KR20090001957A - System and method for providing foreign by country transfer detail and program recording medium - Google Patents

Abstract

The present invention relates to a method and system for providing a domestic transaction overseas and a program recording medium therefor. The method for providing an overseas transaction according to the present invention provides a method for opening a predetermined financial account to a predetermined customer. Opening a financial account corresponding to application information for opening a financial account including information on consent to notify foreign financial institutions of domestic transactions, information on foreign financial institutions to be notified, information on transaction history transmission cycles, and predetermined information storage means; And storing the opened financial account information, the customer information, and the application information for opening the financial account in a predetermined storage medium, and storing a predetermined transaction history for the financial account in a predetermined information checking means. Consent information for the foreign financial institution notification of the domestic transaction of the customer stored in the storage medium; Confirming the target foreign financial institution information and transaction history transmission cycle information, and corresponding to the identified foreign financial institution information and transaction history transmission cycle information identified in the predetermined text generating means, the SWIFT full text including the transaction history And generating the SWIFT telegram in the predetermined telegram transmission means to the foreign financial institution subject to the transaction history notification.

Description

System and Method for Providing Foreign by Country Transfer Detail and Program Recording Medium}

1 is a diagram illustrating a system for establishing a face-to-face financial account for notification of deposit transaction details through SWIFT according to one embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial account for notifying deposit transaction details through SWIFT in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face financial account opening system for notifying deposit transaction details through SWIFT according to another embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a non-face-to-face manner according to one embodiment of the present invention.

9A, 9B, and 9C illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT according to one embodiment of the present invention.

10 is a diagram illustrating a financial account operating system for notification of deposit transaction details through SWIFT according to an embodiment of the present invention.

11 is a diagram illustrating an operation flow of a financial account operating system for notification of deposit transaction details through SWIFT according to an embodiment of the present invention.

<Description of main parts of drawing>

1000: financial account management server 1005: financial account identification unit

1010: financial account management unit 1015: interface unit

1020: information confirmation unit 1025: information receiving unit

1030: professional generation unit 1035: professional transmission unit

1040: storage medium 1045: customer terminal

The present invention opens a financial account including a consent information for notification of a foreign financial institution of the domestic transaction of the domestic transaction of the customer, foreign financial institution information to be informed, transaction history transmission cycle information to a predetermined customer in a predetermined financial account opening means Opening a financial account corresponding to the application information, and storing the opened financial account information, the customer information, and the financial account opening application information in a predetermined information storage means in a predetermined storage medium; When a predetermined transaction history of the financial account is confirmed by a predetermined information confirming means, agreement information on notification of a foreign financial institution of the domestic transaction of the customer stored in the storage medium, information on a foreign financial institution to be notified, and transaction history are transmitted. Confirming the cycle information, and the information on the foreign financial institution to be notified identified in the predetermined text generating means; In response to the history transmission cycle information, the domestic comprising the step of generating a SWIFT full text including the transaction history and transmitting the generated SWIFT full text by a predetermined message transmission means to the foreign financial institution subject to the transaction history notification It relates to a method of providing overseas transactions.

Due to the rapid development of modern society, various multinational corporations are promoting various economic activities with headquarters in foreign countries and branches in Korea.

However, if the head office is located in a foreign country and there is a branch office in Korea, there is a problem that it is difficult to check directly at the foreign headquarters when the funds are transferred or processed in the domestic branch office.

In addition, there is a problem that can not be accurate in the execution and operation of the company's funds due to the difficulty of directly verifying at the foreign headquarters.

The present invention for solving the above problems, the opening of a financial account for a predetermined customer including the agreement information on the foreign financial institution notification of the customer's domestic transactions, the foreign financial institution information to be informed, transaction history transmission cycle information A financial account opening means for opening a financial account corresponding to the application information, information storage means for linking the opened financial account information with the customer information and the application for opening the financial account and storing the predetermined information in a predetermined storage medium; When a predetermined transaction history of the financial account is confirmed, the information confirming the agreement information on the foreign financial institution notification of the domestic transaction history of the customer stored in the storage medium, the foreign financial institution information to be informed, and the transaction history transmission cycle information The transaction in correspondence with the means, the confirmed foreign financial institution information and the transaction history transmission period information. Is a professional production means and overseas delivery system of domestic transactions, including the specialized transport means for transmitting the generated specialized SWIFT transactions notified to the target foreign financial institutions to produce professional SWIFT, including the station to provide.

According to another aspect of the present invention, a method for providing overseas transactions of domestic transactions includes agreement information on notification of a foreign financial institution of the domestic transaction history of the customer by a predetermined financial account opening means, information on foreign financial institutions to be notified, and transaction. Opening a financial account corresponding to the application for opening a financial account including details of transmission period information, and connecting the opened financial account information with the customer information and the application for opening the financial account in a predetermined information storage means; Storing information on a predetermined storage medium, and when the predetermined transaction details of the financial account are confirmed by the predetermined information checking means, consent information for notification of an overseas financial institution of the domestic transaction of the customer stored in the storage medium, Confirming the foreign financial institution information and transaction history transmission cycle information to be notified, Generating a SWIFT telegram including the transaction history in response to the confirmed notification foreign financial institution information and transaction history transmission cycle information; and generating the SWIFT telegram in the predetermined text transmission means. Characterized in that it comprises the step of transmitting to the engine.

In the method for providing overseas of domestic transactions according to the present invention, the transaction history transmission cycle is characterized in that the transaction history occurs immediately or periodically.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described domestic transaction method of the domestic transaction history.

On the other hand, the overseas transaction system of the domestic transaction history according to the present invention, the consent information for the foreign financial institution notification of the domestic transaction history of the customer, the target foreign financial institution information, the transaction history transmission cycle information for the predetermined customer Financial account opening means for opening a financial account corresponding to the application information for opening a financial account including information, and the information stored in a predetermined storage medium by linking the opened financial account information with the customer information and the application for opening the financial account; When the storage means and the predetermined transaction details of the financial account are confirmed, the consent information of the foreign financial institution notification of the domestic transaction of the customer stored in the storage medium, the foreign financial institution information to be informed, the transaction history transmission cycle information Information confirmation means for confirming the information, the information on the foreign financial institution to be informed and the transaction history transmission cycle information. And further characterized in that comprising a specialized transmitting means for transmitting the transaction history professional generating means for generating a SWIFT specialized and professional SWIFT the generated containing the transaction history to the notification target foreign financial institutions.

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

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

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

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

1 is a diagram illustrating a system for establishing a face-to-face financial account for notification of deposit transaction details through SWIFT according to one embodiment of the present invention.

In more detail, in FIG. 1, a predetermined customer prepares an application for opening a financial account including at least one of predetermined customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. When submitted to a window provided at a financial institution of the financial institution, the financial institution to open the financial account for notification of deposit transaction details through SWIFT (Society for Worldwide Interbank Financial Telecommunication) in a face-to-face manner based on the application for opening the financial account Specifically, when the customer prepares the financial account opening application form and submits it to the window, a predetermined window terminal provided at the window and the financial company server 100 provided on the financial account opening system are provided. Setting the customer information and the financial account properties corresponding to the financial account opening application form An implementation method of opening a predetermined financial account for notification of deposit transaction details through the SWIFT based on application information for opening a financial account including at least one information, notification consent information, information on a foreign financial institution to be notified, and information on a transmission cycle. It is about.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring the financial account opening system for notification of deposit transaction details through the SWIFT. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, FIG. 1 includes generating an electronic document for applying for opening a financial account and storing the electronic document in an electronic document repository in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, The electronic document opening application electronic document may be omitted by referring to and / or modifying the drawing 1, and the technical features of the present invention are not limited to the implementation method shown in the drawing 1 only.

