KR20090009365A - System and method for managing trade transaction package goods and program recording medium - Google Patents

Abstract

A trade service package product operation method, a system and a recording medium thereof are provided to enable a trade transactional customer to confirm a trade transactional service easily according to trade transactional details and to select a trade service suitable for predicted expenses. An information confirmer(705) confirms trade transactional usage target service information and trade transactional predictive cost information corresponding to trade transactional company customer information. A package configuration unit(710) configures a packet product consisting of at least two trade transactional services. An interface provider provides packet product information and an interface for selecting or inputting the package product.

Description

System and Method for Managing Trade Transaction Package Goods and Program Recording Medium}

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

5 is a diagram illustrating a process of registering trade transaction condition information in a non-face-to-face manner for using a trade transaction service package product according to one embodiment of the present invention.

6A and 6B illustrate a process of registering trade transaction condition information for using a trade transaction service package product according to another exemplary embodiment of the present invention.

7 is a diagram illustrating an information processing system for constructing and providing a trade transaction service package product according to one embodiment of the present invention.

8 is a diagram illustrating a process of configuring and providing a trade transaction service package product according to one embodiment of the present invention.

9A and 9B illustrate a process of constructing and providing a trade transaction service package product according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a trade transaction enterprise customer budget cost and use service input interface for configuring a trade transaction service package product according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a budget cost and a service input interface of a trading company customer according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

700: information processing server 705: information confirmation unit

710: product (package) component 715: interface

720: interface providing unit 725: information receiving unit

730: information storage unit 735: storage medium

The present invention provides information registration means for storing and registering trade transaction condition information including trade estimated cost information of a trade trade enterprise customer provided from a trade transaction enterprise customer terminal and service information to be used in a trade transaction in a storage medium, and the storage medium. Means for confirming the information on the estimated cost of the trade transaction and the service information to be used for the trade transaction corresponding to the information on the trade transaction enterprise customer stored in the information and the estimated cost information on the trade transaction and the service information to be used for the trade transaction. A trade transaction service package product operating system comprising a package constructing means for constituting a package product comprising at least two corresponding trade transaction services.

Trade transactions may require a variety of services, such as insurance services, shipping services, transportation services, etc. Customers who are new to trade trading should look for acquaintances or the Internet to find out which service provider to choose. It's not easy.

In addition, finding a service that meets the expected cost of a trade transaction service was not an easy task.

An object of the present invention for solving the above problems, the storage medium of the trade transaction conditions, including the information on the estimated cost of the trade transaction, the trade transaction use service information provided from the trade transaction enterprise customer terminal in the information registration means Storing and registering the information, and confirming the trade transaction estimated cost information corresponding to the trade transaction enterprise customer information stored in the storage medium in the information checking means and the service information to be used for the trade transaction; The present invention provides a method for operating a trade transaction service package product, comprising the step of constructing a package product comprising at least two trade transaction services corresponding to trade transaction anticipated cost information and trade transaction target service information.

The trade transaction service package product management system according to the present invention stores trade transaction condition information including trade transaction estimated cost information of a trade transaction enterprise customer provided from a trade transaction enterprise customer terminal, and trade transaction use target service information in a storage medium, Information registration means for registering information, means for confirming trade transaction estimated cost information corresponding to trade transaction corporate customer information stored in the storage medium and service information subject to trade transaction use, and trade transaction prediction for the identified trade transaction enterprise customer And package construction means constituting a package product comprising at least two trade transaction services corresponding to the cost information and the trade transaction target service information.

According to the present invention, the trade transaction service package product management system further comprises an interface providing means for providing an interface capable of selecting (or inputting) the configured package product information and the package product to the trade transaction enterprise customer terminal. It is characterized by comprising.

On the other hand, the trade transaction service package product operating method according to the present invention, the trade transaction condition information including the trade transaction estimated cost information of the trade transaction enterprise customer provided from the trade transaction enterprise customer terminal in the information registration means, the target service information Storing and registering the information in a storage medium, and verifying the estimated cost information and trade transaction target service information corresponding to the trade transaction corporate customer information stored in the storage medium in the information checking means and the package configuration means. And configuring a package product including at least two trade transaction services corresponding to the identified trade transaction cost information and the trade transaction target service information.

According to the present invention, the trade transaction service package product operating method is to transmit the trade transaction corporate customer information to each insurance company, shipping company, carrier, etc. that make up the package product input (or selected) by the trade transaction enterprise customer Characterized in that it further comprises the information transmission step.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described trade transaction service package product operating method.

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

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

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

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

1 is a diagram illustrating a trade transaction condition information registration system for using a trade transaction service package product according to one embodiment of the present invention.

