create (or extract) a web page (1405b) and generate the internet banking-based financial transaction channel. It outputs to transmit the web page including a user interface, the generated (or extracted) to the terminal (1410b).

According to an embodiment of the present invention, the web page includes at least the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) at the terminal. And a user interface for inputting (or selecting) FNA subscription application information including at least one product information, beneficiary certificate information, and / or requesting to register the FNA subscription application information. Certain password and / or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) For example, an OTP authenticator (or OTP authentication program) provided to a customer by an Internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a one-time password generated via).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the FNA subscription information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the financial account opening interface. Input (or select) FNA subscription information including at least one product information and beneficiary certificate information (1415b).

If the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) through the user interface When FNA subscription application information including information and beneficiary certificate information is input (or selected) (1420b), the terminal transmits the input (or selected) FNA subscription application information to the server through the financial transaction channel ( 1425b).

According to an embodiment of the present invention, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). A predetermined password and / or security card information and / or a predetermined OTP (One) for checking the validity of the FNA subscription application information in the server to the FNA subscription application information including at least one product information, beneficiary certificate information Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). At least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method) And / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the FNA subscription request information and transmit it to the server through the network means. Have at least one encryption key corresponding to the encryption scheme, and / or contain at least one encryption key. If a predetermined official certificate is provided, and / or the official certificate is provided on a predetermined IC chip (or IC card), a card reader for confirming the authorized certificate provided on the IC chip (or IC card) is provided. It is preferred to be provided.

According to an embodiment of the present invention, the terminal includes at least one of the customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). At least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method) And / or encrypt it using a key exchange based encryption scheme) and transmit it to the server via the network means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / Or have a predetermined certificate containing at least one encryption key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

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

Thereafter, the server receives and reads the FNA subscription request information through the financial transaction channel to confirm the validity of the FNA subscription request information (1430b).

According to an embodiment of the present invention, the FNA subscription request information includes 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 FNA subscription request 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 FNA subscription information.

Alternatively, when a predetermined electronic signature is attached to the FNA subscription request information, the server may verify the validity of the received FNA subscription request information by checking the electronic signature attached to the FNA subscription request information. .

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

When the FNA subscription request information received through the information receiving unit 910 further includes a predetermined password for confirming the validity of the FNA subscription request information according to an embodiment of the present invention, the server subscribes to the FNA subscription. It is preferable to authenticate the validity of the received FNA subscription application information by comparing and authenticating a password included in the application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the FNA subscription request information received through the information receiver 910 further includes predetermined security card information for confirming the validity of the FNA subscription request information, the server may request the FNA subscription request information. It is preferable to authenticate the validity of the received FNA subscription application information by comparing and authenticating the received security card information included in the corresponding to the customer and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the FNA subscription request information received through the information receiver 910 further includes a predetermined OTP code for checking the validity of the FNA subscription request information, the server is included in the FNA subscription request information. It is preferable to authenticate the validity of the received FNA subscription 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. .

According to an embodiment of the present invention, the validation of the FNA subscription information is at least one matching the FNA subscription application information to the ledger D / B 975 on the financial system 120 associated with the FNA account opening system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the FNA subscription request information includes the financial system 120 in which the customer information (customer personal information, member information, etc.) of the information included in the FNA subscription request information is linked to the FNA account opening system. It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B (975) of the award.

If the validity of the FNA subscription request information is not authenticated (1435b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1440b), and performs the FNA account opening procedure. I never do that.

On the other hand, if the validity of the FNA subscription request information is authenticated (1435b), the server may include at least one or more customer information, account information, Certificate of Deposit (CD) or repurchase conditional debt including the FNA subscription request information. Generate a predetermined document content including product information and beneficiary information including at least one of (Repurchase Agreements; RP) or MMF (Money Market Funds) (1445b), and a predetermined FNA account including the document content Create a document (1450c).

According to an exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) or MMF included in the received FNA subscription application information. A document content including at least one product information including at least one (Money Market Funds) and at least one documented beneficiary information, and a document file (eg, a Portable Document Format (PDF) file or EDI) containing the document content. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), in addition to banking transactions provided by the predetermined banks, securities transactions provided by securities companies, Or an FNA account electronic statement for receiving a financial transaction service including at least one credit card transaction provided by a credit card company. It is desirable to treat each other.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Generate document content including at least one product information and at least one beneficiary certificate information, customer information included in the FNA subscription application information, account information, Certificate of Deposit (CD) in the document content Or after the watermarking method includes at least one or more of the product information and the beneficiary certificate information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content At least one of a stock transaction provided by a securities company, a credit card transaction provided by a credit card company, etc., in addition to a bank transaction provided by the predetermined bank for a word processor file including at least one or a web document file including an MHT) It is preferable to process the FNA account electronic document for receiving the financial transaction service including the above.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Generating document content including at least one product information and at least one beneficiary certificate information, and capturing the image content (eg, the image content generated by capturing the document content in memory); The FNA account electronic document for receiving a financial transaction service including at least one image file including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is preferable to process.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information; After including at least one or more information of the beneficiary information by the watermarking method (watermarking), the image content including the watermarking The FNA account electronic document for receiving a financial transaction service including at least one image file including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is preferable to process.

According to another exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) included in the received FNA subscription application information. Image content (eg, the document content is generated in memory) that generates document content including at least one product information including at least one MMF (Money Market Funds) and at least one beneficiary certificate information, and captures the document content. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including captured and generated image content, or Securities provided by securities companies other than bank transactions provided by the predetermined banks by generating web document files including MHT) It is desirable to process a FNA account electronic document for receiving a financial transaction service including at least one transaction or a credit card transaction provided by a credit card company.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information; Generating image content including at least one or more information from beneficiary certificates by a watermarking method; A document file including an image content included (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document file, etc.) to obtain a FNA account for receiving a financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is preferable to process it as an electronic document.

According to another exemplary embodiment of the present invention, the server may include customer information, account information, certificate of deposit (CD) or repurchase agreements (RP) included in the received FNA subscription application information. Or image content (eg, storing the document content) that generates document content including at least one product information including at least one MMF (Money Market Funds) and at least one beneficiary certificate information, and captures the document content. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image content generated by capturing the image and the FNA subscription information. By generating a word processor file or a web document file including MHT). That the securities transactions provided by brokers or for processing credit card transactions, such as provided by the credit card company to FNA account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Alternatively, the server may include at least customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the received FNA subscription application information. Create document content including at least one product information and one or more beneficiary information, and to the image content (e.g., image content generated by capturing the document content in memory) Product information including at least one of customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) included in the FNA subscription application information; Generating image content including at least one or more information from beneficiary certificates by a watermarking method; A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content included in the FNA subscription request information; Or a web document file including an MHT), and at least one financial transaction service including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. It is preferable to process the FNA account electronic document for receiving.

Those skilled in the art to which the present invention pertains may include technical features of the server generating an FNA account electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the FNA account electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated FNA account electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 990 and an electronic document D / B 965 connected to a server on the FNA account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated FNA account electronic document to the electronic document server 990 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the FNA account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the FNA account opening system. It is possible to store in the electronic document D / B 965, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the FNA account electronic document in the electronic document storage is performed by linking the generated FNA account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 965.

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

In addition, the electronic document management information preferably further comprises bank information for transmitting the FNA account electronic document.

In addition, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the FNA subscription application information, and / or bank information for transmitting the FNA account electronic document, and / or Electronic document file format information, and / or the FNA subscription application information).

If the FNA account electronic document is stored in the electronic document repository (1460c), the server stores the customer information, account information, Certificate of Deposit (CD) or repurchased debt (Receivable) included in the FNA subscription application information. The financial account information is generated based on product information and beneficiary certificate information including at least one or more Repurchase Agreements (RP) or Money Market Funds (MMF) (1465c).

Here, the financial account information preferably comprises an account number and interest rate information corresponding to the FNA account opened based on the FNA subscription application information, if the FNA account includes the savings attribute, a predetermined subscription It is preferable to further include the period, payment date and time and payment amount information.

Thereafter, the server is connected to the financial system 120, the customer information, account information, certificate of Deposit (CD) or Repurchase Agreements (RP) included in the FNA subscription application information or A financial account of the customer's name including the financial account information is opened based on the product information and the beneficiary certificate information including at least one MMF (Money Market Funds) (1470c).

According to the method of the present invention, the server generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 120 (or matched with the customer information, the customer is already provided Check the ledger), generate predetermined ledger information including the financial account information, and store the ledger information in a predetermined ledger associated with the customer ledger, corresponding to the FNA subscription application information. Opening a predetermined financial account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank; It is done.

According to an embodiment of the present invention, when the server and the financial system 120 exist in the same system, the server connects the financial account information to the ledger D / B 975 in association with the financial system 120. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 120 exist on another system connected through a predetermined communication means, the server is located on the financial system 120 through a predetermined communication means. It is preferable to request the general ledger D / B 975 on the other financial system 120 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes at least one of the customer information, account information, Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) included in the FNA subscription application information. The FNA information including at least one of the merchandise information and the beneficiary certificate information is generated and stored in the predetermined storage medium 1100 (1475c).

According to an exemplary embodiment of the present invention, when the storage medium 1100 is provided in the server or on a network associated with the server, the server may include the customer information included in the received FNA subscription request information. FNA information, including account information, product information including at least one Certificate of Deposit (CD), repurchase agreements (RP), or money market funds (MMF), and at least one beneficiary information; It is preferable to store the in the storage medium 1100.

According to another embodiment of the present invention, when the storage medium 1100 is provided in the DBMS provided on the financial system 120, the server includes the customer information and account included in the received FNA subscription information. Information, FNA information including at least one of a Certificate of Deposit (CD) or product information including at least one Repurchase Agreement (RP) or Money Market Funds (MMF), and beneficiary certificates. It is preferable to provide the information system through the external system on the financial system 120 and store the information in the DBMS provided on the financial system 120.

Thereafter, the server may provide predetermined financial account opening history information (eg, the FNA account opening history, and / or the history of storing the FNA account electronic document in the electronic document repository, and / or the storage medium 1100). A history of storing FNA subscription application information) is generated (or extracted) and transmitted to the terminal (1480c).

According to one embodiment of the invention, the storage medium 1100 is preferably provided in a DBMS on the financial system 120 provided on the FNA account opening system (or associated with the FNA account opening system), In this case, the storage medium 1100 may be a ledger D / B 975 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 1100 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 FNA account opening 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.

15 is a diagram illustrating an FNA operation system for converting a beneficiary certificate sold by a fund manager (or a securities company) into a bank financial product according to an embodiment of the present invention.

In more detail, FIG. 15 is based on FNA information stored in the storage medium 980, which is established through the FNA establishment system shown in FIG. 2 or 9, and sold by the fund manager (or securities company). The present invention relates to a system for verifying a target account for converting a beneficiary certificate into a bank financial product, and in response to the identified result, canceling the beneficiary certificate according to a predetermined customer approval process and converting the beneficiary certificate into a predetermined bank financial product. For those skilled in the art, the FNA operation system for converting beneficiary certificates sold by the predetermined fund manager (or securities company) into bank financial products by referring to and / or modifying the drawing 15 is described. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

Referring to FIG. 15 according to an embodiment of the present invention, the FNA operating system includes a financial system 120 equipped with a ledger corresponding to an FNA established through the FNA establishment system shown in FIG. 2 or 9, and A storage medium 980 for storing FNA information including at least one of customer information, account information, product information, and beneficiary information, and the FNA in connection with the financial system 120, wherein the storage medium 980 is used. It is characterized in that the FNA operation server 1530 for periodically checking the FNA information stored in the) and the target account for converting the beneficiary sold by the fund manager (or securities company) into bank financial products .

Here, the storage medium 980 is provided in the ledger D / B on the financial system 120, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or at least one banking Anything that can be provided on the system is possible, whereby the present invention is not limited.

In addition, the FNA operation server 1530 is a ledger server provided in the financial system 120, or a financial company server on the FNA establishment system shown in FIG. 2 or FIG. 9, or as shown in FIG. 2 or FIG. Various banking servers (eg, an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) that operate the FNA in association with the financial system 120, or the fund management company It may be a separate server provided for checking the target account for converting the beneficiary certificates sold in the bank financial products, thereby the present invention is not limited.

In addition, in FIG. 15, the FNA operation server 1530 functions to operate the FNA in association with the financial system 120, and periodically checks the FNA information stored in the storage medium 980. Although illustrated as including all the functional configuration for checking the target account for converting the beneficiary certificates sold by the manager (or securities company) to bank financial products, the present invention is not limited by this, the FNA operation server (1530) It is clear that each function configuration can be made through a separate server (or device).

The financial system 120 is a general term for a computer system in which a ledger corresponding to the FNA established through the FNA establishment system shown in FIG. 2 or 9 is provided, and is basically a branch (and / or branch) of the financial institution. Branch offices) and at least one window terminal and a predetermined financial network (eg, a branch network). The at least one bank terminal provides a face-to-face financial transaction service for at least one financial transaction customer. to provide.

In addition, the financial system 120 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 120 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 120 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing capabilities connected to the mobile communication network) and / or connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 120 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 120 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 120 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV and / or refrigerator connected to a home network) Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system 120 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 15, the financial system 120 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system, comprising: an accounting system for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or a window), an information system for processing a headquarters business, a store information support, and a customer information management; Interconnection between the financial system 120 and at least one other financial system 120 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc. The financial system (1) 20) and / or an external system providing various financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network). ) Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 120, and predetermined information required for performing each function in the components in the financial system 120. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, and / or customer information, and / or management information).

In addition, the financial system 120 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 120 and the purpose of the financial system 120. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 120, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 120. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The storage medium 980 is a generic term for storage means for storing FNA information including at least one of the customer information, account information, product information, and beneficiary information through the FNA establishment system shown in FIG. 2 or 9. As such, the storage medium 980 is provided in the ledger D / B on the financial system 120, in a predetermined database associated with the ledger D / B, or at least one banking, according to the intention of the skilled person. Anything provided on the system is possible.

In this case, the product information including at least one of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) may be provided by a predetermined customer. For this purpose, it is preferable to mean product information by selecting a subscription product located at a predetermined portion of the subscription application, or by selecting a subscription product including at least one subscription product selection by a separate subscription application form for each product. .

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

Referring to FIG. 15, the FNA operation server 1530 may be configured to operate at least one customer terminal 1525 and the FNA to operate the FNA established through the FNA establishment system illustrated in FIG. 2 or 9. An interface unit 1510 for connecting a communication channel, an information receiver 1520 for receiving predetermined financial account usage information for operating the FNA from the customer terminal 1525 in connection with the interface unit 1510, and And a financial product operating unit (or financial product operating means) 1500 for operating the FNA in connection with the financial system 120 based on the received financial account usage information. Accordingly, the financial product management unit 1500 may be formed of at least two or more functional component units (or means), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal 1525 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1510 may be configured based on the protocol stack defined in the communication network. Communication interface connecting the employee terminal with a predetermined communication channel and transmitting and receiving at least one information (or data) for the FNA operation with the employee terminal using a communication protocol defined in the financial transaction program provided in the employee terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1525 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1510 is based on the protocol stack defined in the wired communication network. At least one or more information (or data) for the FNA operation using the communication protocol defined in the financial transaction program included in the customer terminal 1525 and connecting a predetermined communication channel with the customer terminal 1525. It is desirable to provide a communication interface for transmitting and receiving).

For example, when the customer terminal 1525 includes a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1510 may be connected to the customer terminal 1525 based on the TCP / IP protocol. Connect a communication channel, and use a HTTP protocol defined in the browser program to obtain a predetermined web page (e.g., a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or data) for the FNA operation. Provides a communication interface for transmitting and receiving.

Alternatively, when the customer terminal 1525 is provided with a predetermined financial transaction program directly interworking with the FNA operation server 1530, the interface unit 1510 may be configured to execute the customer terminal 1525 based on the TCP / IP protocol. ) And a communication interface for transmitting and receiving information (or data) for operating the FNA using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1525 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1510 is based on the protocol stack defined in the wireless communication network. Connecting at least one communication channel with a customer terminal 1525 and transmitting and receiving at least one information (or data) for the FNA operation using a communication protocol defined in a financial transaction program included in the client terminal 1525. It is desirable to provide a communication interface.

For example, when the customer terminal 1525 includes a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1510 may be configured based on the CDMA / WCDMA protocol. Connect a communication channel with a customer terminal 1525 and use a WAP / ME protocol defined in the browser program to designate a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page or HTML compatible) for the FNA operation. Web page) and / or information (or data) interface.

Or, if the customer terminal 1525 is provided with a predetermined financial transaction program directly interworking with the FNA management server 1530, the interface unit 1510 is based on the CDMA / WCDMA protocol the customer terminal 1525 ) And a communication interface for transmitting and receiving information (or data) for operating the FNA using a communication protocol defined in the financial transaction program.

The information receiving unit 1520 receives the predetermined financial account usage information for operating the FNA from the customer terminal 1525 in connection with the interface unit 1510, wherein the received financial account usage information is The financial product management unit 1500 is provided.

The financial product management unit 1500 may perform various financial transaction procedures for the FNA in connection with the financial system 120 based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the FNA, the financial product operation unit Preferably, the reference numeral 1500 executes a deposit transaction procedure for the FNA in connection with the financial system 120, and records the deposit transaction details in a ledger corresponding to the FNA. desirable.

According to another embodiment of the present invention, when the financial account use information includes withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the FNA), The financial product management unit 1500 may perform a withdrawal transaction (or transfer transaction) procedure for the FNA in connection with the financial system 120 based on the financial account usage information. It is preferable to record in the ledger corresponding to the FNA.

In addition, the financial product management unit 1500 periodically checks the amount deposited in the FNA, calculates the interest (or proceeds) for the deposit amount according to the interest rate (or yield) corresponding to the FNA, It is preferable to deposit the calculated interest (or proceeds) into the FNA, and record the interest (or proceeds) deposit in the ledger corresponding to the FNA.

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

Referring to FIG. 15, the FNA management server 1530 may include the financial product management unit 1500 for identifying a target account for converting a beneficiary certificate sold by the fund manager (or a securities company) into a bank financial product. While operating the FNA in conjunction with the financial system 120, in connection with the storage medium 980 beneficiary including at least one or more of the actual revenue of the beneficiary included in the FNA information and a penalty according to whether or not a penalty is generated. The FNA based on the profitability of the beneficiary certificate, which includes at least one information checking unit 1515 for confirming the profitability and at least one penalty amount according to the actual profit of the confirmed beneficiary certificate and a penalty fee in connection with the financial system 120. At least one or more of the above Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) for And a financial product checking unit (or financial product checking unit) 1505 for checking a product profitability including at least one interest income or an expected profit in product information. Is based on the profitability of the beneficiary certificate in the product information including at least one or more of the Certificate of Deposit (CD), Repurchase Agreements (RP) or Money Market Funds (MMF) for the FNA If the merchandise profitability is greater based on the merchandise profitability including at least one interest income or an expected return, the beneficiary certificate is terminated in connection with a predetermined fund manager (or securities company) system according to the process shown in FIG. The certificate of deposit (CD) or repurchase condition for the settlement amount corresponding to the terminated beneficiary certificate; Bonds; the (Repurchase Agreements RP) or MMF (Money Market Funds) characterized in that the operation to invest in products that contain at least one.

The information checking unit 1515 is linked to the financial system 120 by the financial product management unit 1500 to identify a target account for converting a beneficiary certificate sold by the fund manager (or a securities company) into a bank financial product. During operation of the FNA, it is preferable to check the profitability of the beneficiary certificates including at least one of the actual profits of the beneficiary certificates included in the FNA information and a penalty fee according to whether a penalty is incurred in connection with the storage medium 980. Do.

The financial product verification unit 1505 is connected to the financial system 120 for the FNA based on the profitability of the beneficiary certificates including at least one of the actual revenue of the identified beneficiary certificates and a penalty fee according to whether a penalty fee is generated. Interest income from product information including at least one or more of the Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF) for the FNA based on the profitability of the beneficiary certificates. Alternatively, it is preferable to check the merchandise profitability including at least one expected profit.

The financial product management unit 1500 may acquire the Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF) for the FNA based on the profitability of the beneficiary certificates. If the product profitability is greater based on the product profitability including at least one interest income or an expected profit in the product information including at least one or more, a predetermined fund manager (or securities company) system according to the process shown in FIG. The beneficiary certificate is terminated and the settlement amount corresponding to the canceled beneficiary certificate is settled at least by the Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). It is desirable to operate to invest in products that contain more than one.

FIG. 16 is a diagram illustrating an operation flow of an FNA operation system for converting a beneficiary certificate sold by a fund manager (or a securities company) into a bank financial instrument.

In more detail, FIG. 15 is based on FNA information stored in the storage medium 980, which is established through the FNA establishment system shown in FIG. 2 or 9, and sold by the fund manager (or securities company). The operation flow of the system for identifying a target account for converting a beneficiary certificate into a bank financial product, and if the person skilled in the art to which the present invention pertains, refer to and / or modify the present invention 15 Various implementation methods may be inferred, such as modifying the operation sequence of the FNA operation system for converting beneficiary certificates sold by a given fund manager (or securities company) into bank financial products. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the FNA operation server 1530 shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, the server stores customer information and beneficiary certificates in the FNA information stored and registered in the financial system 120 in association with the FNA establishment system shown in FIG. 2 or 9. Information is received from the financial system 120 (1600).

The server checks the profitability of the beneficiary certificate based on the customer information and the beneficiary certificate information received from the financial system 120 (1605).

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the profitability of the beneficiary certificates may include a penalty generated when the beneficiary certificates are sold, in addition to the actual profits generated on the beneficiary certificates.

The server receives the product information associated with the customer information from the financial system 120, and confirms the product profitability corresponding to the product information received from the financial system 120 (1610).

The product information may include at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF).

In addition, the product profitability is preferably made of at least one or more interest income or expected revenue that can be provided when the customer subscribes to a predetermined financial product.

If the server compares the identified profitable profitability and the merchandise profitability (1615), and the product profitability is higher than the beneficiary profitability in response to the comparison result (1620), the server compares the product profitability to the profitable profitability The result is notified to the customer of the agreement information on whether to convert the beneficiary certificate into a banking instrument (1625).

Thereafter, the server receives an agreement for converting the beneficiary certificate into a banking instrument from a predetermined customer (1630), and the server terminates the beneficiary certificate in association with the fund manager (or securities company) system. Termination settlement is provided by the fund manager system (or securities firm) (1635).

Here, the process of canceling the beneficiary certificates is shown in FIG. 17 to be shown below, and the beneficiary certificates may be canceled by other processes according to the intention and purpose of those skilled in the art in addition to the drawings 17 to be shown below. This includes, but is not limited to, the termination of all proceeds, including all methods of depositing into a bank account through the termination of all beneficiary certificates.

Thereafter, the server invests the beneficiary certificate settlement payment in a banking instrument (1640), and the server notifies the customer that the beneficiary certificate has been converted to the banking instrument (1645).

FIG. 17 is a flowchart illustrating a process for transferring a beneficiary certificate sold by a given fund manager (or securities company) to an FNA according to an embodiment of the present invention.

In more detail, Fig. 17 is a conversion for converting a predetermined beneficiary certificate identified by the FNA operation system shown in Fig. 15 into a predetermined financial product in the FNA opened through the FNA establishment system shown in Fig. 2 or Fig. 9. A process for transferring a target beneficiary certificate from a given fund manager (or a securities company) to an FNA of a given bank, and a person of ordinary skill in the art to which the present invention belongs, will refer to and modify this drawing 17. Converting a beneficiary certificate to be converted into a predetermined financial instrument from a predetermined fund manager (or a securities company) to a FNA of a predetermined bank in the FNA opened through the FNA establishment system. It will be possible to infer various implementation methods for the process for migration, but the present invention includes all implementation methods inferred above, It shall not be limited to the exemplary method shown in figure 17.

Referring to FIG. 17 according to an embodiment of the present invention, while the FNA operation server 100 shown in FIG. 15 operates the FNA in association with the financial system 120 in the financial product operation unit 1500. And profitability of the beneficiary certificate including at least one or more penalty according to whether or not the actual profit of the beneficiary certificate included in the FNA information and a penalty fee is generated in association with the storage medium 980, and the Certificate of Deposit (CD). Or converting a beneficiary certificate to a banking instrument by comparing product profitability, which includes at least one interest income or an expected return, in product information that includes at least one Repurchase Agreement (RP) or Money Market Funds (MMF). After confirming the target, and the target to convert the beneficiary certificates to the bank financial products, the FNA operation server 100 is shown in Figure 19 or The selling request information is transmitted to the predetermined depository system 115 through the customer approval process by the customer approval registration system shown in FIG. 24 (1700).

Here, the selling request information includes at least one beneficiary number of the beneficiary target to be converted, fund manager (or securities company) in which the beneficiary certificate is deposited, and account information for transferring the beneficiary certificate to the FNA. It is preferable.

In addition, the fund manager (or securities company) information of the fund manager (or securities company) fund manager information (or securities company information) (for example, fund manager (or securities company) company name, company registration number, business address, representative phone number, Representative mobile phone number, representative email address, etc., and the company information of the fund manager (or securities company) (e.g., the fund manager (or securities company) by joining the financial transaction company through the depository); And at least one or more of member ID information or a separate management number, etc. provided on the depository system 115.

Thereafter, the depositor system 115 connects the request information to the fund manager (or securities company) system 110 with the sell request information provided from the FNA operation server 100 to the depository system 115. Provided to the fund manager (or securities company) system 110 (1705).

If the fund manager (or securities company) system 110 confirms whether the beneficiary certificates can be transferred by checking the selling request information provided from the depository system 115, and responds to the result of confirming whether the beneficiary certificates can be transferred. Providing information on the sale of the beneficiary certificate (1710) to the depository system (115) (1710).

Here, the beneficiary certificate sell approval 1710 information may include at least one of the beneficiary certificate number and sell approval 1710 information.

Thereafter, the depositor system 115 confirms whether the seller is authorized to sell from the received beneficiary certificate selling approval (1710) information, and connects to the beneficiary certificate number according to the result of the approval to sell information provided by the financial company. The beneficiary certificate is transferred to an account including account information for transferring to the included FNA (1715).

FIG. 18 is a diagram illustrating a flow of a process for closing and settlement of beneficiary certificates sold by a predetermined fund manager (or securities company) deposited in an FNA account according to an embodiment of the present invention.

In more detail, FIG. 18 shows a predetermined beneficiary certificate identified by the FNA operating system shown in FIG. 15 in the FNA opened through the FNA establishment system shown in FIG. 2 or 9 by the process shown in FIG. The process for transferring the beneficiary certificates deposited to the fund manager (or securities company) to the FNA, and the settlement of the beneficiary certificates deposited to the FNA, the person having ordinary knowledge in the technical field to which the present invention belongs By referring to FIG. 18 and modifying a predetermined beneficiary certificate identified by the FNA management system in the FNA opened through the FNA establishment system, the beneficiary certificate deposited by the fund manager (or securities company) by the process shown in the FNA. It will be possible to infer various implementation methods for the process for the transfer to the settlement of the beneficiary certificates deposited in the FNA, but the present invention is Includes all embodiments estimation method, it shall not be limited to the exemplary method shown in the figure 18.

Referring to FIG. 18 according to an embodiment of the present invention, while the FNA operation server 100 illustrated in FIG. 15 operates the FNA in association with the financial system 120 in the financial product operation unit 1500. And profitability of the beneficiary certificate including at least one or more penalty according to whether or not the actual profit of the beneficiary certificate included in the FNA information and a penalty fee is generated in association with the storage medium 980, and the Certificate of Deposit (CD). Or converting a beneficiary certificate to a banking instrument by comparing product profitability, which includes at least one interest income or an expected return, in product information that includes at least one Repurchase Agreement (RP) or Money Market Funds (MMF). Confirm the target, and the target to convert the beneficiary certificates to the bank financial products, the FNA operation server 100 is a predetermined depository system In connection with (115), the beneficiary certificate deposited in the fund manager (or securities company) account is transferred to the FNA by the process shown in FIG. 17, or the request for the release of the beneficiary certificate previously deposited in the FNA (1800). Information is transmitted to the depository system 115 (1800).

Here, the termination request (1800) information is at least one of the beneficiary number of the beneficiary to be converted, the fund manager (or securities company) information is deposited, and the account information for transferring the beneficiary certificate to the FNA It is preferable to comprise.

In addition, the fund manager (or securities company) information of the fund manager (or securities company) fund manager information (or securities company information) (for example, fund manager (or securities company) company name, company registration number, business address, representative phone number, Representative mobile phone number, representative email address, etc., and the company information of the fund manager (or securities company) (e.g., the fund manager (or securities company) by joining the financial transaction company through the depository); And at least one or more of member ID information or a separate management number, etc. provided on the depository system 115.

Thereafter, the depositor system 115 terminates the reception received at the depository system 115 in association with the request for release 1800 provided from the FNA operation server 100 to the fund manager (or securities company) system 110. The request 1800 information is provided to the fund manager (or securities company) system 110 (1805).

If the fund manager (or securities company) system 110 confirms whether the beneficiary certificates can be canceled by checking the information on the termination request 1800 provided from the depository system 115, and confirms whether the beneficiary certificates can be transferred. In response to the result, the beneficiary certificate termination approval 1810 information is provided to the depository system 115 (1810).

In this case, the beneficiary certificate termination approval 1810 information may include at least one of the beneficiary certificate number and the termination approval 1810 information.

Thereafter, the KSD system 115 confirms whether the cancellation approval 1810 is received from the received beneficiary certificate termination approval 1810 information, and the termination approval 1810 for the result of the termination confirmation 1815 in response to the approval result. Information is provided to the FNA management server 100 (1815).

Thereafter, the FNA operation server 100 confirms the termination result by the cancellation approval 1810 information provided from the depository system 115, and connects the beneficiary certificate with the fund manager (or securities company) system 110. The settlement amount is settled in the FNA by depositing (1820).

Here, the beneficiary certificate settlement 1820 may include a deposit for the beneficiary certificate, at least one actual profit generated from the beneficiary certificate, and at least one penalty fee resulting from the termination of the beneficiary certificate.