Hereinafter, the application for opening a financial account created by the customer and the corresponding customer information and financial account property setting information, notification agreement information, and notification target overseas on the financial account opening system shown in FIG. 1 through a predetermined financial account opening interface. A configuration corresponding to at least one or more means and / or functional configurations for opening the financial account for notification of deposit transaction details through the SWIFT based on financial institution opening application information including at least one financial institution information and a transmission cycle information; The element is referred to as "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for establishing a financial account for notification of deposit transaction details through the SWIFT includes a terminal device provided at at least one financial institution branch (or branch). It characterized in that it comprises a 170, the terminal device 170 is connected to the communication channel and the financial company server 100 provided on the financial account opening system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined financial account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document having a form for filling in the at least one information item), wherein the customer is to seal the customer's seal for legal basis on the application for opening the financial account. Do.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. At least one image content obtained in response to the application for opening a financial account, at least one of customer information, financial account property setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information written in the application for opening a financial account. Input (or select) financial account opening application information, and the counter terminal corresponds to the financial company server 100 provided on the financial account opening system through the financial network with the image content and financial account opening application information. It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the financial account opening system as described above, the image acquisition device for acquiring the image content corresponding to the financial account opening application prepared by the customer, the window terminal used by the employee and the window terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for the customer to register the financial account opening application information.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 170 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network, the financial company server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 170 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network, the interface unit 105 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. 1, when the predetermined terminal device 170 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 may use the terminal device 170. Acquire an image content corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device, and input (or select) financial account opening application information corresponding to the financial account opening application; An interface for generating (or extracting) at least one user interface for transmitting to the server 100 and providing the generated (or extracted) user interface to the terminal device 170 in association with the interface unit 105. Financial account opening application information corresponding to the financial account opening application through the providing unit 110 and the user interface in the terminal device 170 When the information is input (or selected) and transmitted, the information receiver 115 receives the financial account opening request information transmitted from the terminal device 170 in association with the interface unit 105, and the terminal device 170. Obtaining and transmitting image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device based on the user interface, the image corresponding to the financial account opening application in connection with the interface unit 105 Characterized in that it comprises an image receiving unit 120 for receiving the content.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. Upon request, the mobile terminal acquires image contents corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device provided in the terminal device 170, and obtains application information for opening a financial account corresponding to the application for opening the financial account. Generate at least one user interface for input (or selection) to be transmitted to the financial institution server 100 via the financial network, and / or extract from a predetermined database (not shown), and with the interface unit 105 And providing the generated (or extracted) user interface to the terminal 170 through the financial network. .

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and opens a financial account corresponding to the financial account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial company server 100. An interface that generates (or extracts) an interface and provides it to the terminal device 170. 'S provider 110 and mubang be omitted, to which the present invention is not limited.

Subsequently, the terminal device 170 receives financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface. And inputs (or selects) and transmits the input (or selected) financial account opening application information to the financial institution server 100 through the financial network. In response, the information receiving unit 115 transmits the interface unit 105. ) And the financial account opening application information transmitted from the terminal device 170.

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and at least one financial product attribute information associated with the financial account when the financial account is an account linked to an investmentable financial product. It is preferable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

In addition, the terminal device 170 obtains the image content corresponding to the financial account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 120 receives the image content corresponding to the application for opening a financial account in response to the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image contents corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device and is provided in the terminal device 170 ( Or, if stored in a predetermined storage device, the terminal device 170 is an image corresponding to the application for opening a financial account created by the customer of the at least one or more image content previously stored in the storage device through the user interface Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the financial account opening application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 170 displays image content corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the financial account opening application and the financial account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution opening request information transmitted from the terminal device 170 is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for confirming that the validity for the notification of deposit transaction history through the SWIFT.

According to the implementation method of the present invention, the validity of the financial account opening application information, at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 170 through the image receiving unit 120, and opens the financial account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined financial account opening application electronic document including the received image content and the generated financial account opening application electronic document to the financial account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generation unit 130 may generate a financial account opening application electronic document including the image content received from the terminal device 170 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 requests to open the financial account as it is an image file including the image content received from the terminal device 170 through the image receiving unit 120. It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Opening the financial account image file corresponding to the image content including at least one or more information of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, transmission cycle information in a watermarking method (watermarking) method It is desirable to create an application electronic document.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) containing the image content received from the terminal device 170 via the image receiving unit 120 (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) It is desirable to create an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more of customer information, financial account property setting information, notification agreement information, target foreign financial institution information, and transmission cycle information by a watermarking method, and generating the generated image content. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 170 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information for opening a financial account; By generating a web document file, etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generating image content including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by a watermarking method; 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.) including the financial account opening application information, or an MHT. By generating a web document file, etc.), it is preferable to generate the financial account opening application electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate a financial account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for financial account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the financial account opening system with a predetermined electronic document server 145 and an electronic document D / B 165 linked through predetermined communication means. When provided to the outside, including the electronic document transmission unit 135 is the electronic document opening application electronic document generated by the electronic document generation unit 130 through the communication means the electronic document server 145 It characterized in that the transmission to.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the financial account opening system, the electronic document server 145 and the electronic document D / B 165 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 financial account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic document opening application electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, the customer information, and / or the electronic device) for generating predetermined electronic document management information in the electronic document server 145. Financial institution information, and / or electronic document file format information, and / or the financial account opening application information, etc.) for transmitting a financial account opening request electronic document, and the like, which can be transmitted to the electronic document repository. The present invention is not limited.

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 may verify the validity of the financial institution. Based on the customer information and financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the account opening application information, the financial account property setting information, notification agreement information and notification foreign financial institution And an account opening section 140 for opening a financial account in the name of the customer including information and transmission period information.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger that is already matched with the customer information), after generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a financial account for notifying the deposit transaction details through the SWIFT in response to the financial account opening application information is opened.

Referring to FIG. 1, an electronic document that receives a predetermined financial account opening request electronic document from the financial company server 100 provided on the financial account opening system and stores and manages the electronic document D / B 165 in a predetermined electronic document D / B 165. The server 145, the electronic document receiving unit 150 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received financial account opening request electronic document to the electronic document An information generation unit 155 for generating predetermined electronic document management information for storing and managing in the document D / B 165, and the electronic document management information and the financial account opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 160 to store the document D / B 165.

The electronic document receiving unit 150 may receive an application for opening a financial account in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means may include the image content received by the financial company server 100 from the terminal device 170. It is preferable that the image file is included as it is.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 150 through the communication means is the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. An image file corresponding to an image content including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the watermarking method is included. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image content received by the financial company server 100 from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file including image contents including at least one or more of the included customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information (in a watermarking manner) For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image received by the financial company server 100 from the terminal device 170. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing contents and application information for opening a financial account; Or a web document file including the MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. Image content including at least one or more of the included customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, transmission cycle information and watermarking method and the application information for opening the financial account 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).

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 150, and through the electronic document receiving unit 150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 155 opens the financial account with reference to the financial company server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 150. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Document-related information (e.g., financial institution information for transmitting the customer information and / or the financial account opening request electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is preferable to generate electronic document management information.

The electronic document storage unit 160 associates a financial account opening request electronic document received through the electronic document receiving unit 150 with electronic document management information generated through the information generating unit 155 to process a predetermined electronic document. The document D / B 165 may be stored.

According to the exemplary embodiment of the present invention, the financial institution opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 by the terminal device 170. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may be applied to the image content received by the financial institution server 100 from the terminal device 170. In the image content including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the financial account opening application information, by watermarking method. It is preferable to include a corresponding image file.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 by the terminal device 170. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. Includes image contents including at least one of customer information included in the financial account opening application information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information in a watermarking manner. 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) It is preferable to comprise a.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the financial company server 100 using the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 170 and the financial account opening request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. Image contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application for opening a financial account by watermarking; 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 financial account opening application information, or the MHT is provided. Web document files, etc.) to be included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account. It is preferable that the financial institution server 100 which has transmitted the opening application electronic document is further included in the financial institution information which has been confirmed by the application for opening the financial account opening application.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 100, the electronic document storage unit 160 processes the connection with the financial account opening application electronic document. The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (eg, the customer information and / or financial institution information for transmitting the financial account opening request electronic document, and / Or electronic document file format information, and / or the financial account opening application information).

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 shows an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 in the ledger D / B 200 provided in the DBMS on the financial system shown in FIG. As illustrated in FIG. 2, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for a ledger configuration corresponding to the financial account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account associated with the customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system In the ledger D / B (200) provided in the maintenance and management of at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 2 It will be apparent that at least one additional information is included to further understand, and the specific technical matters will be understood. Description will be omitted for convenience.

The customer ledger includes the customer information included in the application for opening the financial account, and includes a CIF (Customer Information File) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, account number, president, business type, legal representative , Initial transaction date, TRW, DB, usage, parent company number. 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, 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, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic receipt information including at least one, period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, par value, pension date corresponding to the ledger. And trust reception information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a RBI, a batch number corresponding to the account ledger. It includes transaction history information including at least one of a complex transaction, a date of commencement, an account book 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.

3A and 3B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal terminal in which a terminal device 170 on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a given customer has predetermined customer information, financial account attribute setting information, notification agreement information, and foreign financial institution to be notified. When a financial account opening application form including at least one information and a transmission cycle information is prepared and submitted to a window provided at a predetermined financial institution, the financial institution may face a SWIFT (Society for Worldwide) based on the financial account opening application form. Interbank Financial Telecommunication) is a system for opening the financial account for notification of deposit transaction details, specifically When the customer fills out the financial account opening application form and submits it to the window, the window terminal acquires predetermined image content corresponding to the financial account opening application application through the predetermined image acquisition device, and sends it to the financial company server 100. After the transmission, the financial account opening application information corresponding to the financial account opening application is input (or selected) and transmitted to the financial institution server 100, and the financial institution server 100 responds to the customer information and the financial account. Opening a predetermined financial account for notification of deposit transaction details through the SWIFT based on the application information for opening a financial account including at least one of property setting information, notification consent information, information on foreign financial institutions to be notified, and transmission cycle information. It's about how.

Those skilled in the art to which the present invention pertains, various implementations to provide the financial account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 3a and 3b. 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 FIGS. 3A and 3B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document 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 the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information and financial account attribute setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 3A and 3B, a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information, financial account property setting information, notification agreement information, foreign financial institution information to be informed, and transmission cycle information. When the window terminal shown in FIG. 1 requests a user interface corresponding to the application for opening a financial account (300), while accessing the server through a predetermined financial network and connecting a predetermined communication channel (300), The server generates (or extracts) a user interface for acquiring the predetermined image content corresponding to the financial account opening application written by the customer through the predetermined image obtaining apparatus and transmitting it to the server (305). In operation 310, the generated (or extracted) user interface is transmitted to the terminal through the financial network. .

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server opens a financial account including at least one of customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information corresponding to the application for opening a financial account matching the image content. A user interface for inputting (or selecting) application information is generated (or extracted) for transmission to the server (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted. (335).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface. (340).

If the financial account opening request information including at least one of the customer information, the financial account property setting information, the notification agreement information, the notification target foreign financial institution information, and the transmission period information is input (or selected) through the user interface (345) In step 350, the terminal transmits the input (or selection) of the financial account opening application information to the server through the financial network.

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Thereafter, the server receives and reads the application information for opening a financial account including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the financial network. The validity of the financial account opening application information is checked (355).

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account opening error information and transmits it to the terminal (365), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is verified (360), the server generates a predetermined financial account opening application electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generating the electronic account opening application electronic document from an image file corresponding to an image content including at least one of setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by watermarking; It is preferable.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. 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), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include the customer information and the financial account included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. A predetermined document including image setting including at least one or more of attribute setting information, notification consent information, notification target foreign financial institution information, and transmission period information by watermarking, and including the generated image content By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate the electronic account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more of setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or The financial account establishment application information, etc.) is preferably further included.

If the electronic account opening request electronic document is stored in the electronic document storage (380), the server generates predetermined account ledger information corresponding to the financial account opening application information for notification of the account transaction history through the SWIFT and In operation 385, after opening a financial account under the customer's name including the account ledger information in connection with the financial system (390), predetermined financial account opening details are generated (or extracted) and transmitted to the terminal. (395).

According to an 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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for notification of the deposit transaction details through the SWIFT.

4A and 4B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a given customer has predetermined customer information, financial account attribute setting information, notification agreement information, and foreign financial institution to be notified. When a financial account opening application form including at least one information and a transmission cycle information is prepared and submitted to a window provided at a predetermined financial institution, the financial institution may face a SWIFT (Society for Worldwide) based on the financial account opening application form. Interbank Financial Telecommunication) is a system for opening the financial account for notification of deposit transaction details, specifically When the customer completes the financial account opening application form and submits it to the window, the window terminal inputs (or selects) the financial account opening application information corresponding to the financial account opening application form and transmits it to the financial company server 100. Thereafter, a predetermined image content is obtained through a predetermined image acquisition device, and the predetermined image content corresponding to the application for opening the financial account is obtained and transmitted to the financial institution server 100. In response thereto, the financial information and the financial information of the customer information and the financial account are transferred from the financial institution server 100. Opening a predetermined financial account for notification of deposit transaction details through the SWIFT based on the application information for opening a financial account including at least one of property setting information, notification consent information, information on foreign financial institutions to be notified, and transmission cycle information. It's about how.

Those skilled in the art to which the present invention pertains, various implementations to provide the financial account opening application information from the window terminal to the financial company server 100 by referring to and / or modified in the drawings 4a and 4b. 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 FIGS. 4A and 4B.

For example, although the implementation method illustrated in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information and financial account attribute setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information, financial account property setting information, notification agreement information, target foreign financial institution information, and transmission cycle information. When the window terminal shown in FIG. 1 requests a user interface corresponding to the application for opening a financial account (400), in connection with a predetermined communication channel connected to the server through a predetermined financial network, The server may further include financial account opening application information including at least one of customer information corresponding to the financial account opening application prepared by the customer, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Generate (or extract) a user interface for input (or selection) to the server (405), and The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (410).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface. (415).

If the financial account opening application information including at least one of the customer information, the financial account property setting information, the notification agreement information, the notification target foreign financial institution information, and the transmission cycle information is input (or selected) through the user interface (420); The terminal transmits the input (or selection) of the financial account opening application information to the server through the financial network (425).

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Thereafter, the server receives and reads the application information for opening a financial account including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the financial network. The validity of the financial account opening application information is checked (430).

According to the method of the present invention, the validity confirmation of the financial account opening application information is at least one matching the financial account opening application information on the ledger D / B (200) on the financial system associated with the financial account opening system It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the financial account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server is obtained. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial account opening request information and the image content from the terminal generates a predetermined financial account opening request electronic document including the image content (470).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generating the electronic account opening application electronic document from an image file corresponding to an image content including at least one of setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by watermarking; It is preferable.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. 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), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. A predetermined document file including image information including at least one or more of setting information, notification consent information, notification target foreign financial institution information, and transmission period information by watermarking, and including the generated image content (Eg, 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), It is preferable to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more of setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or The financial account establishment application information, etc.) is preferably further included.

If the electronic account opening request electronic document is stored in the electronic document storage (480), the server generates predetermined account ledger information corresponding to the financial account opening application information for notification of the account transaction history through the SWIFT and In operation 485, the financial account of the customer name including the account ledger information is opened in connection with the financial system (490), and the predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal. (495).

According to an 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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for notification of the deposit transaction details through the SWIFT.

5A and 5B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which the terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial company server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a given customer has predetermined customer information, financial account attribute setting information, notification agreement information, and foreign financial institution to be notified. When a financial account opening application form including at least one information and a transmission cycle information is prepared and submitted to a window provided at a predetermined financial institution, the financial institution may face a SWIFT (Society for Worldwide) based on the financial account opening application form. Interbank Financial Telecommunication) is a system for opening the financial account for notification of deposit transaction details, specifically When the customer prepares the financial account opening application form and submits it to the window, the window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and the application is made to the financial account opening application form. When the corresponding financial account opening application information is input (or selected) and the image paper content and the financial account opening application information are transmitted to the financial institution server 100, the financial institution server 100 responds to the customer information and the financial information. Opening a predetermined financial account for notification of deposit transaction details through the SWIFT based on the application information for setting up a financial account including at least one of account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. It is about the implementation method.

Those skilled in the art to which the present invention pertains, various information for providing the financial account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 5a and 5b. 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. 5A and 5B.

For example, although the embodiment shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information and financial account attribute setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 5A and 5B, a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information, financial account property setting information, notification agreement information, target foreign financial institution information, and transmission cycle information. If the window terminal shown in FIG. 1 requests a user interface corresponding to the application for opening a financial account (500), while a predetermined communication channel is connected to the server through a predetermined financial network, Correspondingly, the server inputs (or selects) financial account opening application information corresponding to the financial account opening application prepared by the customer in the terminal, and a predetermined image corresponding to the financial account opening application through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting content to the server (505); And wherein the transmitting the generated user interface (or extract) to the terminal to output through 510.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface. (515).

If the financial account opening application information including at least one of the customer information, the financial account property setting information, the notification agreement information, the notification target foreign financial institution information, and the transmission cycle information is input (or selected) through the user interface (520) In operation 525, the terminal acquires image contents corresponding to the application for opening a financial account through a predetermined image acquisition device based on the user interface.

If image content corresponding to the financial account opening application is obtained through the image acquisition device (530), the terminal transmits the financial account opening application information and the image content to the server through the financial network (535). .

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Thereafter, the server receives and reads the application information for opening a financial account including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the financial network. The validity of the financial account opening application information is checked (540).

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account opening error information and transmits it to the terminal (550), and the new corresponding to the financial account opening application information. Do not perform financial account opening procedures.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server generates a predetermined financial account opening application electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generating the electronic account opening application electronic document from an image file corresponding to an image content including at least one of setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by watermarking; It is preferable.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. 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), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. A predetermined document file including image information including at least one or more of setting information, notification consent information, notification target foreign financial institution information, and transmission period information by watermarking, and including the generated image content (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to generate an electronic document for applying for opening a financial account.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 on the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more of setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or The financial account establishment application information, etc.) is preferably further included.

If the electronic document opening request electronic document is stored in the electronic document repository (565), the server generates predetermined account ledger information corresponding to the financial account opening application information for notification of the deposit transaction history through the SWIFT and In operation 570, after opening a financial account of the customer name including the account ledger information in connection with the financial system in operation 575, predetermined financial account opening details are generated (or extracted) and transmitted to the terminal. (580).