19 is a diagram illustrating a system for registering customer approval information in a face-to-face manner for transferring from a given fund manager (or securities company) to an FNA of a given bank according to an embodiment of the present invention.

In more detail, in FIG. 19, a predetermined customer registers a customer approval information through a predetermined information registration interface, and the FNA shown in FIG. 15 is operated on the FNA opened through the FNA establishment system shown in FIG. At least one customer information and approval information is included to transfer the target beneficiary certificate, which is confirmed by the system, to a predetermined financial instrument, from the fund manager (or the securities company) to the FNA of the bank. The present invention relates to a system configuration for linking and processing the customer information and approval information included in the provided transfer approval information in the customer approval information registration system in a predetermined storage medium 1930 when the transfer approval information is provided. Those of ordinary skill in the art, when opening the FNA by referring to and / or modified in this figure 19 A customer who transfers a target beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA management system into a predetermined financial product to a FNA of a predetermined bank in a FNA opened through the system. Various implementation methods for the configuration of the approval information registration system 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.

Hereinafter, at least one means and / or functional configuration for storing the previous approval information provided from the customer in the storage medium 1930 on the customer approval information registration system shown in FIG. 19 through a predetermined information registration interface. The component corresponding to the term " information registration server 1900 "

Referring to FIG. 19 according to an embodiment of the present invention, a convertible beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product is set in a FNA opened through the FNA establishment system. Customer approval information registration system for transfer from the fund manager (or securities company) to the FNA of a predetermined bank, characterized in that it comprises an information registration terminal (1935) including a window terminal provided at at least one branch of the financial institution In addition, the information registration terminal 1935 is connected to the communication channel and the information registration server 1900 provided on the customer approval information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer is a fund manager to convert the beneficiary certificates identified in the FNA management system into a predetermined financial product in the FNA opened through the FNA establishment system (Or a securities company) visits the financial institution branch for transfer to the FNA of a given bank, and the FNA opened through the FNA establishment system through a window provided at the financial institution branch (or through a teller). A prescribed application (eg, the FNA) for transferring a beneficiary certificate to be converted from a given fund manager (or a securities company) to a FNA of a given bank for converting the predetermined beneficiary certificate identified in the FNA management system into a predetermined financial instrument. In order to convert predetermined beneficiary certificates identified in the FNA operation system into predetermined financial instruments in the FNA opened through the establishment system Fill out the form to fill in at least one item of information for transfer of the beneficiary certificate subject to exchange from a given fund manager (or securities company) to the FNA of a given bank, and submit the completed application to the teller. The counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal registers the input (or selected) information through the financial network in the customer approval information registration system. It is preferable to transmit to the information registration server 1900 provided on the.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1900 connected to the teller terminal on the predetermined financial system 120 It is preferable to include a ledger server provided, wherein the financial network connecting the teller terminal and the information registration server 1900 includes a branch network connecting the communication channel between the teller terminal and the information registration server 1900. It is preferable to make.

In the customer approval information registration system as described above, an application written by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 1900 are established by the customer. Transfer the target beneficiary certificate to convert the specified beneficiary certificate identified in the FNA management system into the predetermined financial product to the FNA opened by the system from the predetermined fund manager (or securities company) to the FNA of the predetermined bank. It performs the function of the information registration interface for registering approval information.

The storage medium 1930 provided on the customer approval information registration system according to the present invention stores the predetermined information by linking the customer information and the approval information included in the previous approval information provided from the information registration terminal 1935. And transfer approval information including at least one of customer information and approval information stored in the storage medium 1930 to the FNA opened through the FNA establishment system. The convertible beneficiary certificates for converting the predetermined beneficiary certificates identified in the banks into predetermined financial instruments are used for transfer from the predetermined fund manager (or securities company) to the FNA of the predetermined bank.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. ) At least one or more).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

According to one embodiment of the invention, the storage medium 1930 is preferably provided in the DBMS on the financial system 120 provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 1930 may be a ledger D / B (275) provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B (275). The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 1930 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 customer approval information registration system according to the present invention is a generic term for the customer approval information registration system side component connected to the information registration terminal 1935 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 1935 is a window terminal connected to a predetermined financial network, the information registration server 1900 is connected to the window terminal through a predetermined financial network. A ledger server provided on 120 and / or a server (or device) provided on the external system on the financial system 120, and / or a program provided on the external system on the financial system 120. The present invention is not limited thereby.

According to the method of the present invention, the information registration server 1900 is characterized in that it comprises an interface unit 1905 for connecting and managing a predetermined communication channel with the information registration terminal 1935 through the financial network. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 1935 is a window terminal connected to a predetermined financial network, the interface unit 1905 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. 19, the information registration server 1900 connects a communication channel with the information registration server 1900 through a predetermined information registration terminal 1935 through the interface unit 1905, and then the interface unit ( An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined previous approval information from the information registration terminal 1935 in cooperation with 1905 and providing the information registration terminal 1935 to the information registration terminal 1935. An information receiving unit 1915 for receiving predetermined previous approval information that is input (or selected) and transmitted from the information registration terminal 1935 through the user interface in association with the providing unit 1910 and the interface unit 1905. And, the validity confirmation unit 1920 to check the validity of the received previous approval information, and the customer information, the approval information included in the previous approval information confirmed the validity by processing And an information storage unit 1925 for storing in the definition storage medium 1930.

The interface providing unit 1910 is provided in the information registration terminal 1935 after a predetermined information registration terminal 1935 connects a communication channel with the information registration server 1900 through the interface unit 1905. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the previous approval information and transmitting the information to the information registration server 1900 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 1905 to the information registration terminal 1935 through the financial network.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the previous approval information to the information registration terminal 1935 and transmits the information to the information registration server 1900 through the financial network. When a predetermined information registration program is provided, the interface providing unit 1910 for providing the user interface to the information registration terminal 1935 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1935 inputs (or selects) previous approval information including at least one of the customer information and approval information based on the user interface, and inputs the input (or selected) previous approval information. The information registration server 1900 is transmitted through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1935 is a window terminal connected to a predetermined financial network, the interface providing unit 1910 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 counter terminal through the interface unit 1905.

When the information receiving unit 1915 inputs (or selects) previous approval information including at least one of customer information and approval information through the user interface, the information registration terminal 1935 transmits the information through the financial network. The previous approval information may be received in association with an interface unit 1905, and the received previous approval information is provided to the validity confirming unit 1920.

The validity checker 1920 converts a predetermined beneficiary certificate, confirmed by the FNA operating system, into a predetermined financial product, in a FNA in which previous approval information received from the information registration terminal 1935 is opened through the FNA establishment system. It is characterized in that the conversion target beneficiary securities for a predetermined fund manager (or securities company) to check whether the validity for the transfer to the FNA of the predetermined bank.

According to an embodiment of the present invention, the validity confirmation of the transfer approval information is at least one or more matching the transfer approval information to the ledger D / B (275) on the financial system 120 associated with the customer approval information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 275 on the financial system 120 linked to the customer approval information registration system. It is preferable to include checking whether or not.

When the validity of the previous approval information is confirmed, the information storage unit 1925 may process the customer information and the approval information included in the previous approval information in association with the storage medium 1930 and store the same. When a storage medium 1930 is provided in the information registration server 1900 or on a network associated with the information registration server 1900, the information storage unit 1925 is included in the received previous approval information. It is preferable to store the stored customer information, approval information in association with the storage medium 1930, the storage medium 1930 is provided in the DBMS provided on the financial system 120, the information storage unit ( 1925 is preferably stored in the DBMS provided on the financial system 120 by providing the customer information, the approval information included in the received previous approval information to the information system through the external system on the financial system 120.

20 shows a ledger D / B 275 provided in a DBMS on the financial system 120 in a face-to-face manner for transfer from a given fund manager (or securities company) to a FNA of a given bank in accordance with one embodiment of the present invention. A diagram showing stored previous approval information configuration.

More specifically, in FIG. 20, when the storage medium 1930 illustrated in FIG. 19 is the ledger D / B 275 provided in the DBMS on the financial system 120, the ledger D / B 275 is provided. FIG. 20 illustrates an information structure for an implementation method in which transfer approval information including the customer information and approval information is stored in the ledger information. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various information construction methods for storing the previous approval information in the ledger D / B 275, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 275 provided in the DBMS on the financial system 120 includes a predetermined customer ledger and an account associated with the customer ledger. Ledgers (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person of ordinary skill in the art to which the present invention belongs, the financial system 120 In the ledger D / B 275 provided in the DBMS on), at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be apparent that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Omitted costumes.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area 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 of an account number, a waiver (month), a period (days), an extension, a maturity date, and a 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. 20, the transfer approval information provided through the customer approval information registration system shown in FIG. 19 is stored in the form of additional information added to the account ledger. The transfer approval information is customer information and approval. Characterized in that it comprises at least one or more information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

According to another exemplary embodiment of the present invention, the transfer approval 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 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.

21 is a ledger D / B 275 provided in a DBMS on a financial system 120 in a face-to-face manner for transfer from a given fund manager (or securities firm) to a FNA of a given bank in accordance with another embodiment of the present invention. Is a diagram illustrating a configuration of previous approval information stored in a database associated with a.

More specifically, FIG. 21 illustrates an exemplary embodiment in which the storage medium 1930 illustrated in FIG. 19 is stored in a predetermined database linked to the ledger D / B 275 included in the DBMS on the financial system 120. As shown in FIG. 21, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 21 to transfer the previous approval information to a predetermined database in the ledger D / B 275. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 21, when it is not easy to store the transfer approval information in the ledger information of the ledger D / B 275 on the DBMS provided on the financial system 120 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 275 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 120), the transfer approval to a predetermined database instead of the ledger D / B 275 A method of storing information and storing the information in association with the database and the ledger D / B 275 is illustrated.

In addition, the database shown in FIG. 21 does not have to be provided on the DBMS provided on the financial system 120 as in the embodiment shown in FIG. 21, and the database on the Internet banking system according to the intention of the skilled person. 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. 21, the database may store and store customer information and approval information included in the previous approval information, and the previous approval information may be processed in connection with the ledger D / B 275. Preferably, the previous approval information further includes a CIF number corresponding to the ledger information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a fund management company (or a securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferred to mean the approval of the customer associated with the customer information for transfer to the FNA of a given bank.

22 is a view illustrating a structure of transfer approval information stored in a DBMS provided in the banking server 2200 in a face-to-face manner in order to transfer from a predetermined fund manager (or a securities company) to a FNA of a predetermined bank according to another exemplary embodiment of the present invention. Figure is shown.

More specifically, in Figure 22, a predetermined banking system in which the storage medium 1930 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. One embodiment of the method provided in the DBMS provided in the server 2200, and those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It is possible to infer a method of constructing information on previous approval information stored in a predetermined DBMS provided at 2200, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

Referring to FIG. 22, a predetermined DBMS provided in the banking server 2200 may store and store customer information and approval information included in the previous approval information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

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

In more detail, in FIG. 23, the information registration server 1900 on the customer approval information registration system shown in FIG. 19 functions as a ledger server (not shown) on the financial system 120 linked to the counter terminal through a predetermined financial network. In the case of having a, the window terminal is connected to the information registration server 1900 to connect a communication channel for customer approval registration according to the present invention, and then through the communication channel to the information registration server 1900 When the transfer approval information including the customer information and the approval information is transmitted, the predetermined information storage medium 1930 is linked to the customer information and the approval information included in the received transfer approval information by the information registration server 1900. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 to register the information in the counter terminal. Various implementation methods for registering the transfer approval information with the server 1900 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.

Hereinafter, in FIG. 23, the window terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the information registration server 1900 shown in FIG. 19 is referred to as "server" for convenience, and the information is registered in the window terminal. The customer information and the approval information transmitted to the server 1900 are referred to as "previous approval information" for convenience.

Referring to FIG. 23, a window terminal shown in FIG. 19 is connected to the server through a predetermined financial network, connects a predetermined communication channel for registering the transfer approval information, and is established through the FNA establishment system. The FNA registers the transfer approval information for transferring the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operation system into the predetermined financial product from the predetermined fund manager (or securities company) to the FNA of the predetermined bank. Upon request (2300), the server generates (or extracts) a predetermined information registration interface for registering the previous approval information (2305), and generates the information registration interface generated (or extracted) through the communication channel. The terminal transmits the output to the terminal (2310).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) previous approval information including at least one of the customer information and the approval information in the terminal.

Thereafter, the terminal inputs (or selects) previous approval information including at least one or more customer information and approval information through the information registration interface (2315).

If the terminal receives (or selects) previous approval information including the customer information and the approval information through the information registration interface (2320), the terminal receives the input (or selected) customer information through the financial network. In operation 2325, previous approval information including the approval information is transmitted to the server.

Thereafter, the server receives and reads the customer information and the approval information through the financial network to check the validity of the previous approval information (2330).

According to an embodiment of the present invention, the validity confirmation of the transfer approval information is at least one matching the transfer approval information to the ledger D / B 275 on the financial system 120 associated with the customer approval information registration system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 275 on the financial system 120 linked to the customer approval information registration system. It is preferable to include checking whether or not.

If the validity of the previous approval information is not authenticated (2335), the server generates predetermined information registration error information and transmits it to the terminal (2340), and does not perform the information registration procedure corresponding to the previous approval information. Do not.

On the contrary, if the validity of the previous approval information is authenticated (2335), the server performs an information registration procedure corresponding to the previous approval information, thereby linking the customer information and the approval information to a predetermined storage medium 1930. Save (2345).

According to one embodiment of the invention, the storage medium 1930 is preferably provided in the DBMS on the financial system 120 provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 1930 is a ledger D / B (275) provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B (275). As such, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 (2350), thereby completing the procedure of registering the previous approval information transmitted from the terminal.

24 is a diagram illustrating a non-face-to-face customer approval information registration system for transferring from a given fund manager (or securities company) to an FNA of a given bank according to another embodiment of the present invention.

More specifically, FIG. 24 shows a FNA shown in FIG. 15 in a FNA established by a predetermined customer through the FNA establishment system shown in FIG. 2 or 9 as a customer approval information registration system through a predetermined information registration interface. At least one customer information and approval information is included to transfer the target beneficiary certificate, which is confirmed by the management system, to the predetermined financial instrument, from the predetermined fund manager (or securities company) to the FNA of the bank. When providing the previous approval information, the customer approval information registration system for the system configuration for storing in a predetermined storage medium 2430 by processing the customer information, the approval information included in the provided transfer approval information in a predetermined storage medium, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to open the FNA. A customer who transfers a target beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA operation system into a predetermined financial product to a FNA of a predetermined bank from an established fund manager (or a securities company) Various implementation methods for the configuration of the approval information registration system may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing transfer approval information provided from the customer in the storage medium 2430 through a predetermined information registration interface on the customer approval information registration system shown in FIG. The corresponding component is referred to as " information registration server 2400 " for convenience.

Referring to FIG. 24 according to an embodiment of the present invention, a convertible beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product is set in a FNA opened through the FNA establishment system. The customer approval information registration system for transferring from a fund manager (or securities company) to an FNA of a predetermined bank includes information registration including at least one client terminal including at least one wired terminal and / or wireless terminal used by the customer. And a terminal 2435. The information registration terminal 2435 is connected to a communication channel with an information registration server 2400 provided on the customer approval information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 2400 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, Convertible beneficiary certificates for converting predetermined beneficiary certificates identified in the FNA operating system into predetermined financial instruments in the FNA opened through the FNA establishment system through at least one user interface provided by the information registration server 2400. Input (or select) transfer approval information for transfer from a predetermined fund manager (or securities firm) to the FNA of a given bank, the client terminal is provided on the customer approval information registration system through a predetermined network means. It is preferable to transmit to the information registration server 2400.

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

In addition, the information registration server 2400 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 2400 may be 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 2400, and inputs and / or selects at least one or more information through the user interface to the information registration server 2400. It is preferable that a function configuration (for example, a browser program and communication function, or a predetermined communication program and communication function to communicate with the information registration server 2400, etc.) is provided.

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

In the customer approval 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 2400. The communication network and / or the wireless communication network may convert a predetermined beneficiary certificate to be converted into a predetermined financial instrument from a predetermined fund manager (or a predetermined fund manager) in the FNA opened by the customer through the FNA establishment system. Securities firm) performs the function of the information registration interface for registering the transfer approval information for transfer to the FNA of a predetermined bank.

According to another exemplary embodiment of the present invention, the information registration terminal 2435 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 customer approval information registration system as described above, when the information registration terminal 2435 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 2400 may convert a predetermined beneficiary certificate for converting a predetermined beneficiary certificate checked by the FNA operating system into a predetermined financial product to the FNA opened by the customer through the FNA establishment system. A fund manager (or securities company) performs a function of an information registration interface for registering transfer approval information for transfer to a FNA of a predetermined bank, and / or the information registration terminal 2435 is connected to the call terminal (not shown). Is 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 2400. In the FNA opened through the FNA establishment system, a convertible beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA operation system into a predetermined financial product is transferred from a predetermined fund manager (or a securities company) to an FNA of a predetermined bank. A terminal (and / or server) provided at an institution affiliated with the financial institution, which is the information registration terminal 2435, and / or performs a function of an information registration interface for registering transfer approval information for transfer (not shown) ), The network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 2400 is the customer to the FNA establishment system A predetermined fund manager (or a securities company) selects a target beneficiary certificate for converting a predetermined beneficiary certificate identified in the FNA operation system into a predetermined financial product in a FNA opened through It performs the function of the information registration interface for registering information for prior approval of the Bank prior to the FNA.

The storage medium 2430 provided on the customer approval information registration system according to the present invention stores the predetermined information by linking the customer information and the approval information included in the previous approval information provided from the information registration terminal 2435. And transfer approval information including at least one of customer information and approval information stored in the storage medium 2430 to the FNA opened through the FNA establishment system. The convertible beneficiary certificates for converting the predetermined beneficiary certificates identified in the banks into predetermined financial instruments are used for transfer from the predetermined fund manager (or securities company) to the FNA of the predetermined bank.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on the financial system 120 provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 2430 may be a ledger D / B 275 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 275. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 2400 provided on the customer approval information registration system according to the present invention is a general term for the customer approval information registration system side component connected to the information registration terminal 2435 through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to an embodiment of the present invention, when the information registration terminal 2435 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 2400 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accessible to the external system of the financial system 120 through the Internet banking system. A server (or device), a program included in the server (or device), and / or on the financial system 120 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system 120, thereby The present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 2435 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2400 is the wireless banking. A predetermined server provided on the system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 120 through the wireless banking system ( Or a device), a program included in the server (or device), and / or in the external system on the financial system 120 accessible through the wireless banking server (and / or the server (or device)). Server (or device), and / or a program provided in the external world on the financial system 120, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the information registration terminal 2435 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2400 may perform the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or the financial system 120 through the telebanking system. A 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 financial system 120, and / or a program provided in the external system on the financial system 120, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 2435 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 2400 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 120 through the TV banking system. A foreign system on the financial system 120 that is a server (or device), a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 120, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 2400 is provided with an interface unit 2405 for connecting and managing a predetermined communication channel with the information registration terminal 2435 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2435 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2405 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 2405 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 2400, the interface unit 2405 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 2435 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2405 may implement 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 2405 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 2400, the interface unit 2405 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 2435 is a financial automatic device connected to a predetermined financial network, the interface unit 2405 may be configured 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 2435 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2405 may connect 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 2405 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 2435 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 2405 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. 24, the information registration server 2400 connects a communication channel with the information registration server 2400 via a predetermined information registration terminal 2435 through the interface unit 2405, and then the interface unit ( 2405, an interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined transfer approval information from the information registration terminal 2435 and providing the information registration terminal 2435 to the information registration terminal 2435. An information receiving unit 2415 that receives predetermined previous approval information that is input (or selected) and transmitted from the information registration terminal 2435 through the user interface in cooperation with the providing unit 2410 and the interface unit 2405. And an information storage unit 2525 for cooperatively processing the customer information and the approval information included in the received previous approval information and storing it in a predetermined storage medium 2430. The.

The interface providing unit 2410 is provided in the information registration terminal 2435 after a predetermined information registration terminal 2435 connects a communication channel with the information registration server 2400 through the interface unit 2405. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the previous approval information to be transmitted to the information registration server 2400 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 2405 to the information registration terminal 2435 through the network means.

Thereafter, the information registration terminal 2435 inputs (or selects) previous approval information including at least one of the customer information and the approval information based on the user interface, and inputs the input (or selected) previous approval information. The information registration server 2400 is transmitted through the financial network.

According to an embodiment of the present invention, when the information registration terminal 2435 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 providing unit 2410. 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 2405. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 2435 is a financial automation device connected to a predetermined financial network, the interface providing unit 2410 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 2405.

According to another exemplary embodiment of the present invention, when the information registration terminal 2435 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2410 may include 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 2405.

According to another exemplary embodiment of the present invention, when the information registration terminal 2435 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2410 is the call terminal (shown). Generate (or extract) a predetermined user interface which can be provided as an omission, and the call terminal (not shown) via the interface unit 2405 to generate the user interface (eg, ARS based user interface). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 2435 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2410 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 2405. .

In accordance with another embodiment of the present invention having at least one user interface for inputting (or selecting) the previous approval information to the information registration terminal 2435 to the information registration server 2400 via the network means; When a predetermined information registration program is provided, the interface providing unit 2410 which provides the user interface to the information registration terminal 2435 may be omitted, and the present invention is not limited thereto.

When the information receiving unit 2415 inputs (or selects) previous approval information including at least one of customer information and approval information through the user interface, the information registration terminal 2435 transmits the information through the network means. And receiving the previous approval information in cooperation with an interface unit 2405, and provide the received previous approval information to the validity confirming unit 2420.

The validity confirming unit 2420 converts the predetermined beneficiary certificate confirmed by the FNA operation system into a predetermined financial product in the FNA in which the previous approval information received from the information registration terminal 2435 is opened through the FNA establishment system. It is characterized in that the conversion target beneficiary securities for a predetermined fund manager (or securities company) to check whether the validity for the transfer to the FNA of the predetermined bank.

According to an embodiment of the present invention, the validity confirmation of the transfer approval information is at least one or more matching the transfer approval information to the ledger D / B (275) on the financial system 120 associated with the customer approval information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 275 on the financial system 120 linked to the customer approval information registration system. It is preferable to include checking whether or not.

When the validity of the previous approval information is confirmed, the information storage unit 2425 may process the customer information and the approval information included in the previous approval information in association with the storage medium 2430 and store the same in the storage medium 2430. When a storage medium 2430 is provided in the information registration server 2400 or on a network associated with the information registration server 2400, the information storage unit 2425 includes the received previous approval information. It is preferable to store the stored customer information, approval information in association with the storage medium 2430, and when the storage medium 2430 is provided in the DBMS provided on the financial system 120, the information storage unit ( 2425 is preferably stored in the DBMS provided on the financial system 120 by providing the customer information, approval information included in the received previous approval information to the information system through the external system on the financial system 120.

25 illustrates a ledger D / B 275 provided in a DBMS on a financial system 120 in a non-face-to-face manner for transfer from a given fund manager (or securities firm) to a FNA of a given bank in accordance with one embodiment of the present invention. FIG. 7 is a diagram illustrating a configuration of previous approval information stored in FIG.

In more detail, in FIG. 25, when the storage medium 2430 illustrated in FIG. 24 is the ledger D / B 275 provided in the DBMS on the financial system 120, the ledger D / B 275 is provided. An information structure for an exemplary embodiment of storing transfer approval information including the customer information and approval information in ledger information is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to this figure 25 And / or may be modified to infer various information construction methods for storing the previous approval information in the ledger D / B 275, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 25 according to an exemplary embodiment of the present invention, the ledger information provided in the ledger D / B 275 provided in the DBMS on the financial system 120 includes a predetermined customer ledger and an account associated with the customer ledger. Ledgers (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person of ordinary skill in the art to which the present invention belongs, the financial system 120 Ledger D / B (275) provided in the DBMS on the) at least one or more ledgers (e.g., loan ledger, mortgage ledger, ... etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 25 It will be apparent that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Omitted costumes.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area 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. 25, the transfer approval information provided through the customer approval information registration system shown in FIG. 24 is stored in the form of additional information added to the account ledger. The transfer approval information is customer information and approval. Characterized in that it comprises at least one or more information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

According to another exemplary embodiment of the present invention, the transfer approval 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 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.

26 illustrates a ledger D / B 275 provided in a DBMS on a financial system 120 in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a FNA of a given bank in accordance with another embodiment of the present invention. Is a diagram illustrating a structure of previous approval information stored in a database associated with

More specifically, FIG. 26 illustrates an embodiment in which the storage medium 2430 illustrated in FIG. 24 is stored in a predetermined database linked to the ledger D / B 275 included in the DBMS on the financial system 120. As shown in the information structure, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 26 to transfer the previous approval information to a predetermined database in the ledger D / B 275. It will be able to infer a variety of information configuration method for storing in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 26, when it is not easy to store the transfer approval information in the ledger information of the ledger D / B 275 on the DBMS provided on the financial system 120 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 275 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 120), the transfer approval to a predetermined database instead of the ledger D / B 275 It shows an implementation method of storing the information, the database and the ledger D / B (275) in a coordinated process.

In addition, the database shown in FIG. 26 does not have to be provided on a DBMS provided on the financial system 120 as in the embodiment method shown in FIG. 26, and the database on the Internet banking system according to the intention of the 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. 26, the database may store and store the customer information and the approval information included in the previous approval information, and the previous approval information may be processed in association with the ledger D / B 275. Preferably, the previous approval information further includes a CIF number corresponding to the ledger information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. ) At least one or more).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

27 is a transfer approval information stored in a DBMS provided in the banking server 2700 in a non-face-to-face manner in order to transfer from a predetermined fund manager (or a securities company) to a FNA of a predetermined bank according to another embodiment of the present invention. Figure is a diagram.

More specifically, FIG. 27 illustrates a predetermined banking system in which the storage medium 2430 shown in FIG. 24 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 2700, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It is possible to infer a method of constructing information on previous approval information stored in a predetermined DBMS provided in 2700, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

Referring to FIG. 27, a predetermined DBMS provided in the banking server 2700 may store and store customer information and approval information included in the previous approval information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 120 linked to the FNA establishment system shown in FIG. 2 or 9 in response to the customer by subscribing as a customer. (Number) and the like).

In addition, the approval information is a predetermined fund manager (or securities company) to convert the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA operating system into a predetermined financial product in the FNA opened through the FNA establishment system. It is preferable to mean the approval of the customer associated with the customer information for transfer to the Bank of FNA.

28 is a diagram illustrating a process of registering transfer approval information in a non-face-to-face manner in order to transfer to a FNA of a predetermined bank from a predetermined fund manager (or securities company) according to an exemplary embodiment of the present invention.

More specifically, FIG. 28 shows the client terminal when the information registration server 2400 on the customer approval information registration system shown in FIG. 24 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 2400 and connecting a communication channel for registering customer approval information according to the present invention, and including the customer information, approval information to the information registration server 2400 through the communication channel When the transfer approval information is transmitted, the information registration server 2400 relates to an implementation method of storing the customer information, the approval information included in the received transfer approval information in a predetermined storage medium 2430, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 28 to provide the information at the client terminal. Although various implementation methods for registering the transfer approval information with the registration server 2400 may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 28, the client terminal shown in FIG. 24 is referred to as "terminal" for convenience, and the information registration server 2400 shown in FIG. 24 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information and approval information transmitted to the server 2400 are referred to as "previous approval information" for convenience.

Referring to Figure 28, the client terminal shown in Figure 24 is a predetermined network means (e.g., when the client terminal is a wired terminal, TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based Access a server through a mobile communication network and / or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the transfer approval information, and operate the FNA on an FNA established through the FNA establishment system. When the transfer target beneficiary certificate for converting the predetermined beneficiary certificate confirmed by the system into the predetermined financial instrument is requested to register the transfer approval information for transfer from the predetermined fund manager (or securities company) to the FNA of the predetermined bank (2800) The server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the previous approval information (2805). In operation 2810, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) previous approval information including at least one of the customer information and the approval information in the terminal.

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

Thereafter, the terminal inputs (or selects) previous approval information including at least one or more customer information and approval information through the information registration interface (2815).

If the terminal receives (or selects) previous approval information including the customer information and approval information through the information registration interface (2820), the terminal receives the input (or selected) customer information through the communication channel. The authorization information is transmitted to the server (2825).

According to an embodiment of the present invention, transmitting the customer information and approval information input (or selected) through the communication channel to the server may include the previous approval information input (or selected) through the information registration interface. The method may further include transmitting the electronic signature and / or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the approval information through the communication channel to confirm the validity of the previous approval information (2830).

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

According to an embodiment of the present invention, the validity confirmation of the transfer approval information is at least one or more matching the transfer approval information to the ledger D / B (275) on the financial system 120 associated with the customer approval information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 275 on the financial system 120 linked to the customer approval information registration system. It is preferable to include checking whether or not.

If the validity of the previous approval information is not authenticated (2835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2840), and information corresponding to the previous approval information. Do not perform the registration process.

On the other hand, if the validity of the previous approval information is authenticated (2835), the server performs an information registration procedure corresponding to the previous approval information, thereby linking the customer information and the approval information to a predetermined storage medium 2430 Save (2845).

According to one embodiment of the invention, the storage medium 2430 is provided in the DBMS on the financial system 120 provided on the customer approval information registration system (or associated with the customer approval information registration system). Preferably, the storage medium 2430 is a ledger D / B (275) provided in the DBMS on the financial system 120, and / or is a predetermined database associated with the ledger D / B (275). As such, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 (2850), thereby completing the procedure of registering the previous approval information transmitted from the terminal.

29A and 29B illustrate a process of registering transfer approval information in a non-face-to-face manner for transferring to a FNA of a predetermined bank from a predetermined fund manager (or securities company) according to another exemplary embodiment of the present invention.