According to an 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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening request information, it is preferable to open a financial account for notification of the deposit transaction details through the SWIFT.

6 is a diagram illustrating a non-face-to-face financial account opening system for reporting transaction details through SWIFT according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that a predetermined customer includes at least one predetermined customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through a non-face-to-face financial account opening interface. When a financial account opening application information is provided to the financial institution, the financial institution opens a financial account for notification of deposit transaction details through the SWIFT (Society for Worldwide Interbank Financial Telecommunication) based on the financial account opening application information. Specifically, when the customer provides the financial account opening application information to the financial account opening system through a non-facing channel, the financial account through the financial company server 600 provided on the financial account opening system The customer information and financial account attribute setting settings corresponding to the opening application form Method for opening a predetermined financial account for notification of deposit transaction details through the SWIFT based on the application information for opening a financial account including at least one information, notification consent information, information on the foreign financial institution to be notified, information on the transmission cycle information will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for configuring the financial account opening system for notification of deposit transaction details through the SWIFT. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, FIG. 6 includes a process of creating a predetermined financial account application electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, The electronic document opening application electronic document may be omitted by referring to and / or modifying the drawing 6, and the technical features of the present invention are not limited to the implementation method shown in the drawing 6 only.

Hereinafter, the customer information, financial account attribute setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information are received from the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. The financial institution server 600 may be provided with components corresponding to at least one or more means and / or functional configurations for opening the financial account for notification of deposit transaction details through the SWIFT by receiving application information for opening a financial account including one or more. "

Referring to FIG. 6 according to an embodiment of the present invention, a financial account opening system for notification of deposit transaction history through the SWIFT includes a terminal device including at least one wired terminal and / or a wireless terminal used by a customer ( 670, and the terminal device 670 is connected to the financial company server 600 provided on the financial account opening system through a predetermined network means and a communication channel.

According to one embodiment of the present invention, the customer connects to the financial institution server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial account opening application information is input (or selected) through at least one user interface provided by the financial institution server 600, the financial institution server provided on the financial account opening system through a predetermined network means at the client terminal. It is preferable to transmit to 600.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 670 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 670 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 670 connected to the x-based mobile Internet and / or all terminal devices 670 connected to the 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 8 It is preferable to include at least one or more WLAN terminal connected to the 02.11x based WLAN.

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

In addition, the network means for connecting the client terminal and the financial institution server 600 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds 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 600, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 600. 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 financial institution server 600, etc.) is provided.

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

In the financial account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 600; And / or the wireless communication network performs a function of a financial account opening interface for the customer to register the financial account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 670 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 financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 670 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 600 performs a function of a financial account opening interface for the customer to register the financial account opening application information, and / or when the terminal device 670 is the call terminal (not shown). The wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 600 may include a financial account for the customer to register the financial account opening application information. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 670, and / or the terminal apparatus 670. A server (not shown) and a network connecting the terminal (and / or server) (not shown) and the financial institution server 600 function as a financial account opening interface for the customer to register the financial account opening application information. Perform

The financial company server 600 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 670 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 670 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 600 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program provided on the server (or device), and / or a server (or an external server on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 600 is connected to the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 600 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided in the server, and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system. A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking 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, whereby the present invention is not limited All.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 600 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV 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 the exemplary embodiment of the present invention, the financial institution server 600 may include an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device 670 through the network means.

According to an embodiment of the present invention, when the terminal device 670 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 600, the interface unit 605 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 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program 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 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 600, the interface unit 605 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 670 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or 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 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 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. 6, when the predetermined terminal device 670 connects a predetermined communication channel with the financial company server 600 through the interface unit 605, the terminal device 670. Generate (or extract) at least one user interface for inputting (or selecting) predetermined financial account application information to be transmitted to the financial institution server 600, and generating the at least one user interface in connection with the interface unit 605. (Or extracted) the interface providing unit 610 for providing the extracted user interface to the terminal device 670 and the terminal device 670 inputting (or selecting) the financial account opening application information through the user interface. When the transmission, the information receiving unit 615 for receiving the financial account opening request information transmitted from the terminal device 670 in conjunction with the interface unit 605 is provided. It is characterized by.

The interface providing unit 610 connects the predetermined communication channel with the financial institution server 600 through the interface unit 605, and then connects the user interface to the financial institution server 600. Generate, at least one or more user interfaces for inputting (or selecting) predetermined financial account opening application information from the terminal device 670 to the financial institution server 600 through the network means upon request; Alternatively, the user interface may be extracted from a predetermined database (not shown) and provided to the terminal device 670 through the network means.

According to an embodiment of the present invention, when the terminal device 670 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 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 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 605 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 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 605.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal device 670 and transmitting it to the financial institution server 600 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting the predetermined information to the financial institution server 600 as described above. The interface providing unit 610 provided to the device 670 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 670 uses the user interface to provide financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. And inputs (or selects) and transmits the input (or selected) financial account opening application information to the financial institution server 600 through the network means. In response, the information receiving unit 615 receives the interface unit 605. ) And the financial account opening application information transmitted from the terminal device 670.

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one or more financial account property setting information, notification agreement information, notification target foreign financial institution information, transmission period information including at least one transfer period information. An OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for checking the validity of the financial account opening application information in the financial institution server 600. It is preferable to further include at least one or more to transmit to the financial institution server 600 through the network means.

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one financial account establishment application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. And / or encrypt 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 key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the financial account opening application information and transmit it to the financial institution server 600 through the network means. For this purpose, the terminal apparatus 670 may include at least one corresponding to the encryption scheme. With a cryptographic key, and / or with a predetermined certificate containing at least one cryptographic 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).

According to an embodiment of the present invention, the terminal device 670 requests to open a financial account including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. The network means by encrypting the information with 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 key exchange based encryption method). It is preferable to transmit to the financial institution server 600 through, for this purpose, the terminal device 670 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key If a predetermined certificate is provided and / or the certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

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

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Referring to FIG. 6, when the financial institution opening application information received from the terminal device 670 is received through the information receiving unit 615, the financial institution server 600 receives the financial account opening application information. Characterized in that it comprises a validity authentication unit for confirming that the validity for the notification of deposit transaction history through the SWIFT.

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity authentication unit converts the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or a public key) corresponding to the encryption scheme. 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 application information for opening a financial account.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity authentication unit verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is desirable to.

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

When the financial account opening application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the financial account opening application information, the validity authentication unit It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the financial account opening application information, the validity authentication unit may include the financial authentication unit. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the account opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the validity authentication unit opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity verification unit 625, the financial institution server 600 includes a predetermined financial account including the received financial account opening application information. An electronic document generating unit 630 for generating an opening application electronic document, and an electronic document transmitting unit 635 for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system; Characterized in that made.

The electronic document generating unit 630 generates a financial account opening application electronic document including the financial account opening application information received from the terminal device 670 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generation unit 630 may include customer information, financial account property setting information, notification agreement information, and notification included in the financial account opening application information received through the information receiving unit 615. Generating document content including at least one target foreign financial institution information and transmission period information, and including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or the like) containing the document content, or It is preferable to process a word processor file including at least one of HWP / DOC or the like, or a web document file including the MHT as the financial account opening request electronic document.

Alternatively, the electronic document generation unit 630 may transmit customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and information included in the financial account opening application information received through the information receiving unit 615. Generate document content including at least one cycle information, and include customer information and financial account property setting information, notification agreement information, target foreign financial institution information, and transmission cycle information included in the financial account opening application information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or Open a financial account), including a word processor file including at least one of HWP / DOC, a web document file including MHT, and the like. It is desirable to process the application electronic document.

Alternatively, the electronic document generation unit 630 may transmit customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and information included in the financial account opening application information received through the information receiving unit 615. Generating an image content including at least one piece of periodic information and an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory); It is preferable to process it as an electronic application.

Alternatively, the electronic document generation unit 630 may transmit customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and information included in the financial account opening application information received through the information receiving unit 615. Generate document content including at least one or more period information, and include in the financial account opening application information in the image content (e.g., image content generated by capturing the document content on a memory). Watermarking method after including at least one or more information, such as customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, transmission cycle information, and includes the image content including the watermarking It is preferable to process the image file to the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 630 may include customer information, financial account property setting information, notification agreement information, included in the financial account opening application information received through the information receiving unit 615, and the like. Generating document content including at least one notification target foreign financial institution information and transmission period information, and capturing the image content (eg, the image content generated by capturing the document content on a memory); 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) ), The financial account opening application electronic document is preferably processed.

Alternatively, the electronic document generation unit 630 may transmit customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and information included in the financial account opening application information received through the information receiving unit 615. Generate document content including at least one or more period information, and include in the financial account opening application information in the image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one or more of the selected customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by a watermarking method, and the watermarking is included. Document files (eg, Portable Document Format (PDF) files, or EDI (Electronic Data Inte) files containing embedded image content). rchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 may include customer information, financial account property setting information, and notification agreement information included in the financial account opening application information received through the information receiving unit 615. Image content (eg, image content generated by capturing the document content on a memory) by generating document content including at least one notification target foreign financial institution information and transmission period information, and capturing the document content. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one document file including the financial account opening request information, or By generating a web document file including the MHT), it is preferable to process the financial account opening application electronic document.

Alternatively, the electronic document generation unit 630 may transmit customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and information included in the financial account opening application information received through the information receiving unit 615. Generate document content including at least one piece of periodic information, and capture the document content in the image content (eg, the image content generated by capturing the document content on a memory). Generate image content including at least one or more of the included customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information by watermarking. A document file (eg, PDF (Portable Document Fo) containing the image content included and the financial account opening application information. rmat) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process.

In the technical field to which the present invention pertains, the electronic document generating unit 630 generates a financial account opening application electronic document in an image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for financial account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 635 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 630 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 6, the electronic document repository is connected to a financial company server 600 on the financial account opening system with a predetermined electronic document server 645 and an electronic document D / B 665 through predetermined communication means. When provided externally, the electronic document transmission unit 635 is the electronic document opening application electronic document generated by the electronic document generation unit 630 through the communication means through the electronic document server 645 It characterized in that the transmission to.

Here, when the electronic document server 645 and the electronic document D / B 665 is provided outside the financial account opening system, the electronic document server 645 and the electronic document D / B 665 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 financial account opening system, the electronic document transmission unit 635 generates the electronic document generation unit 630. It is possible to store the electronic document opening application electronic document in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 635 may provide electronic document related information (eg, the customer information, and / or the electronic device) for generating predetermined electronic document management information in the electronic document server 645. Financial institution information, and / or electronic document file format information, and / or the financial account opening application information, etc.) for transmitting a financial account opening request electronic document, and the like, which can be transmitted to the electronic document repository. The present invention is not limited.

Referring to FIG. 6, when the financial account opening application information received through the information receiving unit 615 is verified through the validity checking unit 625, the financial institution server 600 may verify the validity of the financial institution. Financial institution attribute setting information, notification agreement definition, notification target financial institution based on the customer information, financial account attribute setting information, notification information, notification foreign financial institution information and transmission cycle information included in the account opening application information And an account opening section 640 for opening a financial account in the name of the customer including information and transmission period information.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 625, the account opening unit 640 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger that is already matched with the customer information), after generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a financial account for notifying the deposit transaction details through the SWIFT in response to the financial account opening application information is opened.

Referring to FIG. 6, an electronic document which receives a predetermined financial account opening request electronic document from the financial company server 600 provided on the financial account opening system and stores and manages it in a predetermined electronic document D / B 665. The server 645, the electronic document receiving unit 650 for receiving a predetermined financial account opening request electronic document from the financial institution server 600 through a predetermined communication means, and the electronic document receiving application electronic document An information generation unit 655 for generating predetermined electronic document management information for storing and managing in the document D / B 665, and the electronic document management information and the financial account opening application electronic document in a predetermined manner. And an electronic document storage unit 660 for storing in the document D / B 665.

The electronic document receiving unit 650 may receive an electronic document opening request electronic document in the form of an image file and / or a document file from the financial institution server 600 through the communication means.

According to the exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is opened by the financial company server 600 from the terminal device 670. Document files (eg, Portable Document Format (PDF)) containing document contents including at least one of customer information and financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the application information. File, 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 MHT).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 670. And customer account information and financial account property setting information and notification agreement included in the application information for opening the financial account in document content including at least one financial account property setting information, notification agreement information, foreign financial institution information to be informed, and information on a transmission period. After including at least one or more information of the information, the information on the foreign financial institution, the transmission period information, the watermarking method (Watermarking), a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) A word processor file including at least one file, an electronic data interchange (EDI) file, or an HWP / DOC, or the like, or Web document file including MHT).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 670. Image content (e.g., generated by capturing the document content on a memory), the document content including at least one of financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission period information. It is preferable to include an image file (including image content).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 670. Image content (e.g., generated by capturing the document content on a memory), the document content including at least one of financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission period information. Image content) including at least one of customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application information for opening a financial account in a watermarking manner. After that, it is made to include an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is a financial account received by the financial company server 600 from the terminal device 670. Image content (e.g., the document) which captures document content including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application for registration. Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 670. Image content (e.g., generated by capturing the document content on a memory), the document content including at least one of financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission period information. Image content) includes at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application information for opening a financial account in a watermarking manner. Generating an image content, and a document file including the image 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). .

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is received by the financial company server 600 from the terminal device 670. Image content (e.g., captured) of document content including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application for opening a financial account. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP /) containing the document content generated by capturing the document content on a memory and the financial account opening request information. A word processor file including at least one DOC, or a web document file including MHT). It is.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 670. Image content (e.g., generated by capturing the document content on a memory), the document content including at least one of financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission period information. Image content) includes at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the application information for opening a financial account in a watermarking manner. Generating image content, the image content including the watermarking and the application to open the financial account Document files containing information (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including the MHT, etc.) It is preferable to comprise).

The information generation unit 655 uses a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 650, and the electronic document receiving unit 650. And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 655 opens the financial account with reference to the financial company server 600 which has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 650. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600 through the electronic document receiving unit 650, the information generating unit 655 may receive the received electronic document. Document-related information (e.g., financial institution information for transmitting the customer information and / or the financial account opening request electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is preferable to generate electronic document management information.

The electronic document storage unit 660 associates a financial account opening request electronic document received through the electronic document receiving unit 650 with electronic document management information generated through the information generation unit 655 to process a predetermined electronic document. It stores in the D / B (665).

According to the exemplary embodiment of the present invention, the financial institution opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 670. A document file including document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the financial account opening application information received from A PDF (Portable Document Format) 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).

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. Customer information and financial account included in the financial account opening application information in the document content including at least one or more customer information and financial account property setting information included in the information, notification agreement information, notification target foreign financial institution information, transmission cycle information After including at least one of property setting information, notification consent information, notification target foreign financial institution information, transmission period information in a watermarking manner, a document file including document content including the watermarking (eg, A word processor file including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, or the like. It comprises a web page file, and so on) containing the MHT is preferred.

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. Image content (eg, the document content) which captures document content including at least one of customer information, financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the information. It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. Image content (eg, the document content) which captures document content including at least one of customer information, financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the information. Watermarking at least one of customer information included in the financial account opening application information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information in the image content captured and generated on memory; After including by the (Watermarking) method, comprising the image file containing the image content including the watermarking It is preferred.

According to another exemplary embodiment of the present invention, a financial account opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 670. Image capturing document contents including at least one of customer information, financial account property setting information, notification agreement information, foreign financial institution information to be informed, and transmission cycle information included in the financial account opening application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, a financial account opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening received by the financial institution server 600 from the terminal device 670. Image content capturing document content including at least one of customer information and financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the application information (eg, the document content). Image information generated by capturing the data in a memory) at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the financial account opening application information. Create a document content including the watermarking method, and a document file containing the watermarked image content (eg Such as 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). Do.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may include the financial company server 600 in the terminal device ( Capturing document contents including at least one of customer information, financial account property setting information, notification agreement information, foreign financial institution information to be reported, and transmission cycle information included in the financial account opening application information received from 670). A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing image content (eg, image content generated by capturing the document content on a memory) and the financial account opening request information. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is right.

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. Image content (eg, the document content) which captures document content including at least one of customer information, financial account property setting information, notification agreement information, notification foreign financial institution information, and transmission cycle information included in the information. Watermarking at least one of customer information included in the financial account opening application information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information in the image content captured and generated on memory; Generating image content including the watermarking method, and opening the financial account and the image content including the watermarking. Document files containing information (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including the MHT, etc.) It is preferable to comprise).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 665 by processing the electronic document storage unit 660 in association with the electronic account opening request electronic document, the financial account opening Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial account opening request electronic document is stored in the financial account. It is preferable that the financial institution server 600 that has transmitted the opening application electronic document further includes the financial institution information that has transmitted the financial account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600, the electronic document storage unit 660 processes the connection with the financial account opening application electronic document and the The electronic document management information stored in the electronic document D / B 665 may include the received electronic document related information (eg, the customer information and / or financial institution information for transmitting the financial account opening application electronic document, and / Or electronic document file format information, and / or the financial account opening application information).

7 illustrates a ledger configuration corresponding to a financial account opened in a non-face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 7 shows an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 in the ledger D / B 700 provided in the DBMS on the financial system shown in FIG. As an example of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing to infer various embodiments of the ledger configuration corresponding to the financial account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 700 is provided with at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be apparent that at least one additional information is included to further understand, and the specific technical matters will be understood. Description will be omitted for convenience.