In more detail, FIGS. 29A and 29B illustrate a case in which the client approval information registration system shown in FIG. 24 is implemented 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 banking server (for example, the Internet), a predetermined beneficiary certificate confirmed by the FNA management system is stored in the FNA opened through the FNA establishment system at the client terminal. It includes the customer information and approval information to the Internet banking server, the predetermined transfer approval information for the transfer of the target beneficiary certificate for conversion to a predetermined financial product from a predetermined fund manager (or a securities company) to the FNA of a given bank. When the previous approval information is transmitted, the information registration server 2400 to the received previous approval information An embodiment of the present invention relates to an implementation method of linking and processing included customer information and approval information in a predetermined storage medium 2430. Those skilled in the art may refer to the drawings 29a and 29b. And / or may be modified to infer various implementation methods for registering the transfer approval information from the client terminal to the information registration server 2400, but the present invention includes all the implementation methods inferred, this figure 29a And the implementation method shown in Fig. 29B.

That is, the browser program 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 Figures 29a and 29b, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering transfer approval 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, this figure Refer to and / or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 29A and 29B to transfer between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal. Approval Information It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for a lock, but the present invention includes an 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 modify the Internet banking-based financial transaction channel connection method shown in Figures 29a and 29b, a telebanking system And / or inferring a method of connecting a non-face-to-face channel-based financial transaction channel for previous approval information registration in another banking system such as a wireless banking system and / or a TV banking system, but the present invention provides the telebanking system. And / or all types of non-face-to-face channel based financial transactions including wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future, the technical configuration of the present invention being described with reference to FIGS. It is by no means limited to the case of Internet banking shown in 29b.

In the following Figures 29a and 29b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 2400 is referred to as "server" for convenience.

29A and 29B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2900a), the server communicates between the terminal and the server through the browser. (2905a), where 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 (2910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or 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 (2915a), 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 install and / or update 2920a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2925a), or if the terminal does not need to install and / or update the Internet banking security module (2915a), 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 (2930a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). 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 information to the server for registration of previous approval information in the terminal. Or a predetermined electronic 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 exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or 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 the information to be provided from the terminal to the server for registration of previous approval information. (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 (2935a).

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

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 (2940a), 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 transactions based on the customer authentication data received from the terminal. (2945a).

If the Internet banking customer authentication fails (2950a), the server blocks the Internet banking security channel for the terminal (2955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (2950a), 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 (2960a), where the Internet banking based A financial transaction channel refers to a fund manager that converts a beneficiary certificate to be converted into a predetermined financial product from the terminal to the server through the FNA establishment system. (Or a securities company) means a communication channel through which predetermined transfer approval information for transferring to a FNA of a predetermined bank can be registered.

Thereafter, when the terminal requests internet banking based transfer approval information registration to the server through the inter-banking-based financial transaction channel for registration of transfer approval information (2900b), the server provides a predetermined number for the transfer approval information registration. A web page corresponding to the information registration interface is generated (or extracted) (2905b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (2910b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) previous approval information including at least one of customer information and approval information in the terminal, and / or the In order to verify the validity of the transfer approval information and / or the Internet banking customer requesting registration of the transfer approval information, a predetermined password (eg, an account password, etc.) and / or a security code (eg, the Internet banking application Security code printed on the security card issued) and / or one time password (OTP) (e.g., during the internet banking application process (or after internet banking application), the OTP authenticator (or OTP authentication program) provided to the customer by the financial institution. It is preferable to further include an interface for inputting a one-time password generated through).

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

Thereafter, the terminal inputs (or selects) previous approval information including at least one of the customer information and the approval information through the information registration interface (2915b).

If the terminal receives (or selects) transfer approval information including the customer information and the approval information through the information registration interface (2920b), the terminal transfers the input (or selects) through the financial transaction channel. The authorization information is transmitted to the server (2925b).

According to the exemplary embodiment of the present invention, transmitting the previous approval information input (or selected) through the financial transaction channel to the server may include the previous approval 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 previous approval information through the financial transaction channel to check the validity of the previous approval information (2930b).

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

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

According to an embodiment of the present invention, the validity confirmation of the transfer approval information is at least one or more matching the transfer approval information to the ledger D / B (275) on the financial system 120 associated with the customer approval information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 275 on the financial system 120 linked to the customer approval information registration system. It is preferable to include checking whether or not.

If the validity of the previous approval information is not authenticated (2935b), the server generates a web page including predetermined transfer approval information registration error information and transmits it to the terminal (2940b) and corresponds to the previous approval information. Do not perform the information registration procedure.

On the other hand, if the validity of the previous approval information is authenticated (2935b), the server performs an information registration procedure corresponding to the previous approval information, thereby linking the customer information and the approval information included in the previous approval information to a predetermined process. The data is stored in the storage medium 2430 (2945b).

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on the financial system 120 provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 2430 may be a ledger D / B 275 provided in the DBMS on the financial system 120, and / or a predetermined database associated with the ledger D / B 275. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 transfer approval information registration history information and transmits the generated webpage to the terminal (2950b), thereby completing registration of transfer approval information transmitted from the terminal.

30 is a diagram showing the configuration of an entire system for automatically converting a predetermined beneficiary certificate into a banking instrument according to one embodiment of the present invention.

In more detail, the drawing 30 transfers the beneficiary certificates deposited by the customer to the account of the fund manager (or securities company) by the process shown in FIG. 46, and the process shown in FIG. The beneficiary certificate shall be terminated by a termination process which includes at least one of the beneficiary certificates or at least one beneficiary certificate previously deposited in the bank's securities affiliate account. A diagram showing the overall configuration of a system for re-investing and reinvesting a deposit deposited into a security partnership account through a settlement of the canceled beneficiary certificate to a predetermined banking financial instrument, and having ordinary knowledge in the field of the present invention. If a predetermined customer is deposited in an account of a predetermined fund manager (or securities company), the present invention is referred to and modified with reference to FIG. The beneficiary certificate is terminated by a revocation process including transferring at least one beneficiary certificate, canceling the transferred beneficiary certificate, or at least one beneficiary certificate previously deposited in a bank's securities affiliate account. It may be possible to infer various implementation methods of the system for reinvesting deposits deposited into securities affiliate accounts in a predetermined bank financial instrument through the settlement of the beneficiary certificates, but the present invention includes all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify this drawing 30, the securities cooperation account opening system 3000, the securities cooperation account operating system 3005, and customer approvals shown in this drawing 30. The information registration system may be operated as at least one or more systems, and the system may be inferred from various implementation methods provided in the financial system 3020 or the depository system 3015. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention belongs, the securities affiliated account opening system 3000, securities affiliated account operating system 3005, customer approval shown in this figure 30 with reference to and modified in this figure 30 Although it may be operated in the form of a DBMS (Database Management System) including at least one or more D / B located in the information registration system, the present invention includes all the implementation methods inferred above, shown in Figure 30 It is not limited to the method alone.

Referring to FIG. 30 according to an embodiment of the present invention, in addition to the bank transaction provided by the bank, a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided. Securities Affiliate Account Opening System (3000), a Securities Affiliate Account Management System (3005) for identifying a target account for converting beneficiary certificates sold by the fund manager (or a securities company) into a banking instrument, and the fund manager ( Or a securities company), a face-to-face customer approval information registration system for transferring from a bank to a securities affiliate account, and a depository system 3015 that acts as an intermediary for the transaction of beneficiary securities between the bank and the fund manager (or securities company); A financial system provided with a ledger corresponding to a security partnership account opened through the security partnership account opening system 3000. 3020, and a terminal device including at least one of a face-to-face channel (eg, a window terminal, etc.) or a non-faced channel (eg, a wired terminal, a wireless terminal, etc.) for the customer to register customer approval information. Characterized in that made.

According to the present invention, the securities partnership account opening system allows a given customer to have predetermined customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or Money Market Funds (MMF). A) a securities cooperation account application including at least one product information and at least one beneficiary information, and submitting the application to a window provided in the bank, the bank corresponding to the securities cooperation account application; Securities partnership account for receiving financial transaction services including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by the predetermined banks based on the account subscription application information. Open a predetermined, and store the predetermined information of the security partnership account for managing the security partnership account It is characterized in that the storage on the medium.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the bank). By subscribing, the member ID information, or CIF (e.g., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system 3000 shown in FIG. 31 or 38 corresponding to the customer) Customer Information File) number, etc.) is preferably included.

The beneficiary certificate information is a beneficiary certificate that the customer purchases a predetermined beneficiary certificate sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in a securities affiliate account subscription application when opening a securities affiliate account. It is preferable to mean numbers.

In addition, the securities affiliated account opening system allows a given customer to receive a predetermined customer information, account information, Certificate of Deposit (CD) or Repurchase Agreements (RP) or a predetermined financial account opening interface. If the bank provides the product information including at least one of the MMF (Money Market Funds) and the securities partnership account subscription information including at least one beneficiary certificate information to the bank, the bank based on the securities affiliate account subscription information Opening a securities partnership account for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to the bank transactions provided by the predetermined bank; Stores securities affiliate account information for managing affiliate account in a predetermined storage medium And that is characterized.

According to the present invention, the securities affiliated account management system 3005 operates the securities affiliated account opened through the securities affiliated account opening system 3000 based on the securities affiliated account information stored in the storage medium, the fund manager ( Or checking the target account for converting the beneficiary certificate sold by the securities company into a banking instrument, and in response to the confirmed result, canceling the beneficiary certificate according to a predetermined customer approval process and converting the beneficiary certificate into a predetermined banking instrument do.

According to the present invention, the customer approval information registration system is a securities affiliated account in a securities partnership account opened by the customer through the securities cooperation account opening system 3000 to a customer approval information registration system through a predetermined information registration interface Customer information and approval information for transferring the target beneficiary certificate to convert the predetermined beneficiary certificate identified in the management system 3005 into the predetermined financial product from the predetermined fund manager (or securities company) to the securities affiliate account of the predetermined bank. When providing the previous approval information including at least one, characterized in that the customer approval information registration system characterized in that the customer information, the approval information included in the provided previous approval information in association with the predetermined storage medium to store.

In addition, the customer approval information registration system is a securities cooperation account operating system to a securities cooperation account established by a predetermined customer through the securities cooperation account opening system 3000 as a customer approval information registration system through a predetermined information registration interface. At least customer information and approval information are transferred to transfer the target beneficiary certificate, which is identified at 3005, from the predetermined fund manager (or the securities company) to the securities affiliate account of the predetermined bank. When providing the previous approval information including one or more, the customer approval information registration system characterized in that the customer information, the approval information included in the previous approval information provided in the linkage processing to store in a predetermined storage medium.

Referring to FIG. 30, the financial system 3020 opens at least one financial account to at least one financial transaction customer, and is provided with a bank to provide at least one financial transaction service based on the financial account. A system comprising: an accounting system for processing a windowing service such as credit or reception or trust or foreign exchange occurring at at least one branch (or window), an information system for processing a headquarters business, a branch information support, and a customer information management; Interconnection between the financial system 3020 and at least one other financial system 3020 (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, Wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to the financial system 3020. And external systems that provide access to and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and furthermore, the financial system 3020 Interface module corresponding to the middleware platform that provides inter-component interfacing in the financial system 3020, and predetermined information (e.g., required for performing each function in the components in the financial system 3020). And a database management system (DBMS) including at least one or more databases for storing and managing ledger information, and / or customer information, and / or management information.

In addition, the financial system 3020 is intended by those skilled in the art and / or the types of banks (eg, commercial banks, savings banks, trust banks) provided with the financial system 3020 and the purpose of the financial system 3020 and Depending on the feature, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and is generally known in the art Those skilled in the art will be familiar with the detailed technical details of the financial system 3020, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 3020, the bank opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for the purpose, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the bank. Ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) It is characterized in that it is linked to and stored as a relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger information according to the type of each bank and the purpose and characteristic of the financial system 3020. In addition to being familiar with at least one ledger additional information corresponding to each other, each ledger information is linked and stored in a relational manner, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial institution server 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, Securities for receiving a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to the bank transactions provided by the predetermined bank through at least one user interface provided When entering (or selecting) the affiliated account subscription information, the client terminal preferably transmits through a predetermined network means to the financial institution server provided on the security account account opening system.

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 based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

31 is provided for receiving a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to an embodiment of the present invention. A diagram illustrating a system of opening a face-to-face securities partnership account.

In more detail, Figure 31 shows a predetermined bank customer application form, including a predetermined customer information, account information, product information on freely withdrawal products that can be traded securities, and beneficiary certificates information to a predetermined bank When submitted to the counter, the bank provides securities transactions provided by securities companies or credit card companies, in addition to bank transactions provided by the predetermined banks, based on the securities cooperation account subscription information corresponding to the securities cooperation account application. A system for opening a security partnership account for receiving a financial transaction service including at least one credit card transaction, etc., and storing the security partnership account information for managing the security partnership account in a predetermined storage medium 3180. As for the person skilled in the art to which the present invention pertains, Securities for providing financial transaction services including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks by referring to and / or modifying the drawing 31. Various implementation methods for the configuration of the first account opening system 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.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may establish a security partnership account by omitting and implementing the method of storing the security account electronic document in the electronic document repository by referring to and / or modifying the drawing 31. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the system for opening the security partnership account is also stored in the electronic document repository even when the electronic document repository is stored in the electronic document repository. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 31, in the method of generating the securities affiliated account electronic document, a securities affiliated account electronic document corresponding to the securities affiliated account application is generated on a server side of the securities affiliated account opening system. Although the present invention is not limited thereto, the securities affiliated account electronic document may be generated on a terminal side that has acquired image contents corresponding to the securities affiliated account application through a predetermined image acquisition device. (For example, the electronic document generation function provided on the server side is provided on the terminal side to generate the securities affiliated account electronic document), whereby the present invention is not limited.

Hereinafter, the customer may open the securities cooperation account in response to the securities cooperation account application and the securities cooperation account subscription information created by the customer through a predetermined financial account opening interface on the securities cooperation account opening system shown in FIG. 31. In addition, at least one means and / or a function corresponding to a functional configuration for generating a predetermined security partnership electronic document and storing the electronic document in a predetermined electronic document storage is referred to as a "financial company server 3815" for convenience.

Referring to FIG. 31 according to an embodiment of the present invention, a financial transaction service including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to the bank transactions provided by the predetermined banks. The securities partnership account opening system for receiving the service is characterized in that it comprises a terminal device 3170 including a window terminal provided in at least one bank branch (or branch), the terminal device 3170 is a predetermined A communication channel is connected to a financial institution server 3815 provided on the securities affiliated account opening system through a financial network.

According to an exemplary embodiment of the present invention, the customer provides a financial transaction service including at least one or more of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. Securities transactions provided by securities companies in addition to the bank transactions provided by the predetermined banks by visiting the bank branch (branch branch) and through (or through the clerk) provided at the bank branch (branch branch); or Application for a predetermined security partnership account for receiving a financial transaction service including at least one credit card transaction provided by a credit card company (for example, a securities transaction or a credit provided by a securities company other than the bank transaction provided by the predetermined bank) Financial services including at least one credit card transaction, etc. provided by the credit card company A document with a form for filling in at least one item of information for receiving the service), wherein the customer is required to seal the customer's seal for the legal basis for the desirable.

Subsequently, when the customer submits the completed securities tiered account application to the clerk, the clerk scans the securities tied account application through a predetermined image acquisition device to acquire predetermined image contents, and then a predetermined clerk terminal. Securities partnership including at least one image content obtained in response to the securities cooperation account application, customer information, account information, commodity information for free withdrawal products that can be traded securities, and beneficiary information Enter (or select) account subscription application information, and in response, the teller terminal receives the image content and the securities affiliate account subscription application information on the securities affiliate account opening system through the financial network. It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by the employee of the bank branch (or branch), the financial company server 3815 connected to the window terminal is provided on the predetermined financial system (3020). It is preferable to include a server (eg, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 3815 is a branch network connecting the communication channel between the teller terminal and the financial company server 3815 It is preferable to comprise a.

In the securities cooperation account opening system as described above, an image acquisition device for acquiring image contents corresponding to the securities cooperation account application prepared by the customer, the teller terminal used by the employee, the teller terminal, and the financial company server 3815. The financial network that connects the securities to the customer to receive a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies in addition to the bank transactions provided by the predetermined bank Perform the function of the financial account opening interface for registering the affiliate account subscription application information.

The storage medium 3180 provided on the securities affiliated account opening system according to the present invention is free to enable the customer information, account information, and securities transactions included in the securities affiliated account subscription information provided from the terminal device 3170. Characterized in that the information on the securities affiliate account including at least one or more product information, beneficiary certificates information for deposit and withdrawal products.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system, etc. It is preferable to comprise at least one or more.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

According to an embodiment of the present invention, the storage medium 3180 is preferably provided in a DBMS on the financial system 3020 provided on the securities affiliated account opening system (or associated with the securities affiliated account opening system). In this case, the storage medium 3180 may be a ledger D / B 3715 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3715. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 3180 may be provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the system for opening a security affiliated account. 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 financial company server 3815 provided on the securities partnership account opening system according to the present invention is a generic term for the components of the securities cooperation account opening system connected to the terminal device 3170 through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 3170 is a teller terminal connected to a predetermined financial network, the financial institution server 3815 may connect to the teller terminal through a predetermined financial network 3020. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the financial system 3020, and / or a program provided in the external world on the financial system 3020, Thereby, this invention is not limited.

According to an exemplary embodiment of the present invention, the financial company server 3815 may include an interface unit 3100 for connecting and managing a predetermined communication channel with the terminal device 3170 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 3170 is a window terminal connected to a predetermined financial network, the interface unit 3100 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 31, when a predetermined terminal device 3170 connects a predetermined communication channel with the financial institution server 3815 through the interface unit 3100, the financial institution server 3815 may be provided at the predetermined bank. In addition to the bank transactions provided by the securities company, or to provide a financial transaction service including at least one or more, such as credit card transactions provided by the credit card company provided a predetermined image acquisition device provided in the terminal device 3170 Obtaining image content corresponding to the securities cooperation account application prepared by the customer through the input, or input (or select) securities cooperation account subscription information corresponding to the securities cooperation account application to transmit to the financial company server (3815) at least Generate (or extract) one or more user interfaces, and generate (or add) the interface in conjunction with the interface unit 3100. The interface providing unit 3105 for providing the user interface to the terminal device 3170 and the securities affiliate account subscription application information corresponding to the security account application form through the user interface are input from the terminal device 3170. (Or select) to transmit, the information receiving unit 3110 for receiving the securities affiliate account subscription information transmitted from the terminal device 3170 in association with the interface unit 3100, and in the terminal device 3170 Based on the user interface, if the image content corresponding to the securities cooperation account application prepared by the customer is obtained and transmitted through a predetermined image acquisition device, the image corresponding to the securities cooperation account application is linked to the interface unit 3100. It is characterized by comprising an image receiving unit 3115 for receiving the content.

The interface providing unit 3105 connects a predetermined communication channel with the financial institution server 3815 through the interface unit 3100, and then connects the predetermined communication channel to the financial institution server 3815. When the user interface is requested to receive a financial transaction service including at least one or more securities transaction provided by a securities company or credit card transaction provided by a credit card company, in addition to the bank transaction provided by a bank, the terminal device 3170 is requested. Acquire an image content corresponding to the securities cooperation account application prepared by the customer through a predetermined image acquisition device provided, and input (or select) the securities cooperation account subscription information corresponding to the securities cooperation account application to the financial network. Generate at least one user interface to transmit to the financial institution server 3815 via; and / Is characterized in that extraction from a predetermined database (not shown) and provides in cooperation with the interface unit 3100, the generated user interface (or extract) to the terminal 3170 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 3170 acquires image contents corresponding to the securities cooperation account application prepared by the customer through a predetermined image acquisition device, and the securities cooperation account corresponding to the securities cooperation account application. When a predetermined information registration program having at least one user interface for inputting (or selecting) subscription application information and transmitting it to the financial institution server 3815 through the financial network is provided, obtaining a predetermined image as described above. Obtain an image content corresponding to the securities cooperation account application prepared by the customer through the device, input (or select) the securities cooperation account subscription application information corresponding to the securities cooperation account application, and transmit it to the financial institution server 3815. To generate (or extract) a user interface to the terminal device 3170. Interface providing unit 3105 and the mubang be omitted, to which the present invention is not limited.

Subsequently, the terminal device 3170 inputs the customer information, the account information, the product information on the freely withdrawal product that can be traded through the user interface, and the securities partnership account subscription application information including at least one beneficiary information. Or) and transmit the input (or selected) securities affiliated account subscription information to the financial institution server 3815 through the financial network. In response, the information receiving unit 3110 is connected to the interface unit 3100. It is characterized in that for receiving the securities affiliated account subscription application information transmitted from the terminal device 3170 in association with.

In addition, the terminal device 3170 obtains the image content corresponding to the securities cooperation account application prepared 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 3115 receives the image contents corresponding to the securities cooperation account application in connection with the interface unit 3100.

According to another exemplary embodiment of the present invention, the terminal device 3170 acquires image content corresponding to a security partnership account application prepared by the customer through a predetermined image acquisition device, and is provided in the terminal device 3170 ( Or, if stored in a predetermined storage device, the terminal device 3170 is an image corresponding to the application for securities cooperation account created by the customer of the at least one or more image content previously stored in the storage device through the user interface A content is selected and transmitted to the financial company server 3815 through the financial network. In response thereto, the image receiving unit 3115 receives image content corresponding to the security partnership account application in connection with the interface unit 3100. It is desirable to.

According to another exemplary embodiment of the present invention, the image content corresponding to the securities cooperation account application prepared by the customer in the terminal device 3170 and the securities cooperation account subscription information corresponding to the securities cooperation account application When transmitting together, the information receiving unit 3110 may be connected with the interface unit 3100 to receive the image content corresponding to the securities cooperation account application and the securities cooperation account subscription information together (for example, the image The receiver 3115 is integrated into the information receiver 3110 to operate), thereby the present invention is not limited thereto.

Referring to FIG. 31, the financial institution server 3815 receives the securities affiliate account subscription application information transmitted from the terminal device 3170 through the information receiver 3110, and receives the securities affiliate account subscription application information. Validity check to confirm whether the financial transaction service including at least one securities transaction provided by the securities company or credit card transaction provided by the credit card company is provided in addition to the bank transaction provided by the predetermined bank. It is characterized by comprising a portion 3120.

According to an embodiment of the present invention, the validity of the securities affiliated account subscription application information is determined by the D / B 3715 of the securities affiliated account on the financial system 3020 associated with the securities affiliated account opening system. It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity confirmation of the securities affiliate account subscription information is performed by the customer information (customer personal information, member information, etc.) of the information included in the securities affiliate account subscription information associated with the securities cooperation account opening system. It may be desirable to include a match with the customer ledger stored in the ledger D / B 3715 on the financial system 3020.

Referring to FIG. 31, the financial institution server 3815 receives the image content transmitted from the terminal device 3170 through the image receiving unit 3115, and the securities affiliate account through the validity checking unit 3120. When the validity of the subscription application information is authenticated, an electronic document generation unit 3125 for generating a predetermined securities affiliate account electronic document including the received image content, and the generated securities affiliate account electronic document into the securities affiliated account. And an electronic document transmission unit 3130 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generating unit 3125 generates a security partnership electronic document including the image content received from the terminal device 3170 through the image receiving unit 3115.

According to the exemplary embodiment of the present invention, the electronic document generating unit 3125 stores the image file including the image content received from the terminal device 3170 through the image receiving unit 3115 in the predetermined bank. In addition to the bank transactions provided, it is preferable to process the securities trading account electronic documents to be provided with a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies.

Alternatively, the electronic document generator 3125 may include the image content received from the terminal device 3170 through the image receiver 3115 in the securities affiliated account subscription information received through the information receiver 3110. The predetermined bank providing an image file corresponding to an image content including at least one of customer information, account information, commodity information on a freely withdrawable product capable of trading securities, and beneficiary securities information by a watermarking method. In addition to the banking transaction, it is preferable to generate an electronic document for a securities partnership account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company.

According to another exemplary embodiment of the present invention, the electronic document generating unit 3125 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 3170 through the image receiving unit 3115. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) In addition to the bank transaction provided, it is preferable to generate an electronic document for a securities partnership account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company.

Alternatively, the electronic document generator 3125 may include the image content received from the terminal device 3170 through the image receiver 3115 in the securities affiliated account subscription information received through the information receiver 3110. Generating an image content including at least one or more of customer information, account information, merchandise information on a freely withdrawable product capable of trading securities, and beneficiary securities information by a watermarking method, and including the generated image content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating a securities transaction provided by a securities company or a credit card company in addition to the bank transaction provided by the predetermined bank. To create a partnership securities account for receiving electronic documents such as credit card transactions, financial transactions services, including at least one is preferable.

According to another exemplary embodiment of the present invention, the electronic document generator 3125 receives the image content and the information receiver 3110 received from the terminal device 3170 through the image receiver 3115. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one securities partnership account subscription information, or a word processor file; By generating a web document file including the MHT), and at least one financial transaction service including at least one of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is desirable to create a securities affiliate account electronic document for receiving.

Alternatively, the electronic document generator 3125 may include the image content received from the terminal device 3170 through the image receiver 3115 in the securities affiliated account subscription information received through the information receiver 3110. Generating an image content including at least one of customer information, account information, merchandise information on a freely withdrawable product capable of trading securities, and beneficiary securities information by a watermarking method, wherein the generated image content and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the information on the subscription of the securities affiliated account, or the MHT. By generating a web document file, including), in addition to the bank transaction provided by the predetermined bank, provided by the securities company To deal, or generate a credit card transaction, such as provided by the credit card company affiliated securities account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 3125 generates a securities affiliate account electronic document in the form of an image file and / or a predetermined document file, and the securities Since the technical features of the file format for the image file and / or the document file corresponding to the affiliated account electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 3130 transmits and stores the electronic document generation account electronic document generated by the electronic document generation unit 3125 to a predetermined electronic document storage associated with the security cooperation account opening system. do.

As shown in FIG. 31, the electronic document repository is connected to a financial company server 3815 and a digital document D / B 3165 linked with a financial company server 3815 on a security account establishment system through a predetermined communication means. When the electronic document transmission unit 3130 is provided to the outside, the electronic document server 3190 through the communication means to the electronic document transfer account electronic document generated by the electronic document generation unit 3125 It characterized in that the transmission to.

Here, when the electronic document server 3190 and the electronic document D / B 3165 are provided outside of the security partnership account opening system, the electronic document server 3190 and the electronic document D / B 3165 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 securities affiliated account opening system, the electronic document transmission unit 3130 is generated by the electronic document generation unit 3125. The securities affiliated account electronic document may be stored in an electronic document D / B 3165 corresponding to an electronic document storage on a DBMS provided in the securities affiliated account opening system, and the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 3130 is electronic document-related information for generating a predetermined electronic document management information in the electronic document server (3190) (for example, a security corresponding to the image content) The customer information on which the affiliate account application was made, and / or the bank information for transmitting the securities affiliate account electronic document, and / or the electronic document file format information, and / or the securities cooperation account subscription information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 31, the financial company server 3815 may include a securities company in addition to the bank transaction provided by the predetermined bank through the validity checking unit 3120. When the validity for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company is certified, An information generator 3155 for generating the financial account information based on the information, the account information, the product information on the freely withdrawable product that can be traded in the securities, and the profit securities information; and a financial account under the customer's name including the financial account information. It is characterized by comprising an account opening section (3140) for opening the processing.

When the validity of the securities affiliate account subscription information is confirmed by the validity confirming unit 3120, the information generator 3155 may perform customer information, account information, and securities transactions included in the securities affiliate account subscription information. The financial account information is generated on the basis of product information and beneficiary information on free and withdrawal products.

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and wherein the securities affiliate account includes a savings attribute. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

The account opening unit 3140 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 3020 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the securities affiliated account subscription information. In addition to banking transactions provided by a predetermined bank, a predetermined financial account for processing a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided. do.

According to an exemplary embodiment of the present invention, when the financial company server 3815 and the financial system 3020 exist in the same system, the account opening unit 3140 may be linked with the financial system 3020 in a ledger D / B. It is preferable to generate a predetermined account ledger including the financial account information at 3715.

According to another exemplary embodiment of the present invention, when the financial company server 3815 and the financial system 3020 exist on another system connected through a predetermined communication means, the account opening unit 3140 may use predetermined communication means. It is preferable to request the ledger D / B 3715 on the other financial system 3020 to generate a predetermined ledger including the financial account information through an external system on the financial system 3020.

Referring to FIG. 31, the financial company server 3815 may include a securities company in addition to the bank transaction provided by the predetermined bank through the validity checking unit 3120. When the validity for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company is certified, And an information storage unit 3145 for storing the information, the product information on the freely withdrawable product that can be traded in the securities, and the securities partnership account information including at least one or more securities information on the predetermined storage medium 3180. do.

When the validity of the securities affiliate account subscription application information is confirmed by the validity confirming unit 3120, the information storage unit 3145 may freely withdraw and withdraw the securities transactions from the customer information included in the securities cooperation account subscription information. Characterized in that the storage medium (3180) for storing the securities partnership account information including at least one product information, the beneficiary information for the product.

According to an exemplary embodiment of the present invention, when the storage medium 3180 is provided in the financial institution server 3815 or on the network associated with the financial institution server 3815, the information storage unit 3145 may be configured as the storage medium 3180. And storing the customer information included in the received securities affiliate account subscription information, the product information on the freely withdrawable product, and the securities affiliate account information including at least one beneficiary certificate information in the storage medium 3180. desirable.

According to another exemplary embodiment of the present invention, when the storage medium 3180 is provided in a DBMS provided on the financial system 3020, the information storage unit 3145 is included in the received securities partnership account subscription information. The financial system by providing the information system through the external system on the financial system 3020, the securities partnership account information including at least one of the customer information and account information, product information on freely withdrawable products that can be traded securities, beneficiary securities information It is preferable to store in the DBMS provided on the 3020.