The customer ledger includes the customer information included in the application for opening the financial account, and includes a CIF (Customer Information File) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, 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, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic reception information including at least one or more of a period, a number of days, a period extension, an expiration date, and a target amount, and / or an account number, a deposit amount, a par value, and a pension corresponding to the account ledger. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF and the like.

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

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8A and 8B illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web in which the terminal device 670 on the financial account opening system shown in FIG. 6 is a client terminal, and the financial institution server 600 can be accessed by a client terminal through a predetermined network means. In the case of having a server function, at least one of customer information, financial account attribute setting information, notification consent information, notification target foreign financial institution information, and transmission cycle information through the client terminal in order for a predetermined customer to open a financial account. If the financial account opening application information including the above is provided, the financial account opening system includes at least one of the customer information, the financial account property setting information, the notification agreement information, the target foreign financial institution information, and the transmission cycle information. Based on the application information, the Society for Worldwide Interbank Financial Telecommunication (SWIFT) An embodiment of the present invention relates to a method of opening a predetermined financial account for notification of deposit transaction details, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the client by referring to and / or modifying the present invention. Various implementation methods for providing the financial account opening application information from the terminal to the financial company server 600 may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIGS. 8A and 8B. It is not limited to implementation method.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage, the above-described process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

8A and 8B, the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 600. Although illustrated as being provided, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 600, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 600 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information, the financial account attribute setting information, the notification agreement information, the notification target foreign financial institution information, and the transmission cycle information transmitted to the financial institution server 600 are referred to as "bank account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 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, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the user When requesting a web page including an interface (800), in response, the server includes at least one financial information including the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Generate (or extract) a web page including a user interface for inputting (or selecting) account opening application information to the server (8); 05), the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (810).

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 procedure for registering the financial account opening application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs application information for opening a financial account including at least one or more customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through a user interface included in the web page. (Or select) 815.

If the terminal receives (or selects) financial account opening application information including the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface (820); In step 825, the terminal transmits the input (or selected) customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information to the server through the communication channel.

According to an embodiment of the present invention, the terminal may include at least one financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. The network 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 financial account opening application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal may include at least one or more financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Encrypt using an 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 exchange based encryption method), and / or open the financial account. Preferably, a predetermined electronic signature is attached to the application 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 or more encryption signatures. Have a predetermined certificate containing an encryption key and / or the certificate It is desirable that the bar is provided with a case, the IC chip card reader to make sure the certificate provided in (or IC card) having a predetermined IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one or more financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Encryption by encryption method (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) to the server via the network means. Preferably, 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 certification. When a certificate is provided in a predetermined IC chip (or IC card), it is provided in the IC chip (or IC card) It is preferable that a card reader is provided for checking the accredited certificate.

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

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is finance of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked with the financial account opening system in response to the customer It is preferable to comprise.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Thereafter, the server receives and reads the customer information and financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the communication channel to confirm the validity of the application for opening the financial account. (830).

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

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the financial account opening application information, the server determines the financial account. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferable to include a check that matches the customer ledger stored in / B (700).

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (840), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (835), the server includes at least one or more customer information including the financial account opening application information, financial account property setting information, notification agreement information, foreign financial institution to be notified Generates predetermined document content including information and transmission period information (845), and generates a predetermined financial account opening application electronic document including the document content (850).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, financial account attribute setting information, notification agreement information, foreign financial institution information, and transmission cycle information included in the received financial account opening application information. A word processor which generates at least one document content including at least one 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.) including the document content. File, or a web document file including MHT) is preferably processed as the electronic account opening application electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. And watermarking at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the document content application information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including an MHT) as the electronic document opening application electronic document. The.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. And processing the image file including the image content (eg, image content generated by capturing the document content on a memory) of the document content as the financial account opening request electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); And at least one information of the foreign financial institution information and the transmission period information to be notified by a watermarking method, and then process an image file including the image content including the watermarking as the electronic document opening application electronic document. It is desirable to.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Document content including watermarking information, and at least one of at least one information of a foreign financial institution and a transmission period information to be notified by a watermarking method. At least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC file. By generating a web document including at least a file containing a word processor file, or MHT the like), it is preferable to process in the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server may include at least customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Generates a document content including one or more, and includes a predetermined image content (for example, the image content generated by capturing the document content on the memory) and the financial account opening application information to capture the document content (capture) By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the financial account opening application electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Generating image content including at least one or more information of the foreign financial institution to be notified and information on a transmission period by a watermarking method, and including the image content including the watermarking and application information for opening the financial account; Document file (e.g., Portable Document Format (PDF) file, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding former consultant D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

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

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or The financial account establishment application information, etc.) is preferably further included.

If the electronic document opening request electronic document is stored in the electronic document repository (860), the server generates predetermined account ledger information corresponding to the financial account opening request information for notification of deposit transaction details through the SWIFT and In operation 865, in connection with the financial system, a financial account of the customer name including the account ledger information is opened in operation 875, and a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal. (880).

According to an 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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for notification of the deposit transaction details through the SWIFT.

9A, 9B, and 9C illustrate a process of opening a financial account for notification of deposit transaction details through SWIFT according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 600 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) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined financial account opening application information to the internet banking server to open the financial account, the customer information, financial account property setting information, notification agreement information, and notification subject are transmitted from the internet banking server. The SW is based on the application information for opening a financial account including at least one information on foreign financial institutions and information on a transmission cycle. An embodiment of the present invention relates to a method of opening a predetermined financial account for notification of deposit transaction details through the Society for Worldwide Interbank Financial Telecommunication (IFT). 9b and 9c may be inferred with various implementation methods for providing the application for opening a financial account through other types of non-face-to-face financial transaction channels, but the present invention is directed to all implementation methods inferred from the above. It is not limited to the embodiment shown in Figures 9a, 9b and 9c.

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. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account establishment application information between the client terminal and the Internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the technical field to which the present invention pertains. Growing up, the client 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. 9A, 9B, and 9C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering a financial account opening application information between the burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present 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 9a, 9b and 9c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer a method of implementing a non-face-to-face channel-based financial transaction channel for registering a financial account opening application information. Includes all kinds 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 the Internet banking shown in FIGS. 9A, 9B, and 9C.

In addition, although the embodiment shown in FIGS. 8A and 8B 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.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 600 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

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 (915a), 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 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), 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 (930a), 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 encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also to be provided to the server for registration of application information for opening a financial account 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) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (935a).

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 (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel which can register and register predetermined financial account establishment application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server correspondingly the customer information, financial account property setting information, notification agreement information Generating (or extracting) a web page including a user interface for inputting (or selecting) financial account opening application information including at least one information to be informed of foreign financial institutions and transmission cycle information and transmitting the same to the server; 905b), the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the internet banking-based financial transaction channel (910b).

According to an embodiment of the present invention, the web page includes financial account establishment application information including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information in the terminal. Preferably includes a user interface for inputting (or selecting) and / or predetermined password and / or security card information (or to verify validity for an Internet banking customer requesting to register the financial account opening application information). For example, the 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, after the internet banking application process (or after the internet banking application) is provided to the customer by the financial institution. User entering an OTP authenticator (or one-time password generated by the OTP authenticator) It further includes an interface is preferred.

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

Thereafter, the terminal inputs the financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the financial account opening interface (or 915b).

If the terminal receives (or selects) financial account opening application information including the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information through the user interface (920b); In operation 925b, the terminal transmits the input (or selection) of the financial account opening application information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal may include at least one financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. The network 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 financial account opening application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal may include at least one or more financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Encrypt using encryption methods (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 the financial account Preferably, a predetermined electronic signature is attached to the application for opening establishment 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. Have a predetermined public certificate including the above encryption key, and / or the public certificate It is preferred that the case, equipped with the IC chip card reader to make sure the certificate provided in (or IC card) is provided in a predetermined IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one or more financial account opening application information including at least one of the customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information. Encryption by encryption method (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) to the server via the network means. Preferably, 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 certification. When a certificate is provided in a predetermined IC chip (or IC card), it is provided in the IC chip (or IC card) It is preferable that a card reader is provided for checking the accredited certificate.

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

The customer information includes 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 a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

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

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferable to include a check that matches the customer ledger stored in / B (700).

In addition, the validity verification of the application information for opening the financial account may correspond to the notification target foreign financial institution information included in the application for opening a financial account and link the notification target foreign financial institution information to the notification target foreign financial institution. It is preferable that it consists of including and confirming.