Referring to FIG. 31, an electronic document which receives a predetermined security partnership account electronic document from the financial institution server 3815 provided on the security account opening system and stores and manages the electronic document D / B 3165 in a predetermined electronic document D / B 3165. The server 3190 may include an electronic document receiving unit 3150 that receives a predetermined security partnership account electronic document from the financial institution server 3815 through a predetermined communication means, and the electronic security unit D to store the received security cooperation account electronic document. The information generation unit 3155 for generating predetermined electronic document management information for storage and management in the B3165, and the electronic document management information and the securities affiliated account electronic document in a cooperative process. And an electronic document storage unit 3160 stored in the B 3165.

The electronic document receiving unit 3150 may receive an electronic document in the form of an image file and / or a document file from the financial institution server 3815 through the communication means.

According to an exemplary embodiment of the present invention, the securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means includes image content received by the financial company server 3815 from the terminal device 3170. It is preferable that the image file is included as it is.

Alternatively, the securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means may include the securities affiliated account subscription information on the image content received by the financial institution server 3815 from the terminal 3170. Comprising an image file corresponding to the image content including at least one or more information of the customer information, account information, commodity information for free withdrawal products that can be traded securities, beneficiary certificates information included in the watermarking method It is preferable.

According to another exemplary embodiment of the present invention, the securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means may be used to display image content received by the financial company server 3815 from the terminal device 3170. 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 securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means may be included in the securities affiliated account subscription information on the image content received by the financial institution server 3815 from the terminal device 3170. Predetermined document files (e.g., PDF) containing image contents including at least one or more of customer information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary securities information in a watermarking manner. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means is an image content received by the financial company server 3815 from the terminal device 3170. And a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) containing at least one document file including the securities partnership account subscription information. Or a web document file including the MHT).

Alternatively, the securities affiliated account electronic document received by the electronic document receiver 3150 through the communication means may be included in the securities affiliated account subscription information on the image content received by the financial institution server 3815 from the terminal device 3170. Image information including at least one or more of the included customer information, account information, commodity information for free withdrawal products that can be traded securities, beneficiary securities information by watermarking method and the securities affiliate account subscription information A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

The information generating unit 3155 is a predetermined electronic document unique number (or unique information) to be assigned to the security document affiliate account electronic document received through the electronic document receiving unit 3150, and through the electronic document receiving unit 3150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the securities affiliate account electronic document was received (or a date and time at which the securities affiliate account electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 3155 refers to the financial institution server 3815 referring to the financial institution server 3815 which transmitted the electronic document receiving account electronic document received through the electronic document receiving unit 3150. It is preferable to confirm the bank that sent the document and to generate the electronic document management information further including the verified bank information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 3150 further receives a predetermined electronic document related information from the financial institution server 3815, the information generating unit 3155 is the received electronic Document-related information (e.g., customer information for which a securities affiliate account application corresponding to the image content is made, and / or bank information for transmitting the securities affiliate account electronic document, and / or electronic document file format information, and / or the securities) It is preferable to generate the electronic document management information further including the affiliated account subscription application information).

The electronic document storage unit 3160 associates the securities affiliated account electronic document received through the electronic document receiving unit 3150 with electronic document management information generated through the information generating unit 3155 to process a predetermined electronic document D. / B (3165) is characterized in that.

According to the exemplary embodiment of the present invention, the financial institution server electronic document stored in the electronic document storage unit 3160 in the electronic document D / B 3165 is provided by the financial company server 3815 from the terminal device 3170. It is preferable that the image file including the received image content is included as it is.

Alternatively, the securities partnership account electronic document stored in the electronic document D / B 3165 by the electronic document storage unit 3160 may include the image content received by the financial company server 3815 from the terminal device 3170. Image corresponding to image content including at least one of customer information, account information, commodity information on securities trading free and withdrawal products, and beneficiary securities information included in the application for subscription of securities partnership account by watermarking method. It is preferable to include a file.

According to another exemplary embodiment of the present invention, the financial institution server 3815 stores the electronic document storage unit 3160 in the electronic document D / B 3165 by the financial company server 3815 and the terminal device 3170. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.).

Alternatively, the securities partnership account electronic document stored in the electronic document D / B 3165 by the electronic document storage unit 3160 may include the securities in the image content received by the financial company server 3815 from the terminal device 3170. Predetermined information including image information including at least one of customer information, account information, commodity information on securities trading free and withdrawal products, and beneficiary information included in the affiliated account application information in a watermarking manner. 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 preferable to make.

According to another exemplary embodiment of the present invention, the financial institution server 3815 stores the electronic document storage unit 3160 in the electronic document D / B 3165 by the financial institution server 3815. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content received from the Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the securities partnership account electronic document stored in the electronic document D / B 3165 by the electronic document storage unit 3160 may include the securities in the image content received by the financial company server 3815 from the terminal device 3170. Image contents including the customer information, account information, commodity information on securities trading free and withdrawal products, beneficiary certificates information included in the affiliated account subscription information information by watermarking method and the security partnership account A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including subscription application information, or an MHT; Web document files).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 3165 by the electronic document storage unit 3160 in association with the electronic document storage account electronic document, the electronic paper storage account 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 3165 by the electronic document storage unit 3160 in association with the electronic document storage account electronic document is stored in the security paper partnership account. Preferably, the bank information further includes bank information for transmitting the securities affiliate account electronic document, which has been identified with reference to the financial institution server 3815 which transmitted the electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 3815, the electronic document storage unit 3160 processes the electronic document by linking the electronic document with the securities partnership account. The electronic document management information stored in the document D / B 3165 may include the received electronic document-related information (for example, customer information for which a securities affiliate account application corresponding to the image content is prepared, and / or the securities affiliate account electronic document). Bank information, and / or electronic document file format information, and / or the securities affiliate account subscription information).

32 illustrates an implementation method in which a storage medium 3180 for storing securities affiliate account information corresponding to a securities affiliate account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system 3020. Drawing.

In more detail, the storage medium 3180 illustrated in FIG. 320 is the ledger D / B 3715 provided in the DBMS on the financial system 3020, or the ledger D / B 3715 provided in the ledger D / B 3715. In this case, the information structure for one embodiment of the method of storing the securities affiliated account information in the ledger information provided in the ledger D / B (3715), the person having ordinary knowledge in the technical field to which the present invention belongs However, various information configuration methods for storing the securities affiliated account information in the ledger D / B 3715 may be inferred by referring to and / or modifying the drawing 32, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 32 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 3715 provided in the DBMS on the financial system 3020 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial account opened through the securities affiliated account opening system shown in FIG. 320 and at least one or more information associated with the account ledger are included, which is commonly known in the art. If the person has, the ledger D / B 3715 provided in the DBMS on the financial system (3020) has at least one ledger (for example, the ledger, loan ledger, collateral, in addition to the customer ledger and account ledger shown in Figure 32) And / or at least one or more additional information for maintaining and managing the ledgers. Because be aware group the technological requirements, a 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, area 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. It includes at least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In addition, the account ledger is relationally linked to the customer ledger, and correspond to the financial account, the account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 32, in which the storage medium 3180 is the ledger D / B 3715, or includes an implementation method provided in the ledger D / B 3715 according to an embodiment of the present invention, Securities including at least one of the customer information and account information included in the securities affiliate account subscription information provided through the securities affiliate account opening system shown in FIG. The affiliated account information is stored in the form of additional information added to the account ledger.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system, etc. It is preferable to comprise at least one or more.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

According to another exemplary embodiment of the present invention, the securities affiliated account subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

33 is a storage medium 3300 for storing securities affiliate account information corresponding to a securities holiday account opened in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with B 3715.

In more detail, FIG. 33 illustrates an embodiment in which the storage medium 3300 shown in FIG. 31 includes a predetermined database linked to the ledger D / B 3715 provided in the DBMS on the financial system 3020. As shown in FIG. 31, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 33 to write the securities affiliated account information in a predetermined database to the ledger D / B 3715. It is possible to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 33, when it is not easy to store the securities affiliated account information in the ledger information of the ledger D / B 3715 on the DBMS provided on the financial system 3020 (e.g., in a bank policy, the DBMS When it is not easy to change the ledger D / B 3715 of the company, or the system expansion is not easy due to the characteristics of the financial system 3020), the securities tie-up is made in a predetermined database instead of the ledger D / B 3715. A method of storing account information and linking and storing the database and the ledger D / B 3715 is illustrated.

In addition, the database shown in FIG. 33 does not need to be provided on a DBMS provided on the financial system 3020 as in the embodiment shown in FIG. 33, and the database on the Internet banking system according to the intention of the 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.

According to another embodiment of the present invention, referring to FIG. 33, the storage medium 3300 includes a database associated with the ledger D / B 3715 provided in the DBMS on the financial system 3020. And storing the customer information and the account information included in the securities affiliate account subscription information, product information on freely withdrawal products that can be traded in the securities transaction, and securities cooperation account information including at least one beneficiary certificate information. The securities affiliated account information may further include a CIF number corresponding to the ledger information in the securities affiliated account information in order to be processed in association with the ledger D / B 3715.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system, etc. It is preferable to comprise at least one or more.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

34 is an embodiment in which a storage medium 3300 for storing securities affiliate account information corresponding to a securities affiliate account opened in a face-to-face manner according to another embodiment of the present invention includes a DBMS provided in the banking server 3400. A diagram illustrating the method.

More specifically, FIG. 34 illustrates a predetermined banking system in which the storage medium 3300 shown in FIG. 31 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 3400, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. 3400 may be inferred from the information configuration method for the securities affiliated account information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

According to another embodiment of the present invention, referring to FIG. 34 in which the storage medium 3300 includes a DBMS provided in the banking server 3400, a predetermined DBMS provided in the banking server 3400 may be provided. And storing the customer information and the account information included in the securities affiliate account subscription application information, the product information on the freely withdrawal products capable of securities trading, and the securities affiliate account information including at least one beneficiary certificate information.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system, etc. It is preferable to comprise at least one or more.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

35a and 35b are finances including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks in a face-to-face manner according to an embodiment of the present invention. A diagram illustrating a process of opening a security partnership account for receiving a transaction service.

In more detail, FIGS. 35A and 35B are window terminals in which a terminal device 3170 on the securities affiliated account opening system shown in FIG. 31 is provided at a bank branch (or a branch), and the financial company server 3815 is predetermined. In the case of having a ledger server (not shown) function on the financial system 3020 associated with a teller terminal through a financial network of the bank, securities transactions provided by securities companies in addition to bank transactions provided by a predetermined bank, Customer information, account information, commodity information on freely withdrawal products capable of trading securities, and beneficiary information in order to open a securities partnership account for providing a financial transaction service including at least one credit card transaction provided by a credit card company. After completing and submitting a security tie-up account application including at least one of the above, the bank based on the security tie-up account application The present invention relates to a system for opening a securities affiliated account in a face-to-face manner. Specifically, when the customer prepares an application for the securities affiliated account and submits it to the counter, the securities cooperation account is provided through a predetermined image acquisition device at the counter terminal. After acquiring predetermined image content corresponding to the application form and transmitting it to the financial institution server 3815, inputting (or selecting) the securities affiliate account application information corresponding to the security partnership account application to the financial institution server 3815. If so, the securities tie-up is based on the customer information, the account information, the product information on the freely withdrawal products available for securities trading, the beneficiary policy information, and the securities affiliate account subscription information in the financial company server 3815. It shows the implementation method of opening an account.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 35a and 35b to register the securities affiliate account subscription application information with the financial company server 3815 at the window terminal. 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. 35A and 35B.

For example, the implementation method illustrated in FIGS. 35A and 35B includes a process of generating a predetermined electronic document corresponding to the securities cooperation account application and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 35A and 35B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the securities cooperation account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the securities affiliate account subscription information corresponding to the securities affiliate account application is illustrated as being provided from the financial institution server 3815, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial institution server 3815, and the present invention is not limited thereto.

In the following Figures 35a and 35b, the window terminal shown in Figure 31 is referred to as "terminal" for convenience, and the financial institution server 3815 shown in Figure 31 is referred to as "server" for convenience.

Referring to FIGS. 35A and 35B, in addition to a bank transaction provided by a predetermined bank, a customer may provide a financial transaction service including at least one of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. If you fill out and submit a Securities Affiliate Account Application Form containing at least one customer information, account information, merchandise information for freely withdrawable products that can be traded in securities, and beneficiary securities information, the teller terminal shown in FIG. With a predetermined communication channel connected to the server through a network, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank corresponding to the securities affiliated account application. Use for receiving financial transaction services including at least one of When requesting an interface (3500), in response to the user interface, the server acquires predetermined image contents corresponding to the securities cooperation account application prepared by the customer through a predetermined image acquisition device, and transmits the predetermined image content to the server. (3505) and transmits the generated (or extracted) user interface to the terminal through the financial network (3510).

Thereafter, the terminal acquires image content corresponding to the security deposit account application through a predetermined image acquisition device based on the user interface (3515).

If the image content corresponding to the securities cooperation account application is obtained through the image acquisition device (3520), the terminal transmits the obtained image content to the server through the financial network (3525).

Subsequently, the server may include at least one customer information corresponding to the securities cooperation account application matching the image content, account information, product information on freely withdrawable products capable of trading securities, and beneficiary securities information. Generates (or extracts) a user interface for transmitting to the server by inputting (or selecting) (3530), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (3535). ).

Thereafter, the terminal inputs (or selects) securities partnership account subscription information including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded through the user, and the beneficiary information. (3540).

If through the user interface is entered (or selected) securities partnership account subscription information that includes at least one or more of the customer information, account information, commodity information for securities trading free and withdrawal products, beneficiary certificates information (3545), The terminal transmits the entered (or selected) securities affiliate account subscription information to the server through the financial network (3550).

Thereafter, the server receives and reads the securities partnership account subscription application information including at least one of the customer information, the account information, the product information on the freely withdrawable product, and the securities securities information through the financial network. The validity of the affiliate account subscription information is verified (3555).

According to an embodiment of the present invention, the validity of the securities affiliated account subscription application information is determined by the D / B 3715 of the securities affiliated account on the financial system 3020 associated with the securities affiliated account opening system. It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity confirmation of the securities affiliate account subscription information is performed by the customer information (customer personal information, member information, etc.) of the information included in the securities affiliate account subscription information associated with the securities cooperation account opening system. It may be desirable to include a match with the customer ledger stored in the ledger D / B 3715 on the financial system 3020.

If the validity of the securities affiliate account subscription application information is not authenticated (3560), the server generates predetermined financial account error information and transmits it to the terminal (3565), and corresponds to the securities affiliate account subscription application information. Do not carry out the procedures for opening a security tie-up account.

On the other hand, if the validity of the securities affiliate account subscription application information is authenticated (3560), the server generates a predetermined securities affiliate account electronic document including the image content (3570).

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 3170 through the image receiving unit 3115, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. In addition to the banking transaction provided by the predetermined bank, an image file corresponding to an image content including at least one of merchandise information and beneficiary securities information on a freely withdrawal product capable of trading securities may be watermarked. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by credit card companies.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 3170 through the image receiving unit 3115. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by credit card companies.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. And generating image contents including at least one or more of merchandise information and beneficiary information on the securities trading free and withdrawable product by watermarking method, and a predetermined document file including the generated image contents (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). In addition to bank transactions provided by banks, securities transactions offered by securities companies, or credit card transactions provided by credit card companies It is desirable to create a securities affiliate account for receiving electronic documents providing financial trading services that includes at least one.

According to another exemplary embodiment of the present invention, the server requests to join a security partnership account received through the image receiver 3110 and the image content received from the terminal device 3170 through the image receiver 3115. 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. File, etc.), a securities partnership account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is desirable to create an electronic document.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. And generating image contents including at least one or more information of merchandise information and beneficiary securities information on a freely depositable and withdrawable product, which can be traded in securities, by using a watermarking method, and applying the generated image contents and the securities affiliate account subscription information. 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 or more such as HWP / DOC, or a web document file including an MHT) Etc.), securities transactions or new services provided by securities companies other than bank transactions provided by the predetermined banks. To create a partnership securities account for receiving electronic documents and provide a credit card transaction, such as provided by the issuer for financial transaction services that include at least one is preferable.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a securities affiliate account electronic document in an image file format and / or a predetermined document file format, and correspond to the securities affiliate account 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 securities affiliated account electronic document in a predetermined electronic document storage (3575).

As shown in FIG. 31, the electronic document repository includes a predetermined electronic document server 3190 and an electronic document D / B 3165 associated with a server on the securities affiliated account opening system through predetermined communication means. When provided to the outside, the server preferably transmits the generated securities affiliated account electronic document to the electronic document server 3190 through the communication means to store in the electronic document D / B (3165). .

Or, if the electronic document storage is provided on the DBMS provided in the security account establishment system, the server is the electronic document storage on the DBMS provided in the security cooperation account establishment system. It is possible to store in the electronic document D / B 3165 corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the electronic security document in the electronic document storage, the electronic document storage information electronic document and the predetermined electronic document management information in connection with the electronic document shown in Figure 31 It is preferable to include storing in document D / B 3165.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the securities affiliate account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises bank information for transmitting the electronic billing account electronic documents.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a security partnership account application corresponding to the image content, and / or bank information for transmitting the security partnership account electronic document, and / or Electronic document file format information, and / or the securities affiliate account subscription information).

If the securities affiliate account electronic document is stored in the electronic document repository (3580), the server includes the customer information included in the securities cooperation account subscription information, account information, product information for freely withdrawable products with securities trading, revenue The financial account information is generated based on securities information (3585).

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and wherein the securities affiliate account includes a savings attribute. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked with the financial system 3020 based on the customer information, the account information, the product information on the freely withdrawal products that can be securities trading, the beneficiary policy information included in the securities affiliate account subscription information A financial account under the customer's name including account information is opened (3590).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 3020 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to opening a predetermined financial account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is characterized by.

According to an embodiment of the present invention, when the server and the financial system 3020 exist in the same system, the server transmits the financial account information to the ledger D / B 3715 in association with the financial system 3020. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 3020 exist on another system connected through a predetermined communication means, the server is located on the financial system 3020 through a predetermined communication means. It is preferable to request the general ledger D / B 3715 on the other financial system 3020 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates securities affiliate account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, product information for freely withdrawable products with securities trading, and beneficiary certificates information. The storage medium 3300 may be stored (3595).

According to an embodiment of the present invention, when the storage medium 3300 is provided in the server or on a network associated with the server, the server includes the customer included in the received securities partnership account subscription information. Preferably, the storage medium 3300 stores securities affiliated account information including at least one of information, account information, commodity information on freely withdrawable products that can be traded, and beneficiary securities information.

According to another exemplary embodiment of the present invention, when the storage medium 3300 is provided in a DBMS provided on the financial system 3020, the server may include the customer information included in the received securities partnership account subscription information. Securities partnership account information including at least one or more of the account information, securities trading free and withdrawal products, profitable securities information on the financial system (3020) by providing the information system through the external system on the financial system (3020) It is preferable to store in the provided DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the security partnership account, and / or the details of storing the security cooperation account electronic document in the electronic document repository, and / or the storage medium 3300). (B) storing (or extracting) the details of storing the subscription request information of the securities affiliated account and transmits it to the terminal (3599).

According to an embodiment of the present invention, the storage medium 3300 is preferably provided in a DBMS on the financial system 3020 provided on the securities affiliated account opening system (or associated with the securities affiliated account opening system). In this case, the storage medium 3300 may be a ledger D / B 3715 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3715. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 3300 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the securities affiliated account opening 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.

36a and 36b include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a process of opening a securities partnership account for receiving a financial transaction service.

In more detail, FIGS. 36A and 36B are window terminals provided with a terminal device 3170 on the securities affiliated account opening system shown in FIG. 31 at a bank branch (or a branch), and the financial company server 3815 may be a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 3020 linked to a counter terminal through a financial network, a predetermined customer provides a securities transaction provided by a securities company in addition to a bank transaction provided by a predetermined bank, or Customer information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary securities information to open securities partnership accounts for financial services including at least one credit card transaction provided by a credit card company. After completing and submitting a security tie-up account application including at least one, the bank based on the security tie-up account application The present invention relates to a system for opening a securities cooperation account in a face-to-face manner. Specifically, when the customer completes the application for the securities cooperation account and submits it to the counter, the securities cooperation account corresponding to the securities cooperation account application at the counter terminal. After inputting (or selecting) subscription application information to the financial institution server 3815, the predetermined image content corresponding to the securities cooperation account application is obtained through a predetermined image acquisition device to the financial institution server 3815. If so, the securities tie-up is based on the customer information, the account information, the product information on the freely withdrawal products available for securities trading, the beneficiary policy information, and the securities affiliate account subscription information in the financial company server 3815. It shows the implementation method of opening an account.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 36a and 36b to register the information on the securities partnership account subscription information with the financial company server 3815 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 36A and 36B.

For example, although the implementation method shown in FIGS. 36A and 36B includes a process of generating a predetermined electronic document corresponding to the securities cooperation account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 36A and 36B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the securities cooperation account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the securities affiliate account subscription information corresponding to the securities affiliate account application is illustrated as being provided from the financial institution server 3815, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial institution server 3815, and the present invention is not limited thereto.

In the following Figures 36a and 36b, the window terminal shown in Figure 31 is referred to as "terminal" for convenience, and the financial company server 3815 shown in Figure 31 is referred to as "server" for convenience, The customer information, the account information, the product information for the freely withdrawal products that can be traded in the securities transaction, and the beneficiary certificate information transmitted to the financial company server 3815 are referred to as "securities affiliate account subscription information" for convenience.

Referring to FIGS. 36A and 36B, in addition to a bank transaction provided by a predetermined bank, a customer may provide a financial transaction service including at least one of a stock transaction provided by a securities company or a credit card transaction provided by a credit card company. If you fill out and submit a Securities Affiliate Account Application Form containing at least one customer information, account information, merchandise information for freely withdrawable products that can be traded in securities, and beneficiary securities information, the teller terminal shown in FIG. With a predetermined communication channel connected to the server through a network, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank corresponding to the securities affiliated account application. Use for receiving financial transaction services including at least one of In response to the interface request (3600), the server correspondingly at least one of customer information, account information, commodity information for free withdrawal products that can be traded securities, and beneficiary securities information corresponding to the securities cooperation account application prepared by the customer Create (or extract) a user interface for inputting (or selecting) the securities affiliate account subscription request information, which is transmitted to the server (3605), and generate the generated (or extracted) user interface through the financial network. The signal is transmitted to the terminal and output (3610).

Thereafter, the terminal inputs (or selects) securities partnership account subscription information including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded through the user, and the beneficiary information. (3615).

If the user information, account information, product information on freely withdrawal products that can be traded through the user interface, and the securities partnership account subscription application information including at least one or more beneficiary information is input (or selected) (3620), The terminal transmits the entered (or selected) securities partnership account subscription information to the server through the financial network (3625).

Thereafter, the server receives and reads the securities partnership account subscription application information including at least one of the customer information, the account information, the product information on the freely withdrawable product, and the securities securities information through the financial network. The validity of the affiliate account subscription information is verified (3630).

According to an embodiment of the present invention, the validity of the securities affiliated account subscription application information is determined by the D / B 3715 of the securities affiliated account on the financial system 3020 associated with the securities affiliated account opening system. It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity confirmation of the securities affiliate account subscription information is performed by the customer information (customer personal information, member information, etc.) of the information included in the securities affiliate account subscription information associated with the securities cooperation account opening system. It may be desirable to include a match with the customer ledger stored in the ledger D / B 3715 on the financial system 3020.

If the validity of the securities affiliate account subscription application information is not authenticated (3635), the server generates predetermined financial account error information and transmits it to the terminal (3640), corresponding to the securities affiliate account subscription information. Do not carry out the process of opening a security partnership account.

On the other hand, if the validity of the securities cooperation account subscription information is authenticated (3635), the server acquires predetermined image contents corresponding to the securities cooperation account application prepared by the customer through a predetermined image acquisition device in the terminal, A user interface for transmitting to a server is generated (or extracted) (3645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (3650).

Thereafter, the terminal acquires image content corresponding to the security partnership account application through a predetermined image acquisition device based on the user interface (3655).

If the image content corresponding to the securities cooperation account application is obtained through the image acquisition device (3660), the terminal transmits the obtained image content to the server through the financial network (3665).

In operation 3670, the server that receives the subscription information and the image content from the terminal from the terminal generates a predetermined security partnership account electronic document including the image content.

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 3170 through the image receiving unit 3115, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. In addition to the banking transaction provided by the predetermined bank, an image file corresponding to an image content including at least one of merchandise information and beneficiary securities information on a freely withdrawal product capable of trading securities may be watermarked. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more provided securities transactions or credit card transactions provided by a credit card company.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 3170 through the image receiving unit 3115. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by credit card companies.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. And generating image contents including at least one or more of merchandise information and beneficiary information on the securities trading free and withdrawable product by watermarking method, and a predetermined document file including the generated image contents (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Securities transactions offered by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by banks It is desirable to create a securities affiliate account for receiving electronic documents providing financial trading services that includes at least one.

According to another exemplary embodiment of the present invention, the server requests to join a security partnership account received through the image receiver 3110 and the image content received from the terminal device 3170 through the image receiver 3115. 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. File, etc.), a securities partnership account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is desirable to create an electronic document.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. And generating image contents including at least one or more information of merchandise information and beneficiary securities information on a freely depositable and withdrawable product, which can be traded in securities, by using a watermarking method, and applying the generated image contents and the securities affiliate account subscription 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) ), Securities transactions or credit provided by securities companies in addition to the bank transactions provided by the predetermined bank. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more credit card transactions provided by a card company.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a securities affiliate account electronic document in an image file format and / or a predetermined document file format, and correspond to the securities affiliate account 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 security partnership electronic document in a predetermined electronic document storage (3675).

As shown in FIG. 31, the electronic document repository includes a predetermined electronic document server 3190 and an electronic document D / B 3165 associated with a server on the securities affiliated account opening system through predetermined communication means. When provided to the outside, the server preferably transmits the generated securities affiliated account electronic document to the electronic document server 3190 through the communication means to store in the electronic document D / B (3165).

Or, if the electronic document storage is provided on the DBMS provided in the security account establishment system, the server is the electronic document storage on the DBMS provided in the security cooperation account establishment system. It is possible to store in the electronic document D / B 3165 corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the electronic security document in the electronic document storage, the electronic document storage information electronic document and the predetermined electronic document management information in connection with the electronic document shown in Figure 31 It is preferable to include storing in the document D / B (3165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the securities affiliate account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises bank information for transmitting the electronic billing account electronic documents.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a security partnership account application corresponding to the image content, and / or bank information for transmitting the security partnership account electronic document, and / or Electronic document file format information, and / or the securities affiliate account subscription information).

If the securities affiliated account electronic document is stored in the electronic document repository (3680), the server includes the customer information included in the securities affiliated account subscription information, account information, product information for freely withdrawal products available for securities trading, revenue The financial account information is generated based on securities information (3685).

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and wherein the securities affiliate account includes a savings attribute. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked with the financial system 3020 based on the customer information, the account information, the product information on the freely withdrawal products that can be securities trading, the beneficiary policy information included in the securities affiliate account subscription information A financial account under the customer's name including account information is opened (3690).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 3020 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to opening a predetermined financial account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is characterized by.

According to an embodiment of the present invention, when the server and the financial system 3020 exist in the same system, the server transmits the financial account information to the ledger D / B 3715 in association with the financial system 3020. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 3020 exist on another system connected through a predetermined communication means, the server is located on the financial system 3020 through a predetermined communication means. It is preferable to request the general ledger D / B 3715 on the other financial system 3020 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates securities affiliate account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, product information for freely withdrawable products with securities trading, and beneficiary certificates information. The storage medium 3300 may be stored (3695).

According to an embodiment of the present invention, when the storage medium 3300 is provided in the server or on a network associated with the server, the server includes the customer included in the received securities partnership account subscription information. Preferably, the storage medium 3300 stores securities partnership account information including at least one information, account information, commodity information on freely withdrawable products that can be traded, and beneficiary securities information.

According to another exemplary embodiment of the present invention, when the storage medium 3300 is provided in a DBMS provided on the financial system 3020, the server may include the customer information included in the received securities partnership account subscription information. Securities partnership account information including at least one or more of the account information, securities trading free and withdrawal products, profitable securities information on the financial system (3020) by providing the information system through the external system on the financial system (3020) It is preferable to store in the provided DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the security partnership account, and / or the details of storing the security cooperation account electronic document in the electronic document repository, and / or the storage medium 3300). (B) storing (or extracting) the details of storing the subscription information of the securities affiliated account in step S3699.

According to an embodiment of the present invention, the storage medium 3300 is preferably provided in a DBMS on the financial system 3020 provided on the securities affiliated account opening system (or associated with the securities affiliated account opening system). In this case, the storage medium 3300 may be a ledger D / B 3715 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3715. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 3300 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the securities affiliated account opening 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.

37A and 37B include at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks in a face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating a process of opening a security partnership account for receiving a financial transaction service.

In more detail, FIGS. 37A and 37B are window terminals in which a terminal device 3170 on the securities affiliated account opening system shown in FIG. 31 is provided at a bank branch (or a branch office), and the financial company server 3815 is a predetermined one. In the case of having a ledger server (not shown) function on the financial system 3020 linked to a counter terminal through a financial network, a predetermined customer provides a securities transaction provided by a securities company in addition to a bank transaction provided by a predetermined bank, or In order to open a securities tie-up account for a financial transaction service that includes at least one credit card transaction provided by a credit card company, customer information, account information, product information on freely withdrawal products capable of trading securities, and beneficiary information After completing and submitting a security tie-up account application including at least one, the bank will base the application on the security tie-up account. The present invention relates to a system for opening a securities affiliated account in a face-to-face manner. Specifically, when the customer prepares an application for the securities affiliated account and submits it to the counter, the securities cooperation account is provided through a predetermined image acquisition device at the counter terminal. After acquiring predetermined image contents corresponding to the application form, inputting (or selecting) the securities affiliate account subscription application information corresponding to the securities cooperation account application, and applying the image contents and the securities cooperation account subscription application information to the financial institution server. In operation 3815, the financial institution server 3815 based on the securities partnership account subscription information includes at least one of the customer information, the account information, the product information on the freely withdrawable product, and the beneficiary information. It shows an implementation method of opening the securities partnership account.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 37a and 37b to register the information on the securities partnership account subscription with the financial company server 3815 at the window terminal. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 37A and 37B.

For example, although the implementation method shown in FIGS. 37A and 37B includes a process of generating a predetermined electronic document corresponding to the securities cooperation account application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 37A and 37B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the securities cooperation account application through a predetermined image obtaining apparatus. In addition, the user interface for inputting (or selecting) the securities affiliate account subscription information corresponding to the securities affiliate account application is illustrated as being provided from the financial institution server 3815, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial institution server 3815, and the present invention is not limited thereto.

In the following Figures 37a and 37b, the teller terminal shown in Figure 31 is referred to as "terminal" for convenience, and the financial institution server 3815 shown in Figure 31 is referred to as "server" for convenience, and said teller terminal said The customer information, the account information, the product information for the freely withdrawal products that can be traded in the securities transaction, and the beneficiary certificate information transmitted to the financial company server 3815 are referred to as "securities affiliate account subscription information" for convenience.

Referring to FIGS. 37A and 37B, a financial transaction service including a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to bank transactions provided by a predetermined bank, is provided by a predetermined customer. If you fill out and submit a Securities Affiliate Account Application Form which includes at least one of customer information, account information, merchandise information on freely withdrawable products that can be traded in securities, and beneficiary securities information, the teller terminal shown in FIG. With a predetermined communication channel connected to the server through a financial network, a securities transaction provided by a securities company, or a credit card provided by a credit card company, in addition to a bank transaction provided by a predetermined bank corresponding to the securities affiliated account application. Use for receiving financial transaction services including at least one transaction, etc. When requesting the interface (3700), the server inputs (or selects) the securities affiliate account subscription information corresponding to the securities affiliate account application prepared by the customer in the terminal, and then, via the predetermined image obtaining apparatus, Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to a security cooperation account application to the server (3705), and generate the generated (or extracted) user interface through the financial network to the terminal. And transmits the result to the output (3710).

Thereafter, the terminal inputs (or selects) securities partnership account subscription information including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded through the user, and the beneficiary information. (3715).

If through the user interface is entered (or selected) securities partnership account subscription information including at least one or more of the customer information, account information, commodity information for securities trading free and withdrawal products, beneficiary certificates information (3720), The terminal acquires image content corresponding to the security deposit account application through a predetermined image acquisition device based on the user interface (3725).

If image content corresponding to the security tie-up account application is obtained through the image acquisition device (3730), the terminal transmits the security tie-up account subscription application information and image content to the server through the financial network (3735). ).

Thereafter, the server receives and reads the securities partnership account subscription application information including at least one of the customer information, the account information, the product information on the freely withdrawable product, and the securities securities information through the financial network. The validity of the affiliate account subscription application information is checked (3740).

According to an embodiment of the present invention, the validity of the securities affiliated account subscription application information is determined by the D / B 3715 of the securities affiliated account on the financial system 3020 associated with the securities affiliated account opening system. It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity of the securities affiliated account subscription application information may be determined by incorporating the customer information (customer personal information or member information, etc.) among the information included in the securities affiliated account subscription information. It may be desirable to include a match with the customer ledger stored in the ledger D / B 3715 on the financial system 3020.

If the validity of the securities affiliate account subscription application information is not authenticated (3745), the server generates predetermined financial account error information and transmits it to the terminal (3750), and corresponds to the securities affiliate account subscription application information. Do not carry out the process of opening a security partnership account.

On the other hand, if the validity of the securities affiliate account subscription information is authenticated (3745), the server generates a predetermined securities affiliate account electronic document including the image content (3755).

According to an exemplary embodiment of the present invention, the server may provide an image file including the image content received from the terminal device 3170 through the image receiving unit 3115, in addition to a bank transaction provided by the predetermined bank. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. In addition to the banking transaction provided by the predetermined bank, an image file corresponding to an image content including at least one of merchandise information and beneficiary securities information on a freely withdrawal product capable of trading securities may be watermarked. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more provided securities transactions or credit card transactions provided by a credit card company.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 3170 through the image receiving unit 3115. Or 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), thereby obtaining a securities company other than the bank transaction provided by the predetermined bank. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more securities transactions, or credit card transactions provided by credit card companies.

Alternatively, the server may include the customer information and the account included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. A predetermined document file including image information including at least one of information, merchandise information on a freely withdrawable product that can be traded in securities, and beneficiary securities information by a watermarking method; For example, by generating 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). Securities transactions offered by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by banks in It is desirable to create a securities affiliate account for receiving electronic documents providing financial trading services that includes at least one.

According to another exemplary embodiment of the present invention, the server requests to join a security partnership account received through the image receiver 3110 and the image content received from the terminal device 3170 through the image receiver 3115. 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. File, etc.), to provide securities alliances to receive financial transaction services including at least one of securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by the predetermined banks. It is desirable to create an account electronic document.

Alternatively, the server may include customer information and account information included in the securities partnership account subscription information received through the information receiver 3110 in the image content received from the terminal device 3170 through the image receiver 3115. And generating image contents including at least one or more information of merchandise information and beneficiary securities information on a freely depositable and withdrawable product, which can be traded in securities, by using a watermarking method, and applying the generated image contents and the securities affiliate account subscription 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) ), Securities transactions or credit provided by securities companies in addition to the bank transactions provided by the predetermined bank. It is preferable to generate a securities affiliate account electronic document for receiving a financial transaction service including at least one or more credit card transactions provided by a card company.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a securities affiliate account electronic document in an image file format and / or a predetermined document file format, and correspond to the securities affiliate account 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 securities affiliated account electronic document in a predetermined electronic document storage (3760).

As shown in FIG. 31, the electronic document repository includes a predetermined electronic document server 3190 and an electronic document D / B 3165 associated with a server on the securities affiliated account opening system through predetermined communication means. When provided to the outside, the server preferably transmits the generated securities affiliated account electronic document to the electronic document server 3190 through the communication means to store in the electronic document D / B (3165).

Or, if the electronic document storage is provided on the DBMS provided in the security account establishment system, the server is the electronic document storage on the DBMS provided in the security cooperation account establishment system. It is possible to store in the electronic document D / B 3165 corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the electronic security document in the electronic document storage, the electronic document storage information electronic document and the predetermined electronic document management information in connection with the electronic document shown in Figure 31 It is preferable to include storing in document D / B 3165.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the securities affiliate account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises bank information for transmitting the electronic billing account electronic documents.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a security partnership account application corresponding to the image content, and / or bank information for transmitting the security partnership account electronic document, and / or Electronic document file format information, and / or the securities affiliate account subscription information).

If the securities affiliated account electronic document is stored in the electronic document repository (3765), the server includes customer information included in the securities affiliated account subscription information, account information, commodity information for freely available withdrawal products, and securities trading. The financial account information is generated based on securities information (3770).

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and wherein the securities affiliate account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked with the financial system 3020 based on the customer information, the account information, the product information on the freely withdrawal products that can be securities trading, the beneficiary policy information included in the securities affiliate account subscription information A financial account under the customer's name including account information is opened (3775).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 3020 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to opening a predetermined financial account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is characterized by.

According to an embodiment of the present invention, when the server and the financial system 3020 exist in the same system, the server transmits the financial account information to the ledger D / B 3715 in association with the financial system 3020. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 3020 exist on another system connected through a predetermined communication means, the server is located on the financial system 3020 through a predetermined communication means. It is preferable to request the general ledger D / B 3715 on the other financial system 3020 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates securities affiliate account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, product information for freely withdrawable products with securities trading, and beneficiary certificates information. The storage medium 3300 is stored (3780).

According to an embodiment of the present invention, when the storage medium 3300 is provided in the server or on a network associated with the server, the server includes the customer included in the received securities partnership account subscription information. Preferably, the storage medium 3300 stores securities affiliated account information including at least one of information, account information, commodity information on freely withdrawable products that can be traded in securities, and beneficiary securities information.

According to another exemplary embodiment of the present invention, when the storage medium 3300 is provided in a DBMS provided on the financial system 3020, the server may include the customer information included in the received securities partnership account subscription information. Securities partnership account information including at least one or more of the account information, securities trading free and withdrawal products, profitable securities information on the financial system (3020) by providing the information system through the external system on the financial system (3020) It is preferable to store in the provided DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the security partnership account, and / or the details of storing the security cooperation account electronic document in the electronic document repository, and / or the storage medium 3300). (B) storing (or extracting) the details of storing the subscription information of the securities affiliated account in step (3785).

According to an embodiment of the present invention, the storage medium 3300 is preferably provided in a DBMS on the financial system 3020 provided on the securities affiliated account opening system (or associated with the securities affiliated account opening system). In this case, the storage medium 3300 may be a ledger D / B 3715 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3715. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 3300 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the securities affiliated account opening 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.

38 is provided with a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to bank transactions provided by a predetermined bank according to another embodiment of the present invention. Figure is a diagram illustrating a non-face-to-face securities partnership account opening system.

In more detail, FIG. 38 shows a securities partnership account which includes at least one predetermined customer information, account information, product information on a freely withdrawable product that enables securities trading, and beneficiary information through a predetermined financial account opening interface. When the subscription application information is provided to the bank, the bank provides a securities transaction provided by a securities company, a credit card transaction provided by a credit card company, etc., in addition to the bank transaction provided by the predetermined bank based on the securities affiliated account subscription information. Opening a securities cooperation account account for receiving a financial transaction service including at least one, and storing the securities cooperation account information for managing the securities cooperation account account in a predetermined storage medium (3880) As one of ordinary skill in the art to which the present invention pertains, Securities alliances to receive financial transaction services including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to bank transactions provided by predetermined banks by referring to and / or modifying FIG. 38. Various implementation methods for the account opening system configuration can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may have a securities affiliate account which omits the method of storing the electronic documents in the electronic document repository by referring to and / or modifying the drawing 38. It is possible to infer the configuration of the account opening system, and even in the case of storing the electronic document storage account electronic document in the electronic document storage, the electronic document storage system in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided in a DBMS located in the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 38, the above-described security agreement account electronic document is illustrated as being generated on the server side on the security account account opening system, but the present invention is not limited thereto. The securities affiliated account electronic document may be generated at the terminal for inputting (or selecting) the securities affiliated account subscription information (for example, the electronic document generating function provided at the server side is provided at the terminal side). To generate the electronic document of the security partnership account), whereby the present invention is not limited.

Hereinafter, the customer is provided with the securities affiliate account subscription information from the customer through a predetermined financial account opening interface on the securities affiliate account opening system shown in FIG. 38, so that the customer opens the securities cooperation account account. Components corresponding to at least one or more means and / or functional configurations for generating corresponding predetermined security partnership account electronic documents and storing them in a predetermined electronic document repository are referred to as " financial company server 3885 " for convenience.

Referring to FIG. 38 according to an embodiment of the present invention, a financial transaction service including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies in addition to the bank transactions provided by the predetermined bank. The securities partnership account opening system for receiving the service is characterized in that it comprises a terminal device (3870) including at least one or more of the client terminal, including at least one or more wired terminal and / or wireless terminal used by the customer, and In addition, the terminal device 3870 is connected to the financial company server 3885 provided on the security account account opening system through a predetermined network means and a communication channel.

According to an embodiment of the present invention, the customer connects to the financial institution server 3885 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, A financial transaction including at least one or more securities transactions provided by a securities company or credit card transactions provided by a credit card company in addition to the bank transactions provided by the predetermined bank through at least one user interface provided by the financial company server 3885. When entering (or selecting) the securities affiliate account subscription application information for receiving the service, it is preferable that the client terminal transmits to the financial institution server 3885 provided on the securities affiliate account opening system through a predetermined network means. Do.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 3870 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network may include all terminal devices 3870 connected to a mobile communication network based on code division multiple access (CDMA) (and / or high-speed downlink packet access (HSDPA)), and / or IEEE A generic term for all terminal devices 3870 connected to the 802.16x-based portable Internet, and / or all terminal devices 3870 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected 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 A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the I It is preferable to include at least one or more WLAN terminal connected to the EEE 802.11x-based WLAN.

In addition, the financial institution server 3885 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 a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 3885 may be a CDMA-based (and / or HSDPA-based) mobile communication network and / or an IEEE 802.16x-based portable device according to the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds 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 financial institution server 3885, inputs and / or selects at least one or more information through the user interface, and transmits the same to the financial institution server 3885. It is preferable that a function configuration (e.g., a browser program and communication function or a predetermined communication program and communication function to communicate with the financial institution server 3885) 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 system of opening a security account account 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 financial company server 3885. The communication network and / or the wireless communication network may be provided with a financial transaction service including at least one or more of the customer's bank transaction provided by the predetermined bank, including securities transaction provided by a securities company, or credit card transaction provided by a credit card company. To perform the function of the financial account opening interface for registering the application information to join the securities partnership account.

According to another exemplary embodiment of the present invention, the terminal device 3870 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a bank may be further included, whereby the present invention is not limited.

In the system for opening a securities partnership account as described above, when the terminal device 3870 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company. A financial network connecting the server 3885 includes a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. Performs a function of a financial account opening interface for registering a securities affiliated account subscription application information to be provided; and / or when the terminal device 3870 is the call terminal (not shown), the call terminal (not shown) And a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the financial institution server 3885 to the customer. Opening a financial account to register the application for joining a securities partnership account in order to receive a financial transaction service including at least one securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the bank. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the bank, which is the terminal apparatus 3870, and / or the terminal (and / or server) (not shown). And a network connecting the terminal (and / or server) (not shown) to the financial institution server 3885, the securities transaction or credit card company provided by a securities company other than the bank transaction provided by the predetermined bank. Register to sign up for a securities partnership account to receive a financial transaction service that includes at least one credit card transaction, etc. To carry out the functions of the financial account opening interface.

The storage medium 3880 provided on the securities affiliated account account opening system according to the present invention is capable of providing the customer information, account information, and securities transactions included in the securities affiliated account subscription information provided from the terminal device 3870. It is characterized in that to store the information on the securities partnership account, including at least one or more product information, beneficiary certificates information for free withdrawal products.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system in response to the customer It is preferable to include at least one.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

According to an embodiment of the present invention, the storage medium 3880 is provided in the DBMS on the financial system 3020 provided on the securities affiliate account opening system (or associated with the securities cooperation account opening system). Preferably, the storage medium 3880 is a ledger D / B 3875 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3875. The present invention is not limited thereto.

According to another method of the present invention, the storage medium 3880 is provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the security account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 3885 provided on the securities affiliate account opening system according to the present invention is a generic term for the components of the securities cooperation account opening system connected to the terminal device 3870 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 exemplary embodiment of the present invention, when the terminal device 3870 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 financial institution server 3885 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system 3020 through the Internet banking system. A foreign system on the financial system 3020 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system (3020), thereby It was not limited.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 3885 may be configured on the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 3020 through the wireless banking system. A server provided in the external system on the financial system 3020 that is a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external system on the financial system 3020, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 3885 is connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program included in the telebanking server, and / or the financial system 3020 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 3020, and / or a program provided in the external system on the financial system 3020, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 3885 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 3020 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 3020 accessible through the TV banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external world on the financial system 3020, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the financial company server 3885 is provided with an interface unit 3800 for connecting and managing a predetermined communication channel with the terminal device 3870 through the network means.

According to an exemplary embodiment of the present invention, when the terminal device 3870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 3800 may be defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a 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. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3800 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 financial institution server 3885, the interface unit 3800 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a financial automation device connected to a predetermined financial network, the interface unit 3800 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 3800 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 3800 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 financial institution server 3885, the interface unit 3800 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 3800 may include the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 3800 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 terminal device 3870 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 3800 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 38, when a predetermined terminal device 3870 connects a predetermined communication channel with the financial institution server 385 through the interface unit 3800, the financial institution server 3855 may be provided at the predetermined bank. In addition to the bank transaction provided by the securities company, or to provide a financial transaction service including at least one or more, such as a credit card transaction provided by a credit card company, the terminal device (3870) a predetermined securities affiliate account subscription application information Generate (or extract) at least one user interface for inputting (or selecting) to the financial institution server 3885, and generating the generated (or extracted) user interface in association with the interface unit 3800. The interface providing unit 3805 provided to the terminal device 3870 and the stock through the user interface in the terminal device 3870. And inputting (or selecting) the account registration request information, the information receiving unit 3810 receiving the securities affiliate account subscription application information transmitted from the terminal device 3870 in connection with the interface unit 3800. Characterized in that made.

The interface providing unit 3805 connects a predetermined communication channel with the financial institution server 3885 through the interface unit 3800, and then connects the predetermined bank to the financial institution server 3885. When the user interface is requested to receive a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the service provider, the terminal device 3870 Create (or select) at least one user interface for inputting (or selecting) securities affiliated account subscription application information to the financial institution server 3885 via the network means, and / or extract from a predetermined database (not shown) The user interface generated in conjunction with the interface unit 3800 is extracted (or extracted) from the network. Through the means it is characterized in that provided in the terminal device (3870).

According to an embodiment of the present invention, when the terminal device 3870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 3805 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3800.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a financial automation device connected to a predetermined financial network, the interface providing unit 3805 is provided as a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 3800.

According to another exemplary embodiment of the present invention, when the terminal apparatus 3870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 3805 is 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 3800.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 3805 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 3800 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 3870 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 3805 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 3800.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined subscription information on subscription to the terminal 3870 to the financial institution server 3885 through the network means is transmitted. In the case where a predetermined information registration program is provided, the user interface for inputting (or selecting) the predetermined information on the subscription of securities affiliated accounts as described above is generated (or extracted) for transmission to the financial institution server 3885 and The interface providing unit 3805 provided to the terminal device 3870 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 3870 inputs the customer information, the account information, the product information on the freely withdrawal product that can be traded through the user interface, and the securities partnership account subscription information including at least one beneficiary information. Or) transmits the input (or selected) securities affiliated account subscription information to the financial institution server 385 through the network means, and correspondingly, the information receiving unit 3810 is connected to the interface unit 3800. It is characterized in that for receiving the securities affiliated account subscription application information transmitted from the terminal device 3870.

According to an embodiment of the present invention, the terminal device 3870 may include the customer information, account information, product information on a freely withdrawal product capable of securities trading, and beneficiary policy information including at least one of the information on subscription to a securities affiliated account. The OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the securities affiliate account subscription application information by the financial institution server 3885 It is preferable to further include at least one or more to transmit to the financial institution server (3885) through the network means.

According to an exemplary embodiment of the present invention, the terminal device 3870 may include at least one of the customer information, the account information, the product information on the freely withdrawal product, which is available for securities trading, and the securities partnership account subscription information including at least one beneficiary certificate information. Encrypt using one or more encryption methods (eg, symmetric key based encryption methods, and / or public key based encryption methods, and / or electronic envelope based encryption methods, and / or key exchange based encryption methods), and / or the security It is preferable to attach a predetermined electronic signature to the affiliated account subscription application information and transmit it to the financial institution server 3885 through the network means. For this purpose, the terminal device 3870 includes at least one encryption corresponding to the encryption method. Have a key, and / or have a predetermined public certificate including at least one encryption key And, and / or when the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the securities affiliate account subscription information, and a technique of attaching a predetermined electronic signature to the securities affiliate account subscription information. Since you will be familiar with the features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 38, when the financial institution server 3885 receives the securities affiliate account subscription request information transmitted from the terminal device 3870 through the information receiver 3810, the received brokerage account subscription information is received. Validating unit to confirm whether the financial transaction service including at least one or more securities transactions provided by the securities company, or credit card transactions provided by the credit card company in addition to the bank transaction provided by the predetermined bank is satisfied. It is characterized by consisting of (3820).

According to an embodiment of the present invention, the securities affiliate account subscription 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 Or, if encrypted with a key exchange-based encryption method, the validity verification unit 3820 is at least one decryption method (for example, symmetric key-based decryption method) corresponding to the encryption method to the encrypted security account subscription application information , And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to verify the validity of the received securities affiliated account subscription information. Do.

Alternatively, when a predetermined electronic signature is attached to the securities cooperation account subscription information, the validity checking unit 3820 checks the electronic signature attached to the securities cooperation account subscription information, thereby joining the received securities cooperation account. It is desirable to certify the validity of the application information.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted securities affiliate account subscription information, and the electronic signature attached to the securities affiliate account subscription information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the security subscription account subscription information received through the information receiving unit 3810 further includes a predetermined password for confirming the validity of the security subscription account subscription information, the validity The verification unit 3820 compares and authenticates the password included in the securities affiliate account subscription request information with the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received securities affiliate account subscription information. It is desirable to authenticate.

Alternatively, when the security partnership account subscription information received through the information receiver 3810 further includes predetermined security card information for confirming the validity of the security partnership account subscription information, the validity verification unit ( 3820) compares and authenticates the security card information included in the securities affiliate account subscription application information and the security card information provided corresponding to the customer on the DBMS, thereby validating the received security partnership account subscription information. It is desirable to authenticate.

Alternatively, when the security tie-up account subscription information received through the information receiver 3810 further includes a predetermined OTP code for checking the validity of the security tie-up account subscription information, the validity checker 3820 ) Compares and authenticates the received OTP code included in the securities affiliate account subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received securities cooperation It is desirable to verify the validity of the account subscription information.

According to the method of the present invention, the validity of the information on the subscription application for the securities affiliate account is applied to the securities affiliate account subscription to the ledger D / B 3875 on the financial system 3020 associated with the account opening account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the validity of the securities affiliated account subscription application information may be linked to the securities affiliated account opening system among the customer information (customer personal information, member information, etc.) among the information included in the securities affiliated account subscription information. It is preferable to include a match with the customer ledger stored in the ledger D / B (3875) on the financial system 3020.

Referring to FIG. 38, when the validity of the securities affiliate account subscription application information is authenticated through the validity confirming unit 3820, the financial institution server 3885 includes predetermined information including the received securities affiliate account subscription application information. An electronic document generation unit 3825 for generating an electronic document of a security partnership account account, and an electronic document transmission unit 3830 for transmitting the generated security partnership account account electronic document to an electronic document repository associated with the security account account opening system. It is characterized by comprising a).

The electronic document generation unit 3825 generates a security partnership account account electronic document including the subscription information of the subscription application received from the terminal device 3870 through the information receiving unit 3810.

According to an exemplary embodiment of the present invention, the electronic document generation unit 3825 may include customer information, account information, and securities trading freely withdrawn in the securities partnership account subscription information received through the information receiving unit 3810. A document content including at least one product information and a beneficiary certificate information, and a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP). (A word processing file including at least one of / DOC, or a web document file including an MHT), such as a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to the bank transaction provided by the predetermined bank. It is desirable to process the securities partnership account electronic documents for the provision of financial transaction services including at least one of the above. It is.

Alternatively, the electronic document generator 3825 may include customer information included in the securities affiliated account subscription information received through the information receiver 3810, account information, product information on freely withdrawable products capable of trading securities, and beneficiary information. Generating at least one document content including at least one of at least one of customer information included in the securities affiliated account subscription information, account information, merchandise information on freely withdrawable products capable of trading securities, and beneficiary information; After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processor file including at least one or a web document file including an MHT). In addition to banking transactions, it is preferable that the securities trading account provided by a securities company, or a credit card transaction provided by a credit card company, etc. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more.

Alternatively, the electronic document generator 3825 may include customer information included in the securities affiliated account subscription information received through the information receiver 3810, account information, product information on freely withdrawable products capable of trading securities, and beneficiary information. Generating a document content including at least one of the at least one document content; and capturing the image content including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory) at the predetermined bank. In addition to the bank transaction provided, it is preferable to process the securities trading account electronic documents for securities trading provided by a securities company or a financial transaction service including at least one or more credit card transactions provided by a credit card company.

Alternatively, the electronic document generator 3825 may include customer information included in the securities affiliated account subscription information received through the information receiver 3810, account information, product information on freely withdrawable products capable of trading securities, and beneficiary information. Generating document content including at least one of the document content and capturing the document content in the image content (for example, image content generated by capturing the document content in memory) included in the securities partnership account subscription information. After including at least one or more information of the customer information, account information, commodity information on freely withdrawal products that can be traded securities, beneficiary certificates information in a watermarking (watermarking) method, and an image file including the image content including the watermarking Securities transactions or new services provided by securities companies in addition to bank transactions provided by the predetermined banks. To process credit card transactions, such as provided by the issuer to the securities accounts Partner accounts to receive electronic documents providing financial trading services that includes at least one is preferable.

According to another exemplary embodiment of the present invention, the electronic document generation unit 3825 may include customer information, account information, and freely available withdrawal products that are included in the securities partnership account subscription information received through the information receiving unit 3810. Generating document content including at least one product information and a beneficiary certificate information, and including image content (eg, image content generated by capturing the document content in memory); A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, the securities transaction provided by the securities company or credit card company provided in addition to the bank transaction provided by the predetermined bank It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one credit card transaction.

Alternatively, the electronic document generator 3825 may include customer information included in the securities affiliated account subscription information received through the information receiver 3810, account information, product information on freely withdrawable products capable of trading securities, and beneficiary information. Generating document content including at least one of the document content and capturing the document content in the image content (for example, image content generated by capturing the document content in memory) included in the securities partnership account subscription information. Create image content including at least one or more of customer information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary information, by watermarking the image content including the watermarking. Document files that are included (for example, Portable Document Format (PDF) files, or EDI (Electronic Data Interchange) files Day, or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that a securities transaction or credit provided by a securities company in addition to the bank transaction provided by the predetermined bank. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more credit card transactions provided by a card company.

According to another exemplary embodiment of the present invention, the electronic document generating unit 3825 may include customer information, account information, and securities trading freely available in the securities affiliated account subscription information received through the information receiving unit 3810. Generating document content including at least one of product information and beneficiary information on a product, and capturing the document content (e.g., image content generated by capturing the document content in memory); A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the information on the subscription of the securities affiliated account, or the MHT. By generating a web document file, including), in addition to the bank transaction provided by the predetermined bank provided by the securities company It is preferable to process a securities trading account electronic document for securities transactions or financial transaction services including at least one or more credit card transactions provided by a credit card company.

Alternatively, the electronic document generator 3825 may include customer information included in the securities affiliated account subscription information received through the information receiver 3810, account information, product information on freely withdrawable products capable of trading securities, and beneficiary information. Generating document content including at least one of the document content and capturing the document content in the image content (for example, image content generated by capturing the document content in memory) included in the securities partnership account subscription information. Generate image content including at least one of customer information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary information, by watermarking, and the image content including the watermarking; A document file (eg, Portable Document Format) containing the securities affiliate account subscription information Day, or 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), thereby creating a bank transaction provided by the bank. It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 3825, the technical features of generating an electronic document of the securities affiliate account account of the image file format and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic document of the securities partnership account, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 3830 transmits and stores the electronic document generating account electronic document generated by the electronic document generating unit 3825 to a predetermined electronic document repository associated with the security account opening account opening system. It features.

As shown in FIG. 38, the electronic document repository is connected to a financial company server 385 and a predetermined electronic document server 3890 and an electronic document D / B ( 3865, the electronic document transmitting unit 3830 may transmit the electronic document server electronic document generated by the electronic document generating unit 3825 through the communication means. 3890).

Here, when the electronic document server 3890 and the electronic document D / B 3865 are provided outside the security account opening system, the electronic document server 3890 and the electronic document D / B 3865 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the security account account opening system, the electronic document transmitting unit 3830 is generated by the electronic document generating unit 3825. The electronic document D / B 3865 corresponding to the electronic document storage on the DBMS provided in the security account account opening system can be stored, thereby limiting the present invention. .

According to an embodiment of the present invention, the electronic document transmission unit 3830 may transmit the electronic document related information (eg, the securities affiliate account subscription application information) to generate predetermined electronic document management information in the electronic document server 3890. Customer information transmitted by input (selection), and / or bank information for transmitting the securities affiliate account electronic document, and / or electronic document file format information, and / or the securities cooperation account subscription information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 38, the financial company server 3855 may include a securities company in addition to the bank transaction provided by the predetermined bank through the validity checking unit 3820, through which the securities partnership account subscription information received through the information receiving unit 3810 is applied. When the validity for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company is certified, An information generation unit 3835 for generating the financial account information based on the information, the account information, the product information on the freely withdrawable product that can be traded in the securities, and the beneficiary securities information; It is characterized by comprising an account establishment unit (3840) for opening the processing.

When the validity confirmation of the securities affiliate account subscription information is confirmed by the validity confirming unit 3820, the information generator 3835 may enable customer information, account information, and securities transactions included in the securities cooperation account subscription information. The financial account information is generated on the basis of product information and beneficiary information on free and withdrawal products.

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and the securities affiliate account includes a savings attribute. In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

The account opening unit 3840 generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 3020 (or checks a customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the securities affiliated account subscription information. In addition to banking transactions provided by a predetermined bank, a predetermined financial account for processing a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided. do.

According to an exemplary embodiment of the present invention, when the financial company server 3885 and the financial system 3020 exist in the same system, the account opening unit 3840 may be linked with the financial system 3020 in a ledger D / B. It is preferable to generate a predetermined ledger in 3838 including the financial account information.

According to another exemplary embodiment of the present invention, when the financial company server 3885 and the financial system 3020 exist on another system connected through a predetermined communication unit, the account opening unit 3840 may use a predetermined communication unit. Through the external system on the financial system (3020) it is preferable to request the ledger D / B (3875) on the other financial system (3020) to generate a predetermined account ledger including the financial account information.

Referring to FIG. 38, the financial company server 3855 may include a securities company in addition to the bank transaction provided by the predetermined bank through the validity checking unit 3820, through which the securities partnership account subscription information received through the information receiving unit 3810 is applied. When the validity for receiving a financial transaction service including at least one or more securities transactions or credit card transactions provided by a credit card company is certified, And an information storage unit 3845 for storing the information and the account information, the product information on the freely withdrawable product that can be traded in the securities, and the securities partnership account information including at least one or more securities information on a predetermined storage medium 3880. It is characterized by.