If the validity of the financial account opening application information is not authenticated (935b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (940b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server includes at least one or more customer information including the financial account opening application information, financial account attribute setting information, notification agreement information, foreign financial institution to be notified of the notification. The predetermined document content including the information and the transmission period information is generated (945b), and the predetermined financial account opening application electronic document including the document content is generated (950c).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, financial account attribute setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) is preferably processed as the electronic account opening application electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. And watermarking at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the document content application information. After including, the document file including the document content including the watermarking (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc.) , Or a web document file including an MHT) as the electronic document opening application electronic document. Do.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. And processing the image file including the image content captured by the document content (for example, the image content generated by capturing the document content on a memory) as the financial account opening request electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); And at least one or more information of a foreign financial institution to be notified and information on a transmission cycle by a watermarking method, and then convert an image file including the image content including the watermarking into the electronic account opening request electronic document. It is preferable to process.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); A document file (eg, PDF) that generates image content including at least one or more information of a foreign financial institution to be notified and information on a transmission period by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. By generating a word processor file or a web document file including the MHT or the like), it is preferable to process the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server may include at least customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. A predetermined document including document content including at least one document content and including image content (eg, image content generated by capturing the document content on a memory) and the financial account opening request information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the financial account opening application electronic document.

Alternatively, the server generates document contents including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information included in the received financial account opening application information. Customer information, financial account property setting information, and notification agreement information included in the financial account opening application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Generating image content including at least one or more information of the foreign financial institution to be notified and information on a transmission period by a watermarking method, and including the image content including the watermarking and application information for opening the financial account; Document file (e.g., Portable Document Format (PDF) file, or Electronic Data Interchange (EDI)) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, to process the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

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

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or The financial account establishment application information, etc.) is preferably further included.

If the electronic document opening application electronic document is stored in the electronic document storage (960c), the server generates predetermined account ledger information corresponding to the financial account opening application information for notification of the deposit transaction history through the SWIFT and In operation 965c, after opening a financial account of the customer's name including the account ledger information in connection with the financial system (970c), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal. (975c).

According to an 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 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for notification of the deposit transaction details through the SWIFT.

10 is a diagram illustrating a financial account operating system for notification of deposit transaction details through SWIFT according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a SWIFT (Society for Worldwide Interbank) operation by operating a financial account opened through the financial account opening system shown in FIG. 1 or 6 based on the financial account information stored in the storage medium 1040. The system configuration for notification of deposit transaction details through Financial Telecommunication), and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 10 to notify the deposit transaction details through the SWIFT Various implementation methods for the financial account management system for the present invention can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the financial account operating system includes a financial system having a ledger corresponding to a financial account opened through the financial account opening system shown in FIG. A storage medium 1040 for storing financial account information including at least one of customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information; and the financial system in connection with the financial system. Operating an account, characterized in that it comprises a financial account management server 1000 for periodically checking the financial account information stored in the storage medium 1040 to notify the deposit transaction details through the SWIFT.

Here, the storage medium 1040 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the financial account management server 1000 is a ledger server provided in the financial system, or a financial company server on the financial account opening system shown in FIG. 1 or 6, or as shown in FIG. 1 or 6. Various banking servers (e.g., an internet banking server, a wireless banking server, a tele banking server, a home banking server, a TV banking server, etc.) operating the financial account in connection with a financial system, or notify the deposit transaction details through the SWIFT. It may be a separate server provided to achieve, by which the present invention is not limited.

In addition, in FIG. 10, the financial account management server 1000 functions to operate the financial account in connection with the financial system, and periodically checks the financial account information stored in the storage medium 1040 to determine the SWIFT. Although illustrated including all the functional configuration for the notification of deposit transaction history through the present invention is not limited by this, the financial account management server 1000 is a separate server (or device) for each functional configuration It is clear that this can be achieved.

The financial system is a general term for a computer system having a ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 or 6, and basically a branch (and / or a branch) of the financial institution. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

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

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

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

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

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

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

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

Referring to FIG. 10, the financial system is a computer system 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. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

The storage medium 1040 includes at least one of the customer information, the financial account property setting information, the notification agreement information, the notification target foreign financial institution information, and the transmission cycle information through the financial account opening system shown in FIG. 1 or 6. As a generic term for storage means for storing the financial account information including the above, the storage medium 1040 is provided in the ledger D / B on the financial system according to the intention of those skilled in the art, or predetermined predetermined linked to the ledger D / B It is all possible to be provided in the database or on at least one banking system.

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

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified of the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when the transaction through the financial account occurs, the notification of the transaction history It is preferable to include financial institution information corresponding to the target financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

Referring to FIG. 10, the financial account operation server 1000 may include at least one customer terminal 1045 and the financial unit to operate a financial account opened through the financial account opening system illustrated in FIG. 1 or 6. An interface unit 1015 for connecting a communication channel for account management, and an information receiver for receiving predetermined financial account usage information for operating the financial account from the customer terminal 1045 in association with the interface unit 1015 ( 1025) and a financial account operating unit 1010 for operating the financial account in connection with the financial system based on the received financial account usage information, characterized in that the financial account according to the intention of the skilled person The operation unit 1010 may be composed of at least two or more functional components (or means) in more detail, whereby the present invention is not limited. The.

According to an exemplary embodiment of the present invention, when the customer terminal 1045 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1015 may be configured based on the protocol stack defined in the communication network. A communication that connects an employee terminal with a predetermined communication channel and transmits and receives at least one information (or data) for operating the financial 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 an interface.

According to another embodiment of the present invention, when the customer terminal 1045 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1015 is based on the protocol stack defined in the wired communication network. At least one or more information (or data) for connecting the terminal 1045 and a predetermined communication channel and operating the wired terminal and the financial account using a communication protocol defined in a financial transaction program included in the customer terminal 1045. It is desirable to provide a communication interface for transmitting and receiving).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1045, the interface unit 1015 may be connected to the client terminal 1045 based on the TCP / IP protocol. Link a communication channel and use a HTPP protocol defined in the browser program to designate a predetermined web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or data) for operating the financial account. ) Provides a communication interface for transmitting and receiving.

Or, if the customer terminal 1045 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1000, the interface unit 1015 is based on the TCP / IP protocol to the customer terminal ( 1045) and a communication interface for transmitting and receiving information (or data) for operating the financial account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1045 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1015 may be configured based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the customer terminal 1045, and transmitting and receiving at least one or more information (or data) for operating the financial account using a communication protocol defined in the financial transaction program provided in the customer terminal 1045 It is desirable to provide a communication interface.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 1045, the interface unit 1015 may be configured based on the CDMA / WCDMA protocol. Connect a communication channel with a customer terminal 1045, and a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page, or HTML) for operating the financial account using the WAP / ME protocol defined in the browser program. Compatible webpages) and / or an interface for transmitting and receiving information (or data).

Or, if the customer terminal 1045 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1000, the interface unit 1015 is based on the CDMA / WCDMA protocol, the customer terminal ( 1045) and a communication interface for transmitting and receiving information (or data) for operating the financial account using a communication protocol defined in the financial transaction program.

The information receiving unit 1025 receives the predetermined financial account usage information for operating the financial account from the customer terminal 1045 in connection with the interface unit 1015, the received financial account usage information Is provided to the financial account management unit 1010.

The financial account manager 1010 may perform various financial transaction procedures for the financial account in connection with the financial system 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 financial account, the financial account is operated. The unit 1010 preferably performs a deposit transaction procedure for the financial account in connection with the financial system based on the financial account usage information, and records the deposit transaction details in a ledger corresponding to the financial account. desirable.

According to another embodiment of the present invention, the withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the financial account) is included in the financial account use information. In this case, the financial account management unit 1010 preferably performs a withdrawal transaction (or transfer transaction) procedure for the financial account in connection with the financial system based on the financial account use information. It is preferable to record in the ledger corresponding to the financial account.

In addition, the financial account management unit 1010 periodically checks the amount deposited in the financial account, and calculates the interest (or proceeds) for the deposit amount according to the interest rate (or yield) corresponding to the financial account. And deposit the calculated interest (or proceeds) into the financial account and record the interest (or proceeds) deposit in the ledger corresponding to the financial 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. 10, the financial account management server 1000 operates the financial account operation unit 1010 in association with the financial system to notify the deposit transaction history through the SWIFT. Check the notification agreement information included in the financial account information in connection with the storage medium 1040, and if the notification agreement is confirmed in response to the confirmed notification agreement information, the transmission period is further checked to determine whether the transmission period has been reached. Check the confirmed notification agreement information in association with the information confirmation unit 1020 and the financial system, and if the notification agreement is confirmed in response to the confirmed notification agreement information, the transmission period is further checked to determine whether the transmission period has been reached. It is characterized in that it comprises a financial account confirmation unit 1005 for confirming the presence or absence of the transaction history for the financial account in response.

The information checking unit 1020 is connected to the storage medium 1040 while the financial account operating unit 1010 operates the financial account in connection with the financial system to notify the deposit transaction details through the SWIFT. The notification agreement information included in the financial account information is checked, and when the notification agreement is confirmed in response to the identified notification agreement information, the transmission period is further checked to determine whether the transmission period has been reached.

According to the present invention, the information confirming unit 1020 stores the storage medium 1040 while the financial account operating unit 1010 operates the financial account in connection with the financial system to notify the deposit transaction details through the SWIFT. Check the notification agreement information included in the financial account information, and if the notification agreement is confirmed in response to the confirmed notification agreement information, it is preferable to further check the transmission period to check whether the transmission period has been reached. .

The transmission period includes time information for notifying a place set by the customer when the account is opened when a transaction history occurs with respect to the financial account, and the time information may be immediately notified when a transaction history occurs. It may be set as a daily transaction history notification in the form of collecting and sending the transaction history during the period, and preferably comprises at least one predetermined unit time or real time, such as setting to send and collect the transaction history of several hours.

The financial account checking unit 1005 confirms the confirmed notification agreement information in connection with the financial system, and if the notification agreement is confirmed in response to the confirmed notification agreement information, further confirms the transmission period to see if the transmission period has been reached. It is characterized by checking the presence or absence of transaction history for the financial account in response to whether or not.

According to the present invention, the financial account confirmation unit 1005 confirms the confirmed notification agreement information in connection with the financial system, and further confirms a transmission period when the notification agreement is confirmed in response to the confirmed notification agreement information. It is preferable to check the presence or absence of the transaction history for the financial account in response to whether the transmission cycle has been reached.

Referring to FIG. 10, the financial account management server 1000 corresponds to the notification agreement information confirmed by the information checking unit 1020 and the transmission period, and when the notification agreement is reached, the financial account management server 1000 reaches the transmission period. A professional generation unit 1030 for generating a SWIFT (Society for Worldwide Interbank Financial Telecommunication) telegram to notify a financial institution located in a foreign country of the transaction details confirmed by the financial account confirmation unit 1005, and the telegram to a foreign financial institution. Characterized in that it comprises a specialized transmission unit 1035 for providing to the provided financial system.

The full text generation unit 1030, the financial account management server 1000 is the notification agreement confirmed by the information confirmation unit 1020, and the notification agreement is confirmed in response to the transmission period, when the delivery period is reached In order to notify a financial institution located in a foreign country of the transaction details confirmed by the financial account confirmation unit 1005, a SWIFT (Society for Worldwide Interbank Financial Telecommunication) may be generated.

According to the present invention, the full text generation unit 1030, the financial account management server 1000, the notification agreement confirmed by the information confirmation unit 1020 and the transmission period, the notification agreement is confirmed, and transmitted When the period is reached, it is preferable to generate a SWIFT (Society for Worldwide Interbank Financial Telecommunication) full text to notify financial institutions located in foreign countries of the transaction details confirmed by the financial account identification unit 1005.

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

In addition, the SWIFT full text may further include a case in which information is provided from a foreign financial institution to a domestic financial institution in addition to providing information from the domestic financial institution to a foreign financial institution.

The specialized transmission unit 1035 is connected to the specialized generation unit 1030, the domestic banking is provided with the financial account management server 1000 for the SWIFT telegram corresponding to the transaction history generated by the professional generation unit 1030 The institution is provided with a financial system provided to foreign financial institutions through a predetermined SWIFT network.

According to the present invention, the SWIFT full text corresponding to the transaction history generated by the full text generation part 1030 in connection with the full text generation part 1030 is foreign from a domestic financial institution equipped with the financial account operation server 1000. It is desirable to provide a financial system provided in a financial institution through a predetermined SWIFT network.

11 is a diagram illustrating an operation flow of a financial account operating system for notification of deposit transaction details through SWIFT according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a SWIFT (Society for Worldwide Interbank) operation by operating a financial account opened through the financial account opening system shown in FIG. 1 or 6 based on the financial account information stored in the storage medium 1040. Regarding the operation flow of the system for notification of deposit transaction details through Financial Telecommunication), those skilled in the art to which the present invention pertains may refer to and modify the present disclosure and notify the deposit transaction details through the SWIFT. Various implementation methods for the operational flow of the financial account operating system for the present invention can be inferred, but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

In addition, if those of ordinary skill in the art to which the present invention pertains, the operation process of the system for notification of the deposit transaction history through the SWIFT by changing and referring to this figure 11 to confirm the transmission cycle first and informed consent It may be possible to infer various implementation methods of the operation of the confirmation agreement, the delivery period, the transaction history confirmation, such as confirming or confirming the transaction history and confirming the notification agreement, the transmission period, but the present invention is inferred from the above It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

The financial account management server 1000 shown in FIG. 10 is referred to as a "server" for convenience, and customer information, financial account property setting information, notification agreement information, notification target foreign financial institution information, and transmission cycle information are referred to as "financial account information". "

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

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for notification of account transaction details through the SWIFT, and the financial information. Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

The notification consent information is for the financial account to be opened through the financial account opening application information for notification of the account transaction history through the SWIFT, when a transaction through the financial account occurs, the transaction details corresponding to the transaction occurs; It is preferable to include consent information agreed to notify a predetermined financial institution established at the time of opening an account.

The foreign financial institution information to be notified is to be notified of the transaction details when a transaction through the financial account occurs for a financial account to be opened through the financial account opening application information for notification of account transaction details through the SWIFT. It is preferable to include financial institution information corresponding to the financial institution.

The transmission period information is for a financial account to be opened through the financial account opening application information to notify the account transaction details through the SWIFT, when a transaction through the financial account occurs, the target financial institution to notify the transaction details It is preferable to include information corresponding to the transmission period set by the customer who opened the account in real time to provide.

According to FIG. 10, the server confirms notification agreement information included in the financial account information (1100).

If there is no notification agreement in response to the notification agreement information check result (1105), the process for notification of transaction details ends.

On the other hand, if there is a notification agreement in response to the notification agreement information check result (1105), the server checks the transmission period information included in the financial account information (1110).

If the transmission cycle is not reached in response to the transmission cycle information check result (1115), the process for notifying the transaction history is terminated.

On the other hand, when the transmission cycle is reached in response to the transmission cycle information check result (1115), the server checks whether the transaction history for the financial account (1120).

If there is no transaction in response to the result of checking whether the transaction is present (1125), the process for notifying the transaction details ends.

On the other hand, if there is a transaction in response to the transaction history check result (1125), the server generates a SWIFT message corresponding to the transaction history for notification of the transaction history (1130), and the generated SWIFT message is foreign Transfer to the financial system of a financial institution (1135).

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

In addition, the SWIFT full text may further include a case in which information is provided from a foreign financial institution to a domestic financial institution in addition to providing information from the domestic financial institution to a foreign financial institution.

According to the present invention, when the head office is located in a foreign country and there is a branch office in Korea, the funds execution details such as transfer of funds or settlement of funds in the domestic branch will be directly communicated with the financial institution through the SWIFT network, so that more convenient funds It is possible to check the execution history.

In addition, since it is convenient to check directly at the foreign headquarters, there is an advantage that can be accurate in the company's fund execution, operation process.

Claims (4)

In the financial account opening means, the financial account opening application information including the consent information of the foreign financial institution notification of the domestic transaction of the customer's domestic transaction, the foreign financial institution to which the notification is made, and the transaction history transmission cycle information Opening a corresponding financial account; Storing the opened financial account information, the customer information, and the financial account opening request information in a predetermined information storage means in a predetermined storage medium; When a predetermined transaction history of the financial account is confirmed by a predetermined information confirming means, agreement information on notification of a foreign financial institution of the domestic transaction of the customer stored in the storage medium, information on a foreign financial institution to be notified, and transaction history are transmitted. Checking period information; Generating a SWIFT full message including the transaction history in response to the identified notification target foreign financial institution information and transaction history transmission period information in a predetermined full text generation means; And And transmitting the generated SWIFT telegram to a foreign financial institution subject to notification of transaction details in a predetermined telegram transmission means. The method of claim 1, wherein the transaction history transmission period, Overseas provision method of the domestic transaction history, characterized in that the transaction history immediately or periodically. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1 or 2. Opening a financial account for a given customer corresponding to the application information for opening a financial account including information on consent to the foreign financial institution notification of the domestic transaction of the customer, information on the foreign financial institution to be notified, and transaction history transmission cycle information. Means for opening a financial account; Information storage means for linking the opened financial account information, the customer information, and the application for opening the financial account to store in a predetermined storage medium; When a predetermined transaction history of the financial account is confirmed, information on consent for notification of a foreign financial institution of the domestic transaction of the customer stored in the storage medium, information on a foreign financial institution to be informed, and transaction history transmission cycle information Identification means; A message generation means for generating a SWIFT message including the transaction history in response to the confirmed notification foreign financial institution information and transaction history transmission cycle information; And And a specialized transmission means for transmitting the generated SWIFT telegram to a foreign financial institution subject to the transaction details notification.

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