When the validity of the security tie-up account subscription information is confirmed by the validity check unit 3820, the information storage unit 3845 is the customer information, account information, and securities trading price included in the security tie-up account subscription information It is characterized in that the storage medium (3880) stores the information on the securities partnership account, including at least one product information, beneficiary certificates information for free withdrawal products possible.

According to an exemplary embodiment of the present invention, when the storage medium 3880 is provided in the financial company server 3885 or on the network associated with the financial company server 3885, the information storage unit 3845 may be used. The storage medium (3880) includes securities cooperation account information including at least one of the customer information and account information included in the received securities cooperation account subscription information, product information on freely withdrawable products capable of trading securities, and beneficiary certificates information. It is preferable to store in.

According to another exemplary embodiment of the present invention, when the storage medium 3880 is provided in a DBMS provided on the financial system 3020, the information storage unit 3845 is included in the received securities partnership account subscription information. The financial system by providing the information system through the external system on the financial system 3020, the securities partnership account information including at least one of the customer information and account information, product information on freely withdrawable products that can be traded securities, beneficiary securities information It is preferable to store in the DBMS provided on the 3020.

Referring to FIG. 38, a financial institution server 3885 provided on the security account account opening system receives a security account account electronic document and stores and manages the electronic document D / B 3865 in a predetermined electronic document D / B. The electronic document server 3890 includes an electronic document receiving unit 3850 for receiving a predetermined security account account electronic document from the financial institution server 3885 through a predetermined communication means, and the received security account account electronic document. An information generation unit 3855 for generating predetermined electronic document management information for storage and management in the electronic document D / B 3865, and the electronic document management information and the securities affiliate account electronic document in a predetermined process. An electronic document storage unit 3860 for storing in the electronic document D / B (3865) of the.

The electronic document receiving unit 3850 may receive an electronic document of an account security account account in the form of an image file and / or a document file from the financial company server 3885 through the communication means.

According to the exemplary embodiment of the present invention, the securities affiliate account electronic document received by the electronic document receiver 3850 through the communication means is a securities affiliate account received by the financial company server 385 from the terminal device 3870. A document file (eg, a Portable Document Format (PDF) file) containing document information including at least one or more of customer information included in the subscription application information, account information, product information on freely withdrawable products that can be traded, and beneficiary certificates; 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).

Alternatively, the electronic document receiver 3850 receives the securities affiliated account account electronic document received through the communication means, the customer included in the securities affiliated account subscription information received by the financial institution server 385 from the terminal device 3870. Customer information, account information, securities trading free securities trading information in the document content including at least one information, account information, product information on freely withdrawal products that can be traded securities, beneficiary securities information After including at least one or more information of the commodity information, beneficiary certificates information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or MHT. It is preferred which comprises a web, such as a document file) to.

Alternatively, the electronic document receiver 3850 receives the securities affiliated account account electronic document received through the communication means, the customer included in the securities affiliated account subscription information received by the financial institution server 385 from the terminal device 3870. Image content capturing document content including at least one information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary certificate information (e.g., image content generated by capturing the document content in memory). It is preferable to include an image file containing a).

Alternatively, the electronic document receiver 3850 receives the securities affiliated account account electronic document received through the communication means, the customer included in the securities affiliated account subscription information received by the financial institution server 385 from the terminal device 3870. Image content capturing document content including at least one information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary certificate information (e.g., image content generated by capturing the document content in memory). ) At least one or more of the customer information, the account information, the product information for the freely withdrawal products that can be traded securities, and the beneficiary certificate information included in the securities affiliate account subscription application information in a watermarking manner, It is preferable to include an image file including image contents including markings. All.

According to another exemplary embodiment of the present invention, the securities affiliate account electronic document received by the electronic document receiver 3850 through the communication means may be a securities partnership received by the financial company server 3885 from the terminal device 3870. Image content capturing document contents including at least one of customer information included in the account subscription application information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) containing at least one document file including image content captured and generated in memory. , Or a web document file including MHT).

Alternatively, the electronic document receiver 3850 receives the securities affiliated account account electronic document received through the communication means, the customer included in the securities affiliated account subscription information received by the financial institution server 385 from the terminal device 3870. Image content capturing document content including at least one of information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary certificate information (eg, image content generated by capturing the document content on a memory). ) Image contents including at least one of customer information, account information, commodity information on freely withdrawable products that can be traded in securities transactions, and beneficiary certificates information included in the securities affiliated account application information in a watermarking manner. A document file (eg, PDF (Porta) generated and containing the image content including the watermarking a ble Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another embodiment of the present invention, the securities partnership account electronic document received by the electronic document receiving unit 3850 via the communication means is the securities received by the financial company server 385 from the terminal device 3870 Image content (e.g., the document content) that captures document information including at least one of customer information included in the affiliated account subscription information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content generated by capturing the image in memory and the securities partnership account subscription information. A word processor file including at least one, or a web document file including an MHT). It is.

Alternatively, the electronic document receiver 3850 receives the securities affiliated account account electronic document received through the communication means, the customer included in the securities affiliated account subscription information received by the financial institution server 385 from the terminal device 3870. Image content capturing document content including at least one information, account information, product information on freely withdrawal products that can be traded in securities, and beneficiary certificate information (e.g., image content generated by capturing the document content in memory). ) Image contents including at least one of customer information, account information, commodity information on freely withdrawable products that can be traded in securities transactions, and beneficiary certificates information included in the securities affiliated account application information in a watermarking manner. Generating image content including the watermarking and the securities partnership account subscription information A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

The information generating unit 3855 is a predetermined electronic document unique number (or unique information) to be assigned to the securities affiliate account electronic document received through the electronic document receiving unit 3850, and through the electronic document receiving unit 3850 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 securities affiliate account electronic document is stored) when the electronic document is received. .

According to an exemplary embodiment of the present invention, the information generating unit 3855 refers to the securities affiliate account by referring to the financial institution server 3885 that transmitted the securities affiliate account electronic document received through the electronic document receiving unit 3850. It is preferable to confirm the bank that sent the account electronic document, and generate the electronic document management information further including the verified bank information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 3850 further receives a predetermined electronic document related information from the financial company server 3885, the information generating unit 3855 is the received electronic Document information (e.g., customer information sent by entering (selecting) the securities affiliate account subscription information, and / or bank information transmitting the securities cooperation account account electronic document, and / or electronic document file format information, and And / or the securities affiliated account subscription information).

The electronic document storage unit 3860 associates a securities partnership account electronic document received through the electronic document receiving unit 3850 with electronic document management information generated by the information generating unit 3855 to process a predetermined electronic document. It is characterized in that the storage in the D / B (3865).

According to the exemplary embodiment of the present invention, the financial institution server 3885 stores the electronic document storage unit 3860 in the electronic document D / B 3865 by the financial company server 3885 of the terminal device 3870. Document files (eg, PDFs) containing document information including at least one of customer information, account information, product information on freely withdrawable products that can be traded in securities trading, and beneficiary certificates information received from the securities partnership account subscription information received from A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the securities affiliate account electronic document stored in the electronic document D / B 3865 by the electronic document storage unit 3860 may be a subscription of a securities affiliate account received by the financial company server 3885 from the terminal device 3870. Customer information, account information, included in the application for subscription to the securities partnership account in document content including at least one of customer information, account information, product information on freely withdrawable products that can be traded in securities transactions, and beneficiary securities information included in the application information; After including at least one or more information of the commodity information, beneficiary certificate information for securities trading freely withdrawal products by watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document) A word processor file including at least one of a Format file, an EDI file, a HWP / DOC, or the like. Be made, including also the web document file) is preferred.

Alternatively, the securities affiliate account electronic document stored in the electronic document D / B 3865 by the electronic document storage unit 3860 may be a subscription of a securities affiliate account received by the financial company server 3885 from the terminal device 3870. Image content capturing document content including at least one of customer information included in the application information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. It is preferable to include an image file including the image content generated by capturing.

Alternatively, the securities affiliate account electronic document stored in the electronic document D / B 3865 by the electronic document storage unit 3860 may be a subscription of a securities affiliate account received by the financial company server 3885 from the terminal device 3870. Image content capturing document content including at least one of customer information included in the application information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. Watermarking method of at least one of the customer information, account information, product information on freely withdrawable products that can be traded in securities trading, and beneficiary certificates in the image content generated by capturing After including, preferably comprising an image file containing the image content including the watermarking The.

According to another exemplary embodiment of the present invention, the financial institution server 3885 stores the electronic document storage unit 3860 in the electronic document D / B 3865 by the financial institution server 3885 of the terminal device 3870. Image content capturing document contents including at least one of customer information, account information, merchandise information on freely withdrawable products that can be traded in securities transactions, and beneficiary certificates. For example, at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content generated by capturing the document content in a memory. Or a web document file including the MHT).

Alternatively, the securities affiliate account electronic document stored in the electronic document D / B 3865 by the electronic document storage unit 3860 may be a subscription of a securities affiliate account received by the financial company server 3885 from the terminal device 3870. Image content capturing document content including at least one of customer information included in the application information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. Watermarking method of at least one of the customer information, account information, product information on freely withdrawable products that can be traded in securities trading, and beneficiary certificates in the image content generated by capturing A document file including image content including the watermarking and generating the image content including the watermark; or a rtable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the financial institution server account electronic document that the electronic document storage unit 3860 stores in the electronic document D / B (3865) is the financial company server (3885) the terminal device ( Image content capturing document contents including at least one of customer information, account information, product information on freely withdrawable products that can be traded in securities trading, and beneficiary information included in the securities partnership account subscription information received from 3870). (E.g., image content generated by capturing the document content in memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the securities affiliate account subscription information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). Preferable.

Alternatively, the securities affiliate account electronic document stored in the electronic document D / B 3865 by the electronic document storage unit 3860 may be a subscription of a securities affiliate account received by the financial company server 3885 from the terminal device 3870. Image content capturing document contents including at least one of customer information included in the application information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. Watermarking at least one or more of the customer information, account information, product information on freely withdrawable products that can be traded in securities trading, and beneficiary information included in the securities partnership account subscription information. Generating image content including the image content, and the image content including the watermarking and the securities partnership account subscription information. 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 the like), or a web document file including an MHT). It is preferable to comprise a.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 3865 by the electronic document storage unit 3860 in association with the electronic document storage account electronic document is stored in the security paper partnership account. Preferably, a predetermined electronic document unique number (or unique information) assigned to the account electronic 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 3865 by the electronic document storage unit 3860 in association with the electronic document storage account electronic document is stored in the security partnership. Preferably, the banking information is further included in the bank information for transmitting the electronic document with the securities partnership account confirmed with reference to the financial institution server (3885) that sent the account electronic documents.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial company server 385, the electronic document storage unit 3860 processes the electronic document storage in association with the securities partnership account electronic document. The electronic document management information stored in the electronic document D / B 3865 includes customer information transmitted by inputting (selecting) the electronic document related information (for example, inputting the securities affiliate account subscription information), and / or the securities. Bank information, and / or electronic document file format information, and / or the securities affiliated account subscription information, etc.).

39 illustrates an implementation method in which a storage medium 3880 for storing securities affiliate account information corresponding to a securities affiliate account opened in a non-face-to-face manner according to an embodiment of the present invention is provided in a DBMS on the financial system 3020. Figure is shown.

In more detail, FIG. 39 shows that the storage medium 3880 shown in FIG. 38 is the ledger D / B 3875 provided in the DBMS on the financial system 3020, or is provided in the ledger D / B 3875. In this case, the information structure for one embodiment of the method of storing the securities affiliated account information is stored in the ledger information provided in the ledger D / B (3875), the person having ordinary skill in the art By referring to and / or modifying this drawing 39, various information construction methods for storing the securities affiliated account information in the ledger D / B 3875 may be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Referring to Figure 39 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (3875) provided in the DBMS on the financial system 3020 is associated with a predetermined customer ledger, and the customer ledger It is shown that the account ledger corresponding to the financial account opened through the securities affiliated account account opening system shown in FIG. 38 and at least one information associated with the account ledger are included in the art. If the person with knowledge, the ledger D / B (3875) provided in the DBMS on the financial system (3020) has at least one ledger (for example, receiving ledger, loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Because be aware group the technical details, the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area 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 relationally linked to the customer ledger, and correspond to the financial account, the account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 39, wherein the storage medium 3880 is the ledger D / B 3875 or includes an implementation method provided in the ledger D / B 3875, according to an embodiment of the present invention. At least one of the customer information and account information included in the securities affiliate account subscription information provided through the securities affiliate account opening system shown in FIG. 38, product information on freely withdrawable products capable of trading securities, and beneficiary securities information. Securities affiliated account information is stored in the form of additional information added to the account ledger.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection that includes at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system in response to the customer It is preferable to include at least one.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

According to another embodiment of the present invention, the securities affiliate account subscription information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

40 is a ledger D provided in a DBMS on a financial system 3020 having a storage medium 4000 for storing securities affiliate account information corresponding to a securities affiliate account opened in a non-face to face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with / B 3875.

In more detail, FIG. 40 illustrates an embodiment in which the storage medium 4000 illustrated in FIG. 38 includes a predetermined database linked to the ledger D / B 3875 included in the DBMS on the financial system 3020. As shown in the information structure, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 40 to transfer the information of the security partnership account to a predetermined database in the ledger D / B (3875). It will be possible to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 40, when it is not easy to store the securities affiliated account information in the ledger information of the ledger D / B 3875 on the DBMS provided on the financial system 3020 (e.g., in the policy of the bank, the DBMS It is not easy to change the ledger D / B 3875 of the company, or the system expansion is not easy due to the nature of the financial system 3020), and the securities tie-up to a predetermined database instead of the ledger D / B 3875 A method of storing account information and linking and storing the database and the ledger D / B 3875 is illustrated.

In addition, the database shown in FIG. 40 does not have to be provided on a DBMS provided on the financial system 3020 as in the embodiment shown in FIG. 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.

According to another embodiment of the present invention, referring to FIG. 40, the storage medium 4000 includes a database associated with the ledger D / B 3875 provided in the DBMS on the financial system 3020. And storing securities partnership account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, and product information on freely withdrawal products capable of securities trading. Preferably, the securities affiliate account information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 3875.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system in response to the customer It is preferable to include at least one.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

FIG. 41 includes a DBMS provided in a banking server 4100 in a storage medium 4000 for storing securities affiliate account information corresponding to a securities affiliate account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. It is a figure which shows the implementation method.

In more detail, FIG. 41 illustrates a predetermined banking system in which the storage medium 4000 shown in FIG. 38 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 4100, 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 securities affiliated account information stored in a predetermined DBMS provided in 4100, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

According to another embodiment of the present invention, referring to FIG. 41, in which the storage medium 4000 includes a DBMS provided in the banking server 4100, a predetermined DBMS provided in the banking server 4100 may be provided. And storing the customer information and the account information included in the securities affiliate account subscription application information, the product information on the freely withdrawal products capable of securities trading, and the securities affiliate account information including at least one beneficiary certificate information.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system in response to the customer It is preferable to include at least one.

In addition, the beneficiary certificate information is that the customer purchases a predetermined beneficiary securities sold by a predetermined fund manager (or a securities company), and the information on the purchased beneficiary certificate is described in the securities partnership account subscription application when opening a securities partnership account It is preferable to mean a beneficiary certificate number.

42A and 42B include at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to a bank transaction provided by a predetermined bank in a non-face-to-face manner according to an exemplary embodiment of the present invention. This is a diagram illustrating a process of opening a securities affiliated account for receiving financial transaction services.

In more detail, in FIG. 42A and FIG. 42B, the terminal device 3870 on the security account opening system shown in FIG. 38 is a client terminal, and the financial institution server 3885 is connected to a client terminal through a predetermined network means. In the case of having a function of a web server, a financial transaction service including at least one of a predetermined customer, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company, in addition to a bank transaction provided by a predetermined bank. In order to open a securities affiliate account for receiving the securities affiliate account subscription information including at least one of customer information, account information, product information for freely withdrawal products that can be traded securities, and beneficiary certificates information through the client terminal; If provided, the customer information in the securities partnership account opening system Securities transactions provided by securities companies in addition to bank transactions provided by the predetermined banks on the basis of information on application for subscription to securities partnership accounts including at least one of information, account information, product information on freely withdrawable products that can be traded in securities, and beneficiary certificates. Or an implementation method of opening and processing the securities affiliated account for receiving a financial transaction service including at least one credit card transaction provided by a credit card company. If you have, it will be able to infer various implementation methods for registering the securities affiliate account subscription information from the client terminal to the financial company server (3885) by referring to and / or modified with reference to Figures 42a and 42b, but the present invention Includes all of the inferred implementation methods, and also in FIGS. 42A and 42B. Not limited by the embodiment method.

For example, although the method shown in FIGS. 42A and 42B includes a process of generating a predetermined electronic document corresponding to the securities affiliate account subscription information and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, according to the embodiment of the present invention shown in Figures 42a and 42b, the financial institution server 3885 provides a user interface for the client terminal to input (or select) the securities affiliate account subscription information. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the financial institution server 3885, and the present invention is not limited thereto.

Hereinafter, in FIGS. 42A and 42B, the client terminal shown in FIG. 38 is referred to as a "terminal" for convenience, and the financial institution server 3885 shown in FIG. 38 is referred to as a "server" for convenience. The customer information, the account information, the product information for free withdrawal products that can be traded in securities, and the beneficiary certificate information transmitted to the financial company server 3885 are referred to as "securities affiliate account subscription information" for convenience.

42A and 42B, when the client terminal illustrated in FIG. 38 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, and connect a predetermined communication channel, When a web page including a user interface for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company is provided (4200) In response, the server may provide the customer information, account information, product information for freely withdrawal products that can trade securities. Generate (or extract) a web page including a user interface for inputting (or selecting) securities affiliate account subscription request information including at least one of securities information to the server (4205), and through the network means; The web page including the generated (or extracted) user interface is transmitted to the terminal and output (4210).

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 securities affiliate account subscription application information registration procedure. It is not limited.

Subsequently, the terminal inputs at least one or more customer information, account information, product information on freely withdrawable products that can be traded through a user interface included in the web page, and information on subscription to a securities partnership account including beneficiary information. (4215).

If the terminal inputs (or selects) the customer information, the account information, the securities partnership account subscription application information including the beneficiary policy information, the commodity information for the freely available withdrawal product, and the securities transaction (4220), through the user interface; The terminal transmits the input (or selection) of the customer information, the account information, the product information for the freely withdrawal products available for securities trading, the beneficiary certificate information through the communication channel (4225).

According to an embodiment of the present invention, the terminal may include the customer information, the account information, the product information for the freely withdrawal product, which is available for securities trading, and the securities partnership account subscription information including at least one or more securities information. The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the affiliated account subscription information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal may include at least one encryption method for the subscription information of the securities partnership account including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded, and the beneficiary information. (E.g., symmetric key based 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 to apply for the security partnership account Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method for the subscription information of the securities partnership account including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded, and the beneficiary information. (E.g., 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 exchange based encryption method) to be transmitted to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate Is provided in a predetermined IC chip (or IC card), the space provided in the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the securities affiliate account subscription information, and a technique of attaching a predetermined electronic signature to the securities affiliate account subscription information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Subsequently, the server receives and reads the customer information, the account information, the product information on the freely withdrawal product, and the beneficiary certificate information through the communication channel to confirm the validity of the subscription application information ( 4230).

According to an embodiment of the present invention, the securities affiliate account subscription 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 Or a key exchange-based encryption scheme, etc., the server converts the encrypted securities affiliate account subscription information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public) corresponding to the encryption scheme. 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 securities affiliate account subscription information.

Or, if a predetermined electronic signature is attached to the securities affiliate account subscription information, the server checks the electronic signature attached to the securities affiliate account subscription information, the validity of the received securities affiliate account subscription information It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted securities affiliate account subscription information, and the electronic signature attached to the securities affiliate account subscription information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the security subscription account subscription information received through the information receiving unit 3810 further includes a predetermined password for confirming the validity of the security subscription account subscription information, the server It is preferable to authenticate the validity of the received securities affiliate account subscription information by comparing and authenticating the password included in the securities affiliate account subscription application information with the password provided corresponding to the customer on the DBMS. .

Alternatively, when the security subscription account subscription information received through the information receiver 3810 further includes predetermined security card information for checking the validity of the security subscription account subscription information, the server may include the security information. It is preferable to authenticate the validity of the received securities affiliate account subscription information by comparing and authenticating the received security card information included in the affiliated account subscription information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the securities affiliated account subscription information received through the information receiver 3810 further includes a predetermined OTP code for checking the validity of the securities affiliated account subscription information, the server performs the securities cooperation. By comparing and authenticating the received OTP code included in the account subscription application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to the method of the present invention, the validity of the information on the subscription application for the securities affiliate account is applied to the securities affiliate account subscription to the ledger D / B 3875 on the financial system 3020 associated with the account opening account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the securities affiliated account subscription information is performed by linking the customer information (customer personal information or member information, etc.) among the information included in the securities affiliated account subscription information to the securities affiliated account account opening system. It is preferable to include a match with the customer ledger stored in the ledger D / B (3875) on the financial system 3020.

If the validity of the securities affiliate account subscription application information is not authenticated (4235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (4240), and the securities affiliate account account Do not perform the opening procedure.

On the other hand, if the validity of the securities affiliate account subscription application information is authenticated (4235), the server includes at least one or more customer information, account information, and commodity information on the securities trading account securities trading application information. In operation 4250, a predetermined document content including the beneficiary certificate information is generated and a predetermined security partnership account electronic document including the document content is generated (4250).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, account information, commodity information on freely available withdrawal and securities trading, and beneficiary information included in the received securities affiliate account subscription information. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document files including MHT) to receive a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by the predetermined banks. It is desirable to process securities partnership account electronic documents.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, After the watermarking method includes at least one of customer information, account information, commodity information for freely withdrawable products that can be traded in securities transactions, and beneficiary certificates information in the document contents, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. Web document files, etc.) provided by the securities company in addition to the bank transaction provided by the predetermined bank. It is preferable to process a securities trading account electronic document for securities transactions or financial transaction services including at least one or more credit card transactions provided by a credit card company.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Securities transactions provided by securities companies other than bank transactions provided by the predetermined banks, including image files capturing document contents (eg, image contents generated by capturing the document contents in memory), or It is preferable to process a securities affiliate account electronic document for receiving a financial transaction service including at least one credit card transaction provided by a credit card company.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Image content captured from document content (e.g., image content generated by capturing the document content in memory) to customer information, account information, and freely available withdrawal products that can be traded in the securities partnership account. After including at least one or more information of the commodity information, beneficiary certificates information by watermarking (Watermarking) method, the image file including the image content including the watermarking provided by the securities company other than the bank transaction provided by the predetermined bank Securities transactions or credit card transactions offered by credit card companies To process at least a securities account Affiliate account for receiving electronic documents providing financial trading services that includes one or more preferred.

According to another embodiment of the present invention, the server includes at least one or more customer information, account information, product information on freely withdrawal products available securities trading, beneficiary policy information included in the received securities affiliate account subscription information A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). Include at least one securities transaction provided by the securities company or credit card transaction provided by the credit card company. Be treated as securities accounts Partner accounts to receive electronic documents provide banking services is desirable that.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Image content captured from document content (e.g., image content generated by capturing the document content in memory) to customer information, account information, and freely available withdrawal products that can be traded in the securities partnership account. Generating an image content including at least one of product information and beneficiary certificate information by a watermarking method, and a document file (eg, a PDF (Portable Document Format)) containing the image content including the watermarking. Include at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file A word processor file or a web document file including an MHT), and at least one or more of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is preferable to process a securities affiliate account account electronic document for receiving a financial transaction service.

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, account information, commodity information on freely available withdrawal products, and securities securities included in the received securities affiliate account subscription information. A predetermined document file including document content including a document content including the image content (eg, the image content generated by capturing the document content in a memory) and the securities affiliate account subscription 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). Securities transactions provided by securities companies or credit card companies It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one credit card transaction.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Image content captured from document content (e.g., image content generated by capturing the document content in memory) to customer information, account information, and freely available withdrawal products that can be traded in the securities partnership account. A document file including image information including at least one or more information on product information and beneficiary certificate information by a watermarking method, and the image file including the watermarking and the securities affiliate account subscription information; For example, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, By generating a word processor file containing at least one or more HWP / DOC, etc., or a web document file including the MHT), in addition to the banking transactions provided by the predetermined bank securities transactions provided by securities companies, or credit card companies It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one credit card transaction.

Those skilled in the art to which the present invention pertains include technical features that allow the server to generate an electronic document of a securities affiliate account in an image file format and / or a predetermined document file format, and the securities affiliate account account. Since the technical features of the image file corresponding to the document and / or the file format of the document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic security account account electronic document in a predetermined electronic document storage (4255).

As shown in FIG. 38, the electronic document repository includes a predetermined electronic document server 3890 and an electronic document D / B 3865 linked with a server on the security account account opening system through predetermined communication means. In the case of being provided externally, the server preferably transmits the generated securities affiliated account electronic document to the electronic document server 3890 via the communication means and stores the electronic document server 3890 in the electronic document D / B 3865. Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the security account account opening system, the server sends the generated security account account electronic document on the DBMS provided in the security account account opening system. It is possible to store in the electronic document D / B 3865 corresponding to the electronic document storage, by which the present invention is not limited.

According to the method of the present invention, the storing of the electronic document with the security deposit account account in the electronic document storage, as shown in FIG. It is preferable to include storing in the electronic document D / B (3865).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the securities affiliate account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises bank information for transmitting the electronic document, the security partnership account.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the application for joining the securities affiliated account) and / or bank information for transmitting the electronic document of the securities affiliate account. , And / or electronic document file format information, and / or the securities affiliated account subscription information).

If the securities affiliate account electronic document is stored in the electronic document repository (4260), the server includes the customer information included in the securities cooperation account subscription information, account information, and commodity information on freely available withdrawal products. In operation 4265, the financial account information is generated based on the beneficiary information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and the securities affiliate account includes a savings attribute. In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is linked with the financial system 3020 based on the customer information, the account information, the product information on the freely withdrawal products that can be securities trading, the beneficiary policy information included in the securities affiliate account subscription information A financial account under the customer's name including account information is opened (4270).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 3020 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to opening a predetermined financial account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is characterized by.

According to an embodiment of the present invention, when the server and the financial system 3020 exist in the same system, the server sends the financial account information to the ledger D / B 3875 in association with the financial system 3020. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 3020 exist on another system connected through a predetermined communication means, the server is located on the financial system 3020 through a predetermined communication means. It is preferable to request the general ledger D / B 3875 on the other financial system 3020 to generate a predetermined ledger including the financial account information through the external system.

Subsequently, the server generates securities affiliate account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, product information for freely withdrawable products with securities trading, and beneficiary certificates information. The data is stored in the storage medium 4000 (4275).

According to an embodiment of the present invention, when the storage medium 4000 is provided in the server or on a network associated with the server, the server includes the customer included in the received securities partnership account subscription information. Preferably, the storage medium 4000 stores information, account information, commodity information on freely withdrawable products that can be traded in securities, and beneficiary securities information including at least one information.

According to another exemplary embodiment of the present invention, when the storage medium 4000 is provided in the DBMS provided on the financial system 3020, the server may include the customer information included in the received securities partnership account subscription information. Securities partnership account information including at least one or more of the account information, securities trading free and withdrawal products, profitable securities information on the financial system (3020) by providing the information system through the external system on the financial system (3020) It is preferable to store in the provided DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the security account account, and / or storing the security account account electronic document in the electronic document repository, and / or the storage medium ( 4000) generated (or extracted) the details of storing the subscription information of the securities partnership account and transmits the generated information to the terminal (4280).

According to one embodiment of the invention, the storage medium 4000 is provided in the DBMS on the financial system 3020 provided on the securities affiliate account opening system (or associated with the securities cooperation account opening system). Preferably, the storage medium 4000 is a ledger D / B 3875 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3875. The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 4000 is provided on (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the securities affiliate account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

43A, 43B, and 43C are finances including at least one or more securities transactions provided by securities companies or credit card transactions provided by credit card companies, in addition to bank transactions provided by predetermined banks, according to an embodiment of the present invention. A diagram illustrating a process of opening a securities partnership account account for receiving a transaction service.

In more detail, FIGS. 43A, 43B, and 43C illustrate the case where the securities affiliate account opening system shown in FIG. 38 is realized through an Internet banking system among non-face-to-face financial transaction channels (ie, the securities shown in FIG. 38). In the case where the financial institution server 3885 on the affiliated account account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and authenticates a predetermined customer. After performing the procedure, the client terminal is provided with a financial transaction service including at least one or more securities transactions provided by a securities company, or credit card transactions provided by a credit card company, in addition to the bank transactions provided by the predetermined bank. In order to open a Securities Affiliate Account account, the above-mentioned Internet Bang When the transmission to the King server, the predetermined information based on the subscription information application for the securities affiliate account including at least one of the customer information, account information, commodity information for free withdrawal products that can be traded securities, beneficiary certificates information in the Internet banking server In addition to the banking transactions provided by banks, a method of opening and processing the securities partnership account account for receiving a financial transaction service including at least one or more of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 43a, 43b, and 43c to transfer the securities partnership account subscription information through other types of non-face-to-face financial transaction channels. Although various implementation methods of registration may be inferred, the present invention It includes all embodiments and methods, not limited to the exemplary method shown in the figure 43a and figure 43b and 43c drawings.

That is, 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. 43A, 43B, and 43C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a securities affiliated account subscription information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is disclosed. For example, referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 43A, 43B, and 43C, based on a predetermined Internet banking program mounted on the client terminal, Client terminal and inter Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering a securities affiliate account subscription information between banking servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. And the invention is not limited thereby.

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 43a, 43b and 43c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for registration of securities tiered account subscription information. The invention includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention. This is not limited to the case of the Internet banking shown in FIGS. 43A, 43B, and 43C.

In addition, although the method shown in FIGS. 43A, 43B, and 43C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 43a, 43b and 43c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 3885 is referred to as "server" for convenience.

43A, 43B, and 43C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (4300a), the server connects the terminal and the server through the browser. Connect a communication channel (4305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmits a predetermined web page 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 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 (4310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or 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 (4315a), 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 4320a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (4325a), or if the terminal does not need to install and / or update the Internet banking security module (4315a), 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 (4330a), 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 is provided from the terminal to the server for registration of securities affiliated account subscription information. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or 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 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 from the terminal to the server for registration of subscription information for securities affiliated accounts. Attach certain electronic signatures to information (or data) to be provided and / or at least When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding 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 (4335a).

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

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 (4340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (4345a).

If the Internet banking customer authentication fails (4350a), the server blocks the Internet banking security channel for the terminal (4355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (4350a), 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 (4360a), where the Internet banking based The financial transaction channel is provided with a financial transaction service including at least one or more of the bank transaction provided by a predetermined bank from the terminal to the server, including a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It refers to a communication channel that can be registered by transmitting a predetermined application for subscription of securities partnership account.

Thereafter, the terminal includes at least one or more securities transactions provided by securities companies, credit card transactions provided by credit card companies, etc., in addition to the bank transactions provided by the predetermined banks to the server through an internet banking-based financial transaction channel. When requesting a web page including a user interface for receiving a financial transaction service (4300b), the server correspondingly includes at least the customer information, the account information, the product information for the freely withdrawal products available for securities trading, the beneficiary certificate information. Generate (or extract) a web page including a user interface for inputting (or selecting) the securities affiliate account subscription information including one or more and transmitting the same to the server (4305b) and through the internet banking-based financial transaction channel; Recalling a web page including the generated (or extracted) user interface The transmission is output to the terminal (4310b).

According to an embodiment of the present invention, the web page inputs the information on the subscription to the securities partnership account including at least one of customer information, account information, commodity information on freely withdrawable products that can be traded on the securities transaction, and beneficiary information. Or optional) and / or predetermined password and / or security card information (e.g., to confirm validity for an Internet banking customer requesting to register the securities affiliate account subscription information). Authentication information printed on a security card issued to a customer during the internet banking application process, and / or one time password (OTP) (eg, after the internet banking application process (or after an internet banking application)). User interface to enter the password (or one-time password generated by the OTP authentication program) It is preferable to further contain an ear.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times in accordance with the securities affiliate account subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the securities partnership account subscription information including at least one of the customer information, the account information, the product information on the freely withdrawable product, and the beneficiary certificate information through the financial account opening interface. (4315b).

If the terminal inputs (or selects) the securities partnership account subscription information including the customer information, the account information, the commodity information for the freely withdrawable product, and the beneficiary information, through the user interface (4320b), The terminal transmits the input (or selected) securities affiliate account subscription information to the server through the financial transaction channel (4325b).

According to an embodiment of the present invention, the terminal may include the customer information, the account information, the product information for the freely withdrawal product, which is available for securities trading, and the securities partnership account subscription information including at least one or more securities information. The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the affiliated account subscription information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal may include at least one encryption method for the subscription information of the securities partnership account including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded, and the beneficiary information. (E.g., symmetric key based 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 to apply for the security partnership account Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method for the subscription information of the securities partnership account including at least one of the customer information, the account information, the product information on the freely withdrawable product that can be traded, and the beneficiary information. (E.g., 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 exchange based encryption method, etc.) to be transmitted to the server through the network means. Preferably, 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 public certificate. Is provided in a predetermined IC chip (or IC card), the space provided in the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the securities affiliate account subscription information, and a technique of attaching a predetermined electronic signature to the securities affiliate account subscription information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the securities affiliate account subscription application information through the financial transaction channel to confirm the validity of the securities affiliate account subscription application information (4330b).

According to an embodiment of the present invention, the securities affiliate account subscription 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 Or, when encrypted with a key exchange-based encryption method, the server may include at least one decryption method (eg, symmetric key-based decryption method, and / or the like) corresponding to the encryption method. Public key-based decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption.

Or, if a predetermined electronic signature is attached to the securities affiliate account subscription information, the server checks the electronic signature attached to the securities affiliate account subscription information, the validity of the received securities affiliate account subscription information It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption schemes for decrypting the encrypted securities affiliate account subscription information, and the electronic signature attached to the securities affiliate account subscription information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the security subscription account subscription information received through the information receiving unit 3810 further includes a predetermined password for confirming the validity of the security subscription account subscription information, the server It is preferable to authenticate the validity of the received securities affiliate account subscription information by comparing and authenticating the password included in the securities affiliate account subscription application information with the password provided corresponding to the customer on the DBMS. .

Alternatively, when the security subscription account subscription information received through the information receiver 3810 further includes predetermined security card information for checking the validity of the security subscription account subscription information, the server may include the security information. It is preferable to authenticate the validity of the received securities affiliate account subscription information by comparing and authenticating the received security card information included in the affiliated account subscription information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the securities affiliated account subscription information received through the information receiver 3810 further includes a predetermined OTP code for checking the validity of the securities affiliated account subscription information, the server performs the securities cooperation. By comparing and authenticating the received OTP code included in the account subscription application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to the method of the present invention, the validity of the information on the subscription application for the securities affiliate account is applied to the securities affiliate account subscription to the ledger D / B 3875 on the financial system 3020 associated with the account opening account opening system. It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the verification of the validity of the securities affiliated account subscription information is performed by linking the customer information (customer personal information or member information, etc.) among the information included in the securities affiliated account subscription information to the securities affiliated account account opening system. It is preferable to include a match with the customer ledger stored in the ledger D / B (3875) on the financial system 3020.

If the validity of the securities affiliate account subscription application information is not authenticated (4335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (4340b), and the securities affiliate account account Do not perform the opening procedure.

On the other hand, if the validity of the securities affiliate account subscription application information is authenticated (4335b), the server includes at least one or more customer information, account information, and commodity information on the securities trading account securities trading application information. In operation 4350c, a predetermined document content including the beneficiary certificate information is generated (4345b), and a predetermined security partnership account electronic document including the document content is generated (4350c).

According to one embodiment of the present invention, the server includes at least one or more customer information, account information, product information on freely withdrawal products available securities trading, beneficiary policy information included in the received securities affiliate account subscription information A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document files including MHT) to receive a financial transaction service including at least one or more securities transactions provided by securities companies, or credit card transactions provided by credit card companies, in addition to bank transactions provided by the predetermined banks. It is desirable to process securities partnership account electronic documents.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, After the watermarking method includes at least one of customer information, account information, commodity information for freely withdrawable products that can be traded in securities transactions, and beneficiary certificates information in the document contents, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing document content including watermarking, or an MHT. Web document files, etc.) provided by the securities company in addition to the bank transaction provided by the predetermined bank. That securities transactions or to process credit card transactions, such as provided by the credit card company affiliated with securities accounts, account for receiving electronic documents providing financial trading services that includes at least one is preferable.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Securities transactions provided by securities companies other than bank transactions provided by the predetermined banks, including image files capturing document contents (eg, image contents generated by capturing the document contents in memory), or It is preferable to process a securities affiliate account electronic document for receiving a financial transaction service including at least one credit card transaction provided by a credit card company.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Image content captured from document content (e.g., image content generated by capturing the document content in memory) to customer information, account information, and freely available withdrawal products that can be traded in the securities partnership account. Including at least one information of the product information, beneficiary certificates information by a watermarking method, the securities company other than the bank transaction provided by the predetermined bank to provide an image file containing the image content including the watermarking; Securities transactions offered or credit card transactions offered by credit card companies To process at least a securities account Affiliate account for receiving electronic documents providing financial trading services that includes one or more preferred.

According to another embodiment of the present invention, the server includes at least one or more customer information, account information, product information on freely withdrawal products available securities trading, beneficiary policy information included in the received securities affiliate account subscription information A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). Include at least one securities transaction provided by the securities company or credit card transaction provided by the credit card company. Be treated as securities accounts Partner accounts to receive electronic documents provide banking services is desirable that.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Freely withdrawal products that can capture customer information, account information, and securities transactions included in the securities affiliated account subscription information on image contents captured by document contents (eg, image contents generated by capturing the document contents in memory). Generating image content including at least one of product information and beneficiary information on a watermarking method, and including a document file including the watermarking (eg, PDF) ) Files, or EDI (Electronic Data Interchange) files, or at least one or more HWP / DOC, etc. A word processor file or a web document file including an MHT), and at least one or more of a bank transaction provided by the predetermined bank, a securities transaction provided by a securities company, or a credit card transaction provided by a credit card company. It is preferable to process a securities affiliate account account electronic document for receiving a financial transaction service.

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, account information, commodity information on freely available withdrawal products, and securities securities included in the received securities affiliate account subscription information. A predetermined document file including document content including a document content including the image content (eg, the image content generated by capturing the document content in a memory) and the securities affiliate account subscription 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). Securities transactions provided by securities companies or credit card companies It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one credit card transaction.

Or, the server generates document content including at least one or more customer information, account information, product information for freely withdrawal products available for securities trading, beneficiary certificates information included in the received securities affiliate account subscription application information, Image content captured from document content (e.g., image content generated by capturing the document content in memory) to customer information, account information, and freely available withdrawal products that can be traded in the securities partnership account. A document file including image information including at least one or more information on product information and beneficiary certificate information by a watermarking method, and the image file including the watermarking and the securities affiliate account subscription information; For example, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, By generating a word processor file containing at least one or more HWP / DOC, etc., or a web document file including the MHT), in addition to the banking transactions provided by the predetermined bank securities transactions provided by securities companies, or credit card companies It is preferable to process a securities partnership account electronic document for receiving a financial transaction service including at least one credit card transaction.

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

Thereafter, the server stores the generated security partnership account electronic document in a predetermined electronic document storage (4355c).

As shown in FIG. 38, the electronic document repository includes a predetermined electronic document server 3890 and an electronic document D / B 3865 linked with a server on the security account account opening system through predetermined communication means. In the case of being provided externally, the server preferably transmits the generated securities affiliated account electronic document to the electronic document server 3890 via the communication means and stores the electronic document server 3890 in the electronic document D / B 3865. Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the security account account opening system, the server sends the generated security account account electronic document on the DBMS provided in the security account account opening system. It is possible to store in the electronic document D / B 3865 corresponding to the electronic document storage, whereby the present invention is not limited.

According to the method of the present invention, the storing of the electronic document with the security deposit account account in the electronic document storage, as shown in FIG. It is preferable to include storing in the electronic document D / B (3865).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the securities affiliate account electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises bank information for transmitting the electronic document, the security partnership account.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the application for joining the securities affiliated account) and / or bank information for transmitting the electronic document of the securities affiliate account. , And / or electronic document file format information, and / or the securities affiliated account subscription information).

If the securities affiliate account electronic document is stored in the electronic document repository (4360c), the server includes the customer information included in the securities cooperation account subscription information, account information, product information for freely withdrawal products available for securities trading, The financial account information is generated based on the beneficiary information (4365c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the securities affiliate account opened based on the subscription information of the securities affiliate account, and the securities affiliate account includes a savings attribute. In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

Thereafter, the server is linked with the financial system 3020 based on the customer information, the account information, the product information on the freely withdrawal products that can be securities trading, the beneficiary policy information included in the securities affiliate account subscription information A financial account under the customer's name including account information is opened (4370c).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 3020 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to opening a predetermined financial account for receiving a financial transaction service including at least one of a securities transaction provided by a securities company or a credit card transaction provided by a credit card company in addition to the bank transaction provided by the predetermined bank. It is characterized by.

According to an embodiment of the present invention, when the server and the financial system 3020 exist in the same system, the server sends the financial account information to the ledger D / B 3875 in association with the financial system 3020. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 3020 exist on another system connected through a predetermined communication means, the server is located on the financial system 3020 through a predetermined communication means. It is preferable to request the general ledger D / B 3875 on the other financial system 3020 to generate a predetermined ledger including the financial account information through the external system.

Subsequently, the server generates securities affiliate account information including at least one of the customer information and account information included in the securities affiliate account subscription application information, product information for freely withdrawable products with securities trading, and beneficiary certificates information. In the storage medium 4000 (4375c).

According to an embodiment of the present invention, when the storage medium 4000 is provided in the server or on a network associated with the server, the server includes the customer included in the received securities partnership account subscription information. Preferably, the storage medium 4000 stores information, account information, commodity information on freely withdrawable products that can be traded in securities, and beneficiary securities information including at least one information.

According to another exemplary embodiment of the present invention, when the storage medium 4000 is provided in the DBMS provided on the financial system 3020, the server may include the customer information included in the received securities partnership account subscription information. Securities partnership account information including at least one or more of the account information, securities trading free and withdrawal products, profitable securities information on the financial system (3020) by providing the information system through the external system on the financial system (3020) It is preferable to store in the provided DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the history of opening the security account account, and / or storing the security account account electronic document in the electronic document repository, and / or the storage medium ( 4000) and (or extract) the details of storing the securities affiliate account subscription information and transmits the generated information to the terminal (4380c).

According to one embodiment of the invention, the storage medium 4000 is provided in the DBMS on the financial system 3020 provided on the securities affiliate account opening system (or associated with the securities cooperation account opening system). Preferably, the storage medium 4000 is a ledger D / B 3875 provided in a DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3875. The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 4000 is provided on (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the securities affiliate account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

44 is a diagram illustrating a security partnership account management system for identifying a target account for converting a beneficiary certificate sold by a predetermined fund manager (or a securities company) into a bank financial product according to an embodiment of the present invention.

In more detail, FIG. 44 illustrates the operation of the fund manager by operating a securities affiliate account established through the securities affiliate account opening system shown in FIGS. 31 or 38 based on the securities affiliate account information stored in the storage medium 3780. Or check the target account for converting the beneficiary securities sold by the securities company into bank financial products, and in response to the confirmed results, the system clears the beneficiary certificates according to the customer approval process and converts them into predetermined bank financial products. For those of ordinary skill in the art to which the present invention pertains, the present invention converts beneficiary certificates sold by the fund manager (or securities company) into bank financial products by referring to and / or modifying the drawing 44. It would be possible to infer various implementation methods for the securities affiliated account management system for the present invention, but the present invention provides a Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 44.

Referring to FIG. 44 in accordance with an embodiment of the present invention, the securities affiliated account operating system includes a ledger corresponding to a securities affiliated account opened through the securities affiliated account opening system shown in FIG. 31 or 38. 3020, a storage medium 3780 for storing securities affiliation account information including at least one of the customer information, account information, product information, and beneficiary information, and the securities affiliation in connection with the financial system 3020. A securities alliance for the purpose of operating an account, and periodically checking the securities affiliated account information stored in the storage medium 3780 to convert the beneficiary sold by the fund manager (or securities company) into a bank financial instrument. It is characterized by comprising an account management server 4400.

Here, the storage medium 3780 is provided in the ledger D / B on the financial system 3020, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or at least one or more It is possible to provide all on the banking system, whereby the present invention is not limited.

In addition, the securities affiliated account management server 4400 is a ledger server provided in the financial system 3020, or a financial institution server on the securities affiliated account opening system shown in FIG. 31 or 38, or the diagram 31 or Various banking servers (e.g., an Internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the security partnership account in connection with the financial system 3020 shown in FIG. It may be a separate server provided for identifying the target account for converting the beneficiary certificates sold by the fund manager (or securities company) into bank financial products, thereby the present invention is not limited.

In addition, in FIG. 44, a function configuration for operating the securities affiliate account in connection with the financial system 3020 in the securities cooperation account operation server 4400 and the securities cooperation account information stored in the storage medium 3780 is shown. Although periodically shown to include all the functional configuration for the confirmation of the target account for converting the beneficiary certificates sold by the fund manager (or securities company) into bank financial products, but the present invention is not limited thereby. It is clear that the securities affiliated account management server 4400 can be made through a separate server (or device) for each functional configuration.

The financial system 3020 is a general term for a computing system having a ledger corresponding to the securities affiliated account opened through the securities affiliated account opening system shown in FIG. 31 or 38, and is basically a branch of the financial institution. (And / or a branch) is connected to at least one or more teller terminal and a predetermined financial network (for example, the branch network), and the face-to-face of the at least one financial transaction customer through the teller terminal Provide financial transaction services.

Further, the financial system 3020 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 3020 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 3020 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 3020 is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 3020 is characterized in that associated with a predetermined telebanking server, and connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 3020 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV and / or refrigerator connected to a home network) Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system 3020 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 44, the financial system 3020 may be provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system, comprising: an accounting system for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or a window), an information system for processing a headquarters business, a store information support, and a customer information management; Interconnection between the financial system 3020 and at least one other financial system 3020 (and / or payment system), and / or at least one non-face-to-face financial transaction means (eg, Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And an external system that provides access to 3020 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 3020 is an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 3020, and predetermined information required for performing each function in the components of the financial system 3020. (Eg, ledger information, and / or customer information, and / or management information, etc.), characterized in that it comprises a DBMS (DataBase Management System) including at least one database for storing and managing.

In addition, the financial system 3020 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 3020 and the purpose of the financial system 3020. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 3020, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 3020, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristic of the financial system 3020. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The storage medium 3780 stores securities cooperation account information including at least one of the customer information, account information, product information, and beneficiary information through the securities cooperation account opening system shown in FIG. 31 or 38. As a generic term of storage means, the storage medium 3780 is provided in the ledger D / B on the financial system 3020 or in a predetermined database associated with the ledger D / B according to the intention of the skilled person. It is all possible to be provided on at least one banking system.

Here, the product information for the freely withdrawal products available for securities trading, the selection of a subscription product located in a predetermined portion of the subscription application, or a separate subscription application for each product, when a predetermined customer prepares a product subscription application to subscribe to a predetermined financial product It is preferable to mean product information by subscription product selection including at least one subscription product selection by a form.

In addition, the customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer makes a financial transaction with the bank). By registering as a customer, the member ID information or CIF (Customer) provided in the customer ledger provided on the financial system 3020 linked to the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Information file) or the like).

Referring to FIG. 44, at least one customer terminal 4325 may operate the securities cooperation account opened through the securities cooperation account opening system shown in FIG. 31 or 38. And an interface unit 4310 for connecting a communication channel for operating the securities affiliate account, and the predetermined financial account use information for operating the securities cooperation account from the customer terminal 4325 in association with the interface unit 4310. And a financial product operating unit 4300 for operating the securities affiliate account in connection with the financial system 3020 based on the received information receiving unit 4320 and the received financial account usage information. According to the intention of the person skilled in the art, the financial product management unit 4300 may be formed of at least two or more functional components (or means) in more detail. The present invention is not limited by the.

According to an embodiment of the present invention, when the customer terminal 4325 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 4310 may be configured based on the protocol stack defined in the communication network. Connecting at least one communication channel with an employee terminal and transmitting and receiving at least one information (or data) for operating the securities cooperation account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the customer terminal 4325 includes a wired terminal connected to a predetermined wired communication network, the interface unit 4310 is based on the protocol stack defined in the wired communication network. At least one or more information for connecting the terminal 4325 to a predetermined communication channel and operating the wired terminal and the securities affiliate account using a communication protocol defined in a financial transaction program included in the customer terminal 4325. It is desirable to provide a communication interface for transmitting and receiving data).

For example, when the customer terminal 4325 is equipped with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 4310 may be connected to the customer terminal 4325 based on the TCP / IP protocol. A predetermined web page (e.g., a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or HTML) for connecting the communication channel and operating the securities affiliate account using the HTTP protocol defined in the browser program. Communication interface for transmitting and receiving data).

Alternatively, when the customer terminal 4325 is provided with a predetermined financial transaction program directly interworking with the securities affiliate account management server 4400, the interface unit 4310 is based on the TCP / IP protocol. The communication interface 4325 connects a communication channel and transmits and receives information (or data) for operating the securities affiliate account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 4325 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 4310 is based on the protocol stack defined in the wireless communication network. Connects a predetermined communication channel with a customer terminal 4325 and uses at least one information (or data) for operating the securities affiliated account using a communication protocol defined in a financial transaction program included in the customer terminal 4325. It is desirable to provide a communication interface for transmitting and receiving.

For example, when the customer terminal 4325 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 4310 is based on the CDMA / WCDMA protocol. Connecting a communication channel with a customer terminal 4325 and using a WAP / ME protocol defined in the browser program, a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, Or an HTML compatible web page) and / or an information (or data) interface.

Alternatively, when the customer terminal 4325 is provided with a predetermined financial transaction program directly interworking with the securities affiliated account operating server 4400, the interface unit 4310 is based on the CDMA / WCDMA protocol. The communication interface 4325 connects a communication channel and transmits and receives information (or data) for operating the securities affiliate account using a communication protocol defined in the financial transaction program.

The information receiver 4320 receives predetermined financial account usage information for operating the securities affiliated account from the customer terminal 4325 in connection with the interface unit 4310, and uses the received financial account. Information is provided to the financial product management unit 4300.

The financial product operation unit 4300 may perform various financial transaction procedures for the securities affiliated account in connection with the financial system 3020 based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the securities affiliated account, the financial product The management unit 4300 may perform a deposit transaction procedure for the securities affiliated account in connection with the financial system 3020 based on the financial account usage information, and the deposit transaction details correspond to the securities affiliated account. It is preferable to record in the ledger.

According to another embodiment of the present invention, withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the securities cooperation account) is included in the financial account use information. If included, the financial product management unit 4300 preferably performs a withdrawal transaction (or transfer transaction) procedure for the securities affiliated account in connection with the financial system 3020 based on the financial account usage information. Preferably, the withdrawal transaction details are recorded in the ledger corresponding to the security partnership account.

In addition, the financial product management unit 4300 periodically checks the amount deposited in the securities affiliated account, and interest (or proceeds) on the deposit amount according to the interest rate (or yield) corresponding to the securities affiliated account. It is preferable to calculate the, deposit the calculated interest (or proceeds) to the security account, and record the deposit of interest (or proceeds) in the ledger corresponding to the security account.

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

Referring to FIG. 44, the securities partnership account operation server 4400 may be configured to identify a target account for converting a beneficiary certificate sold by the fund manager (or a securities company) into a bank financial instrument. While operating the security partnership account in connection with the financial system 3020, in connection with the storage medium (3780) at least a penalty according to the actual revenue and penalty whether the beneficiary security included in the security partnership account information Whether to verify the profitability of one or more beneficiary certificates, or to verify the expiration date of the beneficiary certificates, and whether the actual revenue and penalty of the confirmed beneficiary certificates in connection with the financial system (3020) Based on the beneficiary profitability for the securities affiliate account based on the profitability of the beneficiary including at least one penalty A financial product verification unit (or financial product verification means) 4405 for confirming a merchandise profitability including at least one interest income or an expected profit in the product information on the securities trading free deposit and withdrawal product for the securities affiliated account; When the period of beneficiary certificates expires, the settlement of the expired beneficiary certificates is settled in connection with the fund manager (or securities company) system 3010, and the settled settlement money is settled through the securities partnership account. And a reinvestment processing unit 4323 for reinvesting in a product, wherein the financial product operation unit 4300 is provided for free securities trading with respect to the securities affiliate account based on the profitability of the beneficiary certificate. Based on product profitability, which includes at least one interest income or an estimated profit in product information. If the product profitability is greater, the beneficiary certificate is terminated in connection with a predetermined fund manager (or securities company) system 3010 according to the process of FIG. 46 to be shown below, and the settlement amount corresponding to the canceled beneficiary certificate is settled. It is characterized in that it is operated to invest in the commodity for a freely withdrawable product that can be traded.

The information verification unit 4315 is connected to the financial system 3020 by the financial product management unit 4300 to identify a target account for converting a beneficiary certificate sold by the fund manager (or a securities company) into a bank financial product. While operating the security tie-up account, in connection with the storage medium (3780) to check the profitability of the beneficiary certificates that include at least one or more of the actual revenue of the beneficiary certificates included in the security tie-up account information and the penalty fee It is desirable to.

The financial product verification unit 4405 is connected to the financial system 3020 to the securities affiliate account based on the profitability of the beneficiary certificates including at least one of the actual profits of the identified beneficiary certificates and penalty fees according to whether or not there is a penalty fee. On the basis of the profitability of the beneficiary certificates, it is preferable to check the product profitability including at least one interest income or an expected profit in the product information on the securities trading free deposit and withdrawal product for the securities affiliate account.

The financial product management unit 4300 may be based on a product profitability including at least one interest income or an expected return in the product information on the freely withdrawable product that is available for securities trading for the securities affiliate account based on the profitability of the beneficiary certificates. If the product profitability is greater, the beneficiary certificate is terminated in connection with a predetermined fund manager (or securities company) system 3010 according to the process of FIG. 46 to be shown below, and the settlement amount corresponding to the canceled beneficiary certificate is recalled. It is managed to invest in commodities for freely withdrawal products capable of securities transactions, or the beneficiary certificates are settled by a predetermined beneficiary certificate settlement process on the expiration date of the beneficiary certificates, and the settlement process result is generated in response to the settlement process result. It is desirable to manage the settlement to reinvest in certain banking instruments.

When the period of the beneficiary certificate expires, the reinvestment processor 4323 setstles the settlement for the expired beneficiary certificate in connection with the fund manager (or securities company) system 3010 and sets the settlement settlement amount of the securities. It is desirable to reinvest in certain banking instruments through an affiliate account.

In addition, the reinvestment processing unit 4323 checks the customer's consent in advance in the process of joining the securities system account for the reinvestment process and automatically reinvests the processing, or if the beneficiary certificate expires, In connection with the customer information of the account in which the beneficiary certificate is deposited, the customer may be notified to the customer by means such as SMS or ARS, and the reinvestment agreement may be provided by a predetermined means for reinvestment processing.

45 is a diagram illustrating an operation flow of a security partnership account management system for converting beneficiary certificates sold by a given fund manager (or securities company) into bank financial products.

In more detail, FIG. 44 illustrates the operation of the fund manager by operating a securities affiliate account established through the securities affiliate account opening system shown in FIGS. 31 or 38 based on the securities affiliate account information stored in the storage medium 3780. Or an operating flow of a system for identifying a target account for converting a beneficiary certificate sold by a securities company into a bank financial product, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to this drawing 44. And / or modify and infer various implementation methods, such as modifying an operation sequence of an operation flow of a securities affiliate account management system for converting beneficiary certificates sold by the predetermined fund manager (or securities company) into bank financial products. As will be appreciated, the present invention includes all implementation methods inferred from the above, and only the implementation method illustrated in FIG. The technical feature is not limited.

Hereinafter, in FIG. 45, the securities affiliated account operating server 4400 shown in FIG. 44 is referred to as a "server" for convenience.

Referring to FIG. 45 in accordance with an embodiment of the present invention, the server is linked to the securities affiliated account opening system shown in FIG. 31 or FIG. 38 and stored in the financial system 3020. Information and beneficiary certificate information is received from the financial system 3020 (4500).

The server checks the profitability of the beneficiary certificate according to the customer information and the beneficiary certificate information received from the financial system 3020 (4505).

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) By registering as a customer, the member ID information or CIF (Customer) provided in the customer ledger provided on the financial system 3020 linked to the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Information file) or the like).

In addition, the profitability of the beneficiary certificates may include a penalty generated when the beneficiary certificates are sold, in addition to the actual profits generated on the beneficiary certificates.

The server receives product information associated with the customer information from the financial system 3020 and verifies product profitability corresponding to the product information received from the financial system 3020 (4510).

The product information may include at least one of a Certificate of Deposit (CD), Repurchase Agreements (RP), or Money Market Funds (MMF).

In addition, the product profitability is preferably made of at least one or more interest income or expected revenue that can be provided when the customer subscribes to a predetermined financial product.

If the server compares the identified profitable profitability and the product profitability (4515), and if the product profitability is higher than the profitable profitability (4520) in response to the comparison result, the server compares the product profitability than the profitable profitability The result is notified to the customer of the agreement information on whether to convert the beneficiary certificate into a banking instrument (4525).

Thereafter, the server receives an agreement for converting the beneficiary certificate into a banking instrument from a predetermined customer (4530), and the server terminates the beneficiary certificate in association with the fund manager (or securities company) system 3010. In addition, the beneficiary certificate is provided from the fund manager system (or securities company) (4535).

Here, the process of canceling the beneficiary certificates is shown in FIG. 45 to be shown below, and the beneficiary certificates may be canceled by other processes according to the intention and purpose of those skilled in the art other than the FIG. 45 to be shown below. This includes, but is not limited to, the termination of all proceeds, including all methods of depositing into a bank account through the termination of all beneficiary certificates.

Thereafter, the server invests the beneficiary certificate settlement payment in a banking instrument (4540), and the server notifies the customer that the beneficiary certificate has been converted to the banking instrument (4545).

46 is a flowchart illustrating a process for transferring a beneficiary certificate sold by a given fund manager (or securities company) to an FNA according to an embodiment of the present invention.

More specifically, FIG. 46 illustrates a method for converting a predetermined beneficiary certificate, identified in the FNA operating system shown in FIG. 44, into a predetermined financial instrument in the FNA opened through the FNA establishment system shown in FIG. 31 or 38. A process for transferring a beneficiary target to be converted from a given fund manager (or a securities company) to an FNA of a given bank, and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 46 and In the FNA opened through the FNA establishment system, the target beneficiary certificate for converting the predetermined beneficiary certificate identified in the FNA management system into a predetermined financial product is set up by the predetermined fund manager (or securities company) in the predetermined bank FNA. It will be possible to infer various implementation methods for the process for transferring to the present invention, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

Referring to FIG. 46 according to an embodiment of the present invention, while the FNA operation server 4330 illustrated in FIG. 44 operates the FNA in association with the financial system 3020, the financial product operation unit 4300. And profitability of the beneficiary certificate including at least one or more penalty according to whether or not the actual profit of the beneficiary security included in the FNA information and a penalty fee is generated in association with the storage medium 3780, and the Certificate of Deposit (CD). Or converting a beneficiary certificate to a banking instrument by comparing product profitability, which includes at least one interest income or an expected return, in product information that includes at least one Repurchase Agreement (RP) or Money Market Funds (MMF). After confirming the target, and the target to convert the beneficiary certificates to the bank financial products, the FNA operation server 4330 is shown in Figure 48 or And after the customer approval process by the client approval registration system shown in side 53 transmits the selling request information in a predetermined depository system 3015 (4600).

Here, the selling request information includes at least one beneficiary number of the beneficiary target to be converted, fund manager (or securities company) in which the beneficiary certificate is deposited, and account information for transferring the beneficiary certificate to the FNA. It is preferable.

In addition, the fund manager (or securities company) information of the fund manager (or securities company) fund manager information (or securities company information) (for example, fund manager (or securities company) company name, company registration number, business address, representative phone number, Representative mobile phone number, representative email address, etc., and the company information of the fund manager (or securities company) (e.g., the fund manager (or securities company) by joining the financial transaction company through the depository); And at least one member ID information or a separate management number, etc. provided on the depository system 3015.

Thereafter, the depository system 3015 sends the selling request information received to the depository system 3015 to the fund manager (or securities company) system 3010 in connection with the selling request information provided from the FNA operation server 4330. Provided to the fund manager (or securities company) system 3010 (4605).

If the fund manager (or securities company) system 3010 confirms whether the beneficiary certificates can be transferred by checking the selling request information provided from the depository system 3015, and responds to the result of confirming whether the beneficiary certificates can be transferred. Providing information on the sale of the beneficiary certificate (4610) to the depository system (3015) (4610).

Here, the beneficiary certificate selling approval 4610 information may include at least one of the beneficiary certificate number and selling approval 4610 information.

Thereafter, the KSD system 3015 checks whether the seller is authorized to sell from the received beneficiary certificate for sale approval 4610 and, in connection with the beneficiary certificate number, the seller request information provided by the financial company in accordance with the approval result. The beneficiary certificate is transferred to the account including the account information for transferring to the included FNA (4615).

47 is a view showing a flow of a process for canceling and settlement of beneficiary certificates sold by a given fund manager (or securities company) deposited in an FNA account according to an embodiment of the present invention.

More specifically, FIG. 47 shows a predetermined beneficiary certificate identified by the FNA operating system shown in FIG. 44 on the FNA opened through the FNA establishment system shown in FIG. 31 or 38 by the process shown in FIG. The process for transferring the beneficiary certificates deposited to the fund manager (or securities company) to the FNA, and the settlement of the beneficiary certificates deposited to the FNA, the person having ordinary knowledge in the technical field to which the present invention belongs By referring to FIG. 47 and modifying the predetermined beneficiary certificate identified in the FNA management system to the FNA opened through the FNA establishment system, the beneficiary certificate deposited to the fund manager (or securities company) by the process shown in the FNA It will be possible to infer various implementation methods for the process for the transfer to the settlement of the beneficiary certificates deposited in the FNA, but the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 47 according to an embodiment of the present invention, while the FNA operation server 4330 illustrated in FIG. 44 operates the FNA in association with the financial system 3020, the financial product operation unit 4300. And profitability of the beneficiary certificate including at least one or more penalty according to whether or not the actual profit of the beneficiary security included in the FNA information and a penalty fee is generated in association with the storage medium 3780, and the Certificate of Deposit (CD). Or converting a beneficiary certificate to a banking instrument by comparing product profitability, which includes at least one interest income or an expected return, in product information that includes at least one Repurchase Agreement (RP) or Money Market Funds (MMF). Check the target and the target to convert the beneficiary certificates to the bank financial products, the FNA management server (4330) when a predetermined depository In connection with the system 3015, the beneficiary certificate deposited in the fund manager (or securities company) account is transferred to the FNA by the process shown in FIG. 17, or the request for the release of the beneficiary certificate previously deposited in the FNA ( Information is sent to the depository system 3015 (4700).

Here, the termination request (4700) information is at least one of the beneficiary number of the beneficiary to be converted, the fund manager (or securities) information that the beneficiary certificate is deposited, and the account information for transferring the beneficiary certificate to the FNA It is preferable to comprise.

In addition, the fund manager (or securities company) information of the fund manager (or securities company) fund manager information (or securities company information) (for example, fund manager (or securities company) company name, company registration number, business address, representative phone number, Representative mobile phone number, representative email address, etc., and the company information of the fund manager (or securities company) (e.g., the fund manager (or securities company) by joining the financial transaction company through the depository); And at least one member ID information or a separate management number, etc. provided on the depository system 3015.

Thereafter, the depositor system 3015 is terminated by the fund manager (or securities company) system 3010 received by the depository system 3015 in association with the release request 4700 information provided from the FNA management server 4330. The request 4700 is provided to the fund management company (or securities company) system 3010 (4705).

If the fund manager (or securities company) system 3010 checks the cancellation request (4700) information provided from the depository system (3015) to confirm whether the beneficiary certificates can be canceled, and whether the beneficiary certificates can be transferred In response to the result, the beneficiary certificate termination approval 4710 is provided to the depository system 3015 (4710).

Here, the beneficiary certificate termination approval 4710 may include at least one of the beneficiary certificate number and the termination approval information 4710.

Thereafter, the KSD system 3015 confirms whether the cancellation approval 4710 is received from the received beneficiary certificate cancellation approval 4710 information, and in response to the approval result, the cancellation approval 4710 on the result of the cancellation confirmation 4715. Information is provided to the FNA operation server 4330 (4715).

Thereafter, the FNA operation server 4330 checks the termination result by the cancellation approval 4710 information provided from the depository system 3015, and connects the beneficiary certificate with the fund manager (or securities company) system 3010. The settlement amount is settled in the FNA by the settlement (4720).

Here, the beneficiary certificate settlement 4720 may include at least one deposit for the beneficiary certificate, actual revenue generated from the beneficiary certificate, and at least one penalty amount resulting from the termination of the beneficiary certificate.

48 is a diagram illustrating a system for registering customer approval information in a face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to an embodiment of the present invention.

In more detail, Figure 48 shows a predetermined customer's approval information registration system through a predetermined information registration interface to the securities partnership account opened through the securities affiliate account opening system shown in Figure 31 or Figure 38 as shown in Figure 44. In order to transfer the target beneficiary certificate for converting the specified beneficiary certificate from the fund management company (or securities company) from the fund manager (or securities company) to the securities affiliate account of the bank, the customer information, When providing the previous approval information including at least one approval information, the customer approval information registration system to process the customer information, the approval information included in the provided transfer approval information in a predetermined storage medium (4830) As for the system configuration, those skilled in the art to which the present invention pertains, With reference to page 48 and / or modified, a convertible beneficiary certificate for converting a predetermined beneficiary certificate identified in the securities affiliate account operating system into a predetermined financial instrument in a securities cooperation account opened through the securities cooperation account opening system. It may be possible to infer various implementation methods for the configuration of the customer approval information registration system for transferring from the fund manager (or securities company) to the securities affiliate account of a given bank, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing transfer approval information provided from the customer in the storage medium 4830 on the customer approval information registration system shown in FIG. 48 through a predetermined information registration interface. The corresponding component is referred to as " information registration server 4800 " for convenience.

Referring to FIG. 48 in accordance with an embodiment of the present invention, a predetermined beneficiary certificate identified by the securities cooperation account operating system in a securities cooperation account opened through the securities cooperation account opening system is converted into a predetermined financial product. The customer approval information registration system for transferring a target beneficiary certificate from a predetermined fund manager (or a securities company) to a securities affiliate account of a predetermined bank includes an information registration terminal including a teller terminal provided in at least one financial institution branch ( 4835, and the information registration terminal 4835 is connected to a communication channel with an information registration server 4800 provided on the customer approval information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer converts a predetermined beneficiary certificate confirmed by the securities cooperation account operating system into a securities cooperation account opened through the securities cooperation account opening system to a predetermined financial product. Visit the financial institution branch for transfer of the target beneficiary certificate from a predetermined fund manager (or securities company) to a securities affiliate account of a given bank, and through the window provided at the financial institution branch (or through a teller). A fund manager (or a securities company) converts a beneficiary certificate to be converted into a predetermined financial instrument in a securities partnership account opened through a securities partnership account opening system. Application for a transfer to a bank's securities partnership account (e.g. The convertible beneficiary certificates for converting the prescribed beneficiary certificates identified in the securities affiliate account management system into predetermined financial instruments from the established fund manager (or securities company) to the securities affiliate account of a given bank. A document having a form for filling in at least one item of information for transfer) and submitting the completed application to a teller, the teller enters the information entered in the request through a designated teller terminal. (Or select), and the window terminal transmits the input (or selected) information to the information registration server 4800 provided on the customer approval information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 4800 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the teller terminal and the information registration server 4800 preferably comprises a branch network connecting the communication channel between the teller terminal and the information registration server 4800. Do.

In the customer approval information registration system as described above, an application written by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal with the information registration server 4800 are provided by the customer. In the securities affiliated account opened through the affiliated account opening system, the designated beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities affiliated account management system into predetermined financial instruments are designated by predetermined fund managers (or securities companies). Performs the function of the information registration interface for registering transfer approval information for transfer to the securities affiliate account of the company.

The storage medium 4830 provided on the customer approval information registration system according to the present invention stores the predetermined information by linking the customer information and the approval information included in the previous approval information provided from the information registration terminal 4835. And transfer approval information including at least one of the customer information and the approval information stored in the storage medium 4830 to the securities partnership account opened through the securities cooperation account opening system. It is used to transfer a target beneficiary certificate for converting a predetermined beneficiary certificate identified in the securities affiliate account management system into a predetermined financial product from a predetermined fund manager (or securities company) to a securities affiliate account of a predetermined bank.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) By registering as a customer, member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Number or the like), and the like.

In addition, the approval information is a fund manager to convert the target beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities cooperation account operating system into a predetermined financial product in the securities cooperation account opened through the securities cooperation account opening system. (Or a securities company) preferably means approval of the customer associated with the customer information for transfer to a securities affiliate account of a given bank.

According to one embodiment of the invention, the storage medium 4830 is preferably provided in a DBMS on a financial system provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 4830 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 4830 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 4800 provided on the customer approval information registration system according to the present invention is a general term for the customer approval information registration system side component connected to the information registration terminal 4835 and 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 4835 is a window terminal connected to a predetermined financial network, the information registration server 4800 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the information registration server 4800 is provided with an interface unit 4805 for connecting and managing a predetermined communication channel with the information registration terminal 4835 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 4835 is a window terminal connected to a predetermined financial network, the interface unit 4805 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. 48, the information registration server 4800 connects a communication channel with the information registration server 4800 through the interface unit 4805 through a predetermined information registration terminal 4835 and then the interface unit ( 4805, an interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined transfer approval information from the information registration terminal 4835 and providing it to the information registration terminal 4835. An information receiving unit 4815 that receives predetermined previous approval information that is input (or selected) and transmitted from the information registration terminal 4835 through the user interface in association with the providing unit 4810 and the interface unit 4805. And a validity checking unit 4820 that checks the validity of the received previous approval information, and the customer information and approval information included in the validity confirmation previous approval information. And an information storage unit (4825) for storing the definition storage medium (4830) is characterized in that formed.

The interface providing unit 4810 is provided in the information registration terminal 4835 after a predetermined information registration terminal 4835 connects a communication channel with the information registration server 4800 through the interface unit 4805. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the previous approval information and transmitting it to the information registration server 4800 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 4805 to the information registration terminal 4835 through the financial network.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the previous approval information to the information registration terminal (4835) to transmit to the information registration server 4800 through the financial network. When a predetermined information registration program is provided, the interface providing unit 4810 for providing the user interface to the information registration terminal 4835 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 4835 inputs (or selects) previous approval information including at least one of the customer information and approval information, based on the user interface, and inputs the input (or selected) previous approval information. The information registration server 4800 is transmitted through the financial network.

According to an embodiment of the present invention, when the information registration terminal 4835 is a window terminal connected to a predetermined financial network, the interface providing unit 4810 may be provided by 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 counter terminal through the interface unit 4805.

When the information receiving unit 4815 inputs (or selects) previous approval information including at least one of customer information and approval information through the user interface, the information registration unit 4815 transmits the information through the financial network. The previous approval information may be received in association with an interface unit 4805, and the received previous approval information is provided to the validity confirming unit 4820.

The validity checker 4820 may determine a predetermined beneficiary certificate, which is obtained by the securities affiliated account management system, into a securities affiliated account in which previous approval information received from the information registration terminal 4835 is established through the securities affiliated account opening system. It is characterized by checking whether the target beneficiary certificate to be converted into a financial product of the bank is satisfied with the validity for transfer from a predetermined fund manager (or securities company) to a securities affiliate account of a predetermined bank.

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

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

When the validity of the previous approval information is confirmed, the information storage unit 4825 stores the stored information in the storage medium 4830 by linking the customer information and the approval information included in the previous approval information. When a storage medium 4830 is provided in the information registration server 4800 or on a network associated with the information registration server 4800, the information storage unit 4825 is included in the received previous approval information. It is preferable to store the stored customer information, the approval information in association with the storage medium (4830), when the storage medium 4830 is provided in the DBMS provided on the financial system, the information storage unit 4825 The customer information and approval information included in the received previous approval information is preferably provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

49 shows transfer approval information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to an embodiment of the present invention. It is a figure which shows a structure.

More specifically, FIG. 49 shows the customer information and approval information in the ledger information provided in the ledger D / B when the storage medium 4830 shown in FIG. 48 is the ledger D / B provided in the DBMS on the financial system. Figure 1 shows an information structure for an embodiment of a method of storing previous approval information, including the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 49 and the ledger D / Various information construction methods for storing the previous approval information in B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 49 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 / In addition to the customer ledger and the account ledger shown in FIG. 49, at least one further ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers are shown in B. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is 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 detailed description thereof will be omitted.

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. 49, the transfer approval information provided through the customer approval information registration system shown in FIG. 48 is stored in the form of additional information added to the account ledger. The transfer approval information is customer information and approval. Characterized in that it comprises at least one or more information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) By registering as a customer, member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Number or the like), and the like.

In addition, the approval information is a fund manager to convert the target beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities cooperation account operating system into a predetermined financial product in the securities cooperation account opened through the securities cooperation account opening system. (Or a securities company) preferably means approval of the customer associated with the customer information for transfer to a securities affiliate account of a given bank.

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

50 is a ledger D / B provided in the DBMS on the financial system 3020 in a face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. 3175) is a diagram showing the configuration of the previous approval information stored in the database associated with.

More specifically, FIG. 50 illustrates an embodiment in which the storage medium 4830 illustrated in FIG. 48 is stored in a predetermined database linked to the ledger D / B 3175 included in the DBMS on the financial system 3020. As shown in FIG. 1, if the person skilled in the art of the present invention belongs to the present invention, the previous approval information is transferred to a predetermined database by referring to and / or modifying the drawing 50. It will be able to infer a variety of information configuration method for storing in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

Particularly, in the drawing 50, when it is not easy to store the transfer approval information in the ledger information of the ledger D / B 3175 on the DBMS provided on the financial system 3020 (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B 3175, or the system expansion is not easy due to the nature of the financial system 3020), and the transfer approval to a predetermined database instead of the ledger D / B 3175. A method of storing information and storing the information by linking the database and the ledger D / B 3175 is illustrated.

In addition, the database shown in FIG. 50 does not have to be provided on the DBMS provided on the financial system 3020 as in the embodiment shown in FIG. 50, and the database on the Internet banking system according to the intention of the 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. 50, the database may store and store the customer information and the approval information included in the previous approval information, and the previous approval information may be processed in association with the ledger D / B 3175. Preferably, the previous approval information further includes a CIF number corresponding to the ledger information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer's finance of the bank) By registering as a trading customer, the member ID information, or CIF (e.g., provided in the customer ledger provided on the financial system 3020 associated with the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer) Customer Information File) number, etc.) is preferably included.

In addition, the approval information is a fund manager to convert the target beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities cooperation account operating system into a predetermined financial product in the securities cooperation account opened through the securities cooperation account opening system. (Or a securities company) preferably means approval of the customer associated with the customer information for transfer to a securities affiliate account of a given bank.

51 illustrates transfer approval information stored in a DBMS provided in the banking server 5100 in a face-to-face manner for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention. It is a figure which shows a structure.

In more detail, Fig. 51 illustrates a predetermined banking system in which the storage medium 4830 shown in Fig. 48 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 5100, and those skilled in the art to which the present invention pertains, at least one or more banking server by referring to and / or modifying the Figure 51 It is possible to infer a method of constructing information on previous approval information stored in a predetermined DBMS provided at 5100, but the present invention includes all the implementation methods inferred above, and only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 51, a predetermined DBMS included in the banking server 5100 may store and store customer information and approval information included in the previous approval information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) By registering as a customer, the member ID information or CIF (Customer) provided in the customer ledger provided on the financial system 3020 linked to the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Information file) or the like).

In addition, the approval information is a fund manager to convert the target beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities cooperation account operating system into a predetermined financial product in the securities cooperation account opened through the securities cooperation account opening system. (Or the securities company) preferably means approval of the customer linked to the customer information for transfer to the securities affiliate account of a given bank.

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

In more detail, in FIG. 52, the information registration server 4800 on the customer approval information registration system shown in FIG. 48 functions as a ledger server (not shown) on the financial system 3020 associated with a teller terminal through a predetermined financial network. In the case of having a, the window terminal is connected to the information registration server 4800 and connected to the communication channel for customer approval registration according to the present invention, and then through the communication channel to the information registration server 4800 When the transfer approval information including the customer information and the approval information is transmitted, the predetermined information storage medium 4830 is processed by linking the customer information and the approval information included in the received transfer approval information at the information registration server 4800. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 52 to register the information in the counter terminal. Various implementation methods for registering the transfer approval information with the server 4800 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.

Hereinafter, in Fig. 52, the window terminal shown in Fig. 48 is referred to as " terminal " for convenience, and the information registration server 4800 shown in Fig. 48 is referred to as " server " for convenience, and the information is registered in the window terminal. The customer information and the approval information transmitted to the server 4800 are referred to as "previous approval information" for convenience.

Referring to FIG. 52, a window terminal shown in FIG. 48 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the transfer approval information, and establishes the system for opening a security account. The beneficiary certificate to be converted from the fund manager (or securities company) to the securities affiliate account of the bank specified in the securities partnership account opened through When requesting the transfer approval information registration for transfer (5200), the server generates (or extracts) a predetermined information registration interface for registering the transfer approval information (5205), and generates the generation through the communication channel ( Alternatively, the extracted information registration interface is transmitted to the terminal and output (5210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) previous approval information including at least one of the customer information and the approval information in the terminal.

Thereafter, the terminal inputs (or selects) previous approval information including at least one or more customer information and approval information through the information registration interface (5215).

If the terminal receives (or selects) previous approval information including the customer information and approval information through the information registration interface (5220), the terminal receives the input (or selected) customer information through the financial network. In operation 5225, previous approval information including the approval information is transmitted to the server.

Thereafter, the server receives and reads the customer information and the approval information through the financial network to check the validity of the previous approval information (5230).

According to an exemplary embodiment of the present invention, the validity confirmation of the transfer approval information may include at least one matched with the transfer approval information in the ledger D / B 3175 on the financial system 3020 associated with the customer approval information registration system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the previous approval information is matched with the customer ledger stored in the ledger D / B 3175 on the financial system 3020 associated with the customer approval information registration system. It is preferable to include checking whether or not.

If the validity of the previous approval information is not authenticated (5235), the server generates predetermined information registration error information and transmits it to the terminal (5240), and does not perform the information registration procedure corresponding to the previous approval information. Do not.

On the other hand, when the validity of the previous approval information is authenticated (5235), the server performs an information registration procedure corresponding to the previous approval information, thereby linking the customer information and the approval information to a predetermined storage medium (4830). Store (5245).

According to one embodiment of the invention, the storage medium 4830 is preferably provided in the DBMS on the financial system 3020 provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 4830 may be a ledger D / B 3175 provided in the DBMS on the financial system 3020, and / or a predetermined database associated with the ledger D / B 3175. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 4830 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 (5250), thereby completing the procedure of registering the previous approval information transmitted from the terminal.

53 is a diagram illustrating a non-face-to-face customer approval information registration system for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank according to another embodiment of the present invention.

In more detail, in Fig. 53, a predetermined customer registers a customer approval information registration system through a predetermined information registration interface, and the securities partnership account opened through the securities affiliate account opening system shown in Fig. 31 or 38 is shown in Fig. 44. In order to transfer the target beneficiary certificate for converting the specified beneficiary certificate from the fund management company (or securities company) from the fund manager (or securities company) to the securities affiliate account of the bank, the customer information, If the previous approval information including at least one approval information is provided, the customer approval information registration system may process the customer information and the approval information included in the provided previous approval information in association with each other and store it in a predetermined storage medium 5330. As for the system configuration, those skilled in the art to which the present invention pertains, A convertible beneficiary certificate for converting a predetermined beneficiary certificate identified in the securities affiliate account operating system into a predetermined financial instrument is set in a securities affiliate account opened through the securities affiliate account opening system by referring to page 53 and / or modified. It may be possible to infer various implementation methods for the configuration of the customer approval information registration system for transferring from the fund manager (or securities company) to the securities affiliate account of a given bank, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing transfer approval information provided from the customer in the storage medium 5330 on the customer approval information registration system shown in FIG. 53 through a predetermined information registration interface. The corresponding component is referred to as "information registration server 5300" for convenience.

Referring to FIG. 53 according to the embodiment of the present invention, a conversion for converting a predetermined beneficiary certificate identified in the securities cooperation account operating system into a securities cooperation account opened through the securities cooperation account opening system into a predetermined financial product The customer approval information registration system for transferring a target beneficiary certificate from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank may include a client terminal including at least one wired terminal and / or a wireless terminal used by the customer. And an information registration terminal 5335 including at least one of the information registration terminals 5335 and the information registration server 5300 provided on the customer approval information registration system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the customer accesses the information registration server 5300 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, Converts a predetermined beneficiary certificate identified by the securities cooperation account operating system into a predetermined financial product in a securities cooperation account opened through the securities cooperation account opening system through at least one user interface provided by the information registration server 5300. In order to transfer (or select) transfer approval information for transferring a target beneficiary certificate from a predetermined fund manager (or a securities company) to a securities affiliate account of a predetermined bank, the client terminal receives the transfer information. Sending to the information registration server 5300 provided on the approval information registration system It is preferred.

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.

Also, the information registration server 5300 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 5300 may be 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 section.

The client terminal may output at least one user interface provided by the information registration server 5300, input and / or select at least one information through the user interface, and transmit the same to the information registration server 5300. 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 5300, 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 customer approval 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 wireline connecting the client terminal and the information registration server 5300. The communication network and / or the wireless communication network may be a convertible beneficiary certificate for converting a predetermined beneficiary certificate, which is confirmed by the securities cooperation account operating system, into a securities partnership account opened by the customer through the securities cooperation account opening system. It performs the function of the information registration interface for registering the transfer approval information for transfer from the predetermined fund manager (or securities company) to the securities affiliate account of the predetermined bank.

According to another exemplary embodiment of the present invention, the information registration terminal 5335 is, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network). 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 customer approval information registration system as described above, when the information registration terminal 5335 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 5300 is a switch for converting a predetermined beneficiary certificate confirmed by the securities cooperation account operating system into a securities cooperation account opened by the customer through the securities cooperation account opening system into a predetermined financial product. Perform a function of an information registration interface for registering transfer approval information for transferring a target beneficiary certificate from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank, and / or the information registration terminal 5535 When the call terminal (not shown) connects the call terminal (not shown), the call terminal (not shown), and the information registration server 5300. Wired telephone network and / or wireless telephone network are convertible beneficiary certificates for converting predetermined beneficiary certificates identified in the securities affiliate account operating system into securities affiliate accounts established by the customer through the securities affiliate account opening system into predetermined financial instruments. And a function of an information registration interface for registering transfer approval information for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a given bank, and / or the financial information that is the information registration terminal 5335. In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information The network connecting the registration server (5300) is the customer confirmed in the securities partnership account opened through the securities cooperation account establishment system in the securities cooperation account operating system Function of the information registration interface for registering transfer approval information for transferring a target beneficiary certificate for converting a predetermined beneficiary certificate to a predetermined financial instrument from a predetermined fund manager (or a securities company) to a securities affiliate account of a predetermined bank. Perform

The storage medium 5330 provided on the customer approval information registration system according to the present invention stores the predetermined information by linking the customer information and the approval information included in the previous approval information provided from the information registration terminal 5335. And transfer approval information including at least one of the customer information and the approval information stored in the storage medium 5330 to the securities partnership account opened through the securities cooperation account opening system. The target beneficiary certificate for converting a predetermined beneficiary certificate identified in the securities affiliate account management system into a predetermined financial product is used for transferring from a predetermined fund manager (or a securities company) to a securities affiliate account of a predetermined bank.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is a financial transaction of the bank) By registering as a customer, member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the securities affiliated account opening system shown in FIG. 31 or 38 corresponding to the customer. Number or the like), and the like.

In addition, the approval information is a fund manager to convert the target beneficiary certificates for converting the predetermined beneficiary certificates identified in the securities cooperation account operating system into a predetermined financial product in the securities cooperation account opened through the securities cooperation account opening system. (Or a securities company) preferably means approval of the customer associated with the customer information for transfer to a securities affiliate account of a given bank.

According to an exemplary embodiment of the present invention, the storage medium 5330 may be provided in a DBMS on a financial system provided on the customer approval information registration system (or associated with the customer approval information registration system). In this case, the storage medium 5330 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 5330 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer approval 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 5300 provided on the customer approval information registration system according to the present invention is a general term for the customer approval information registration system side component connected to the information registration terminal 5335 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 5335 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 5300. 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 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 5335 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 5300 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 5335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 5300 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 world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 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 5300 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 included in the server (or device), and / or a server (or externally provided on the external 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 5300 comprises an interface unit 5305 for connecting and managing a predetermined communication channel with the information registration terminal 5335 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 5305 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 5305 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 5300, the interface unit 5305 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 5335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 5305 may implement 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 a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 5305 may communicate 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 5300, the interface unit 5305 may communicate 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 5335 is a financial automation device connected to a predetermined financial network, the interface unit 5305 may be configured 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 5335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 5305 may connect the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 5305 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 providing 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 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 5305 may define 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. 53, the information registration server 5300 connects a communication channel with the information registration server 5300 through the interface unit 5305 through the interface unit 5305, and then connects the interface unit ( 5305, an interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined transfer approval information from the information registration terminal 5335 to the information registration terminal 5535. The information receiving unit 5315 receives the predetermined previous approval information that is input (or selected) and transmitted from the information registration terminal 5335 through the user interface in association with the providing unit 5310 and the interface unit 5305. And an information storage unit 5325 for linking the customer information and the approval information included in the received previous approval information to store in a predetermined storage medium 5330. The.

The interface providing unit 5310 is provided in the information registration terminal 5535 after a predetermined information registration terminal 5335 connects a communication channel with the information registration server 5300 through the interface unit 5305. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the previous approval information and transmitting the information to the information registration server 5300 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in association with the interface unit 5305 to the information registration terminal 5335 via the network means.

Thereafter, the information registration terminal 5335 inputs (or selects) previous approval information including at least one of the customer information and the approval information based on the user interface, and inputs the input (or selected) previous approval information. The information registration server 5300 is transmitted through the financial network.

When the information registration terminal 5335 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 exemplary embodiment of the present invention, the interface providing unit 5310 is provided. 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 5305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a financial automation device connected to a predetermined financial network, the interface providing unit 5310 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 to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 5310 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 5305.

According to another exemplary embodiment of the present invention, when the information registration terminal 5535 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 5310 may be configured as 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 5305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 5335 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 5310 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 interactive digital TV) through the interface unit 5305. .

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the previous approval information to the information registration terminal (5335) and transmits it to the information registration server (5300) through the network means. When a predetermined information registration program is provided, the interface providing unit 5310 which provides the user interface to the information registration terminal 5335 may be omitted, and the present invention is not limited thereto.

When the information receiving unit 5315 inputs (or selects) previous approval information including at least one of customer information and approval information through the user interface, the information registration terminal 5315 transmits the information through the network means. The previous approval information may be received in association with an interface unit 5305, and the received previous approval information is provided to the validity confirming unit 5320.

The validity verification unit 5320 may determine a predetermined beneficiary certificate obtained by the securities affiliated account operating system to a securities affiliated account in which the transfer approval information received from the information registration terminal 5335 is opened through the securities affiliated account opening system. It is characterized by checking whether the conversion target beneficiary securities for conversion to financial instruments of the predetermined fund manager (or securities company) satisfies the validity for transfer to the securities affiliate account of the predetermined bank.

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

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

When the validity of the previous approval information is confirmed, the information storage unit 5325 may store the stored information in the storage medium 5330 by linking the customer information and the approval information included in the previous approval information. When a storage medium 5330 is provided in the information registration server 5300 or on a network associated with the information registration server 5300, the information storage unit 5325 is included in the received previous approval information. It is preferable to store the stored customer information, approval information in association with the storage medium 5330, the storage medium 5330 is provided in the DBMS provided on the financial system, the information storage unit 5325 is Preferably, the customer information and approval information included in the received previous approval information are provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

54 is a transfer approval stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for transferring from a given fund manager (or securities company) to a securities affiliate account of a given bank in accordance with an embodiment of the present invention. It is a figure which shows an information structure.

In more detail, in FIG. 54, when the storage medium 5330 illustrated in FIG. 53 is a ledger D / B provided in a DBMS on a financial system, the customer information and approval is applied to the ledger information provided in the ledger D / B. An information structure of an exemplary embodiment in which the previous approval information including the information is stored is illustrated. If a person of ordinary skill in the art belongs to the present invention, the present invention D will be described with reference to FIG. 54 and / or modified. Various information construction methods for storing the previous approval information in / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 54 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 / In addition to the customer ledger and the account ledger shown in FIG. 54, B further includes at least one ledger (e.g., a loan ledger, a secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a 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 accou