In more detail, Figure 1 is a trade transaction enterprise customer through the predetermined information registration interface for the use of the trade transaction service package products to the trade transaction enterprise customer information, trade transaction estimated cost information, trade transaction target service information And providing trade transaction condition information including at least one of the above information, the information registration system links and processes the trade transaction enterprise customer information, trade transaction estimated cost information, and trade transaction target service information included in the provided trade transaction condition information. As a system configuration for storing in a predetermined storage medium 130, those skilled in the art to which the present invention pertains, information for using a trade transaction service package product by referring to or modifying the drawing 1 It would be possible to infer various implementation methods for the registration system configuration. The name includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the trade transaction condition information provided from the trade transaction enterprise customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for using a trade transaction service package product includes a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer. Characterized in that it comprises at least one information registration terminal, wherein the information registration terminal is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the trade transaction enterprise customer is connected to the information registration server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) trade transaction condition information for using the trade transaction service package product through at least one user interface provided by the information registration server 100, through the predetermined network means in the client terminal. It is preferable to transmit to the information registration server 100 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 100 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the information registration server 100. Alternatively, the wireless communication network performs a function of an information registration interface for registering the trade transaction condition information for the trade transaction enterprise customer to use the trade transaction service package product.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server 100. The financial network that connects the trade transaction enterprise customer performs a function of an information registration interface for registering trade transaction condition information for the use of the trade transaction service package products, or the information registration terminal is the call terminal (not shown) ), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 to allow the trade transaction enterprise customer to use the trade transaction service package product. Performing the function of an information registration interface for registering trade transaction condition information for In the case of a terminal (or server) (not shown) provided in an institution affiliated with the agency, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 100 The connecting network performs a function of an information registration interface for registering the trade transaction condition information for the trade transaction enterprise customer to use the trade transaction service package product.

The storage medium 130 provided on the information registration system according to the present invention includes the trade transaction company customer information, trade transaction estimated cost information, and trade transaction target included in the trade transaction condition information provided from the information registration terminal. Characterized in that the service information is stored in a predetermined storage medium 130, the trade transaction company customer information, trade transaction estimated cost information, trade transaction use target service information stored in the storage medium (130) Trade transaction condition information including one or more is used for using the trade transaction service package products.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction estimated cost information may include information on an expected amount of a trade transaction expenditure (eg, a budget established for a trade transaction) of the trade customer.

The trade transaction object service information may include service information (or service provider information) such as shipping, shipping, insurance, etc. to be used when the trade transaction enterprise customer performs the trade transaction.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 100 is the TV banking system Is a predetermined TV banking server provided on the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

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

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a 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 the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP 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 information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 105 implements 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. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction condition information from the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving predetermined trade transaction condition information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received trade transaction condition information. The information stored in the predetermined storage medium 130 by interworking the included trade transaction customer information, trade transaction estimated cost information, trade transaction target service information Characterized in that formed by a storage section 125.

The interface providing unit 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction condition information to the information registration server 100 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. And the user interface generated (or extracted) in connection with 105 to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction condition information including at least one of the trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction target service information based on the user interface. The input (or selected) trade transaction condition information is transmitted to the information registration server 100 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 110 is connected to the wired terminal (or two-way digital TV). 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 wired terminal (or interactive digital TV) through the interface unit 105.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the trade transaction condition information to the information registration terminal and transmitting the trade transaction condition information to the information registration server 100 through the network means. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 inputs (or selects) trade transaction condition information including at least one trade transaction enterprise customer information, trade transaction estimated cost information, and trade transaction target service information through the user interface at the information registration terminal. When the data is transmitted through the network means, the trade transaction condition information is received in connection with the interface unit 105, and the received trade transaction condition information is provided to the validity confirming unit 120. .

The validity confirming unit 120 checks whether the trade transaction condition information received from the information registration terminal satisfies the validity for using the trade transaction service package product.

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

For example, the validity of the trade transaction condition information is matched with the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether or not.

In addition, the validity of the trade transaction condition information is the trade transaction corporate customer account ledger stored in the ledger D / B on the financial system associated with the information registration system of the trade transaction corporate customer account information included in the trade transaction condition information It is desirable to include checking that the match with.

When the validity of the trade transaction condition information is confirmed, the information storage unit 125 processes the trade transaction company customer information, trade transaction estimated cost information, and trade transaction target service information included in the trade transaction condition information. The storage medium 130 is characterized in that, when the storage medium 130 is provided in the information registration server 100, or provided on the network associated with the information registration server 100, The information storage unit 125 preferably processes and stores the trade transaction company customer information, trade transaction estimated cost information, and trade transaction target service information included in the received trade transaction condition information in the storage medium 130. And, if the storage medium 130 is provided in a DBMS provided on the financial system, the information storage unit 125 is a trade transaction corporate customer included in the received trade transaction condition information It is preferable to provide information, trade transaction estimated cost information, and trade transaction use target service information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

2 is a view showing the configuration of the trade transaction conditions stored in the ledger D / B provided in the DBMS on the financial system for using the trade transaction service package products according to an embodiment of the present invention.

In more detail, in FIG. 2, when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the trade transaction corporate customer information is included in the ledger information provided in the ledger D / B. , Showing a configuration of information on an implementation method for storing trade transaction condition information including trade transaction estimated cost information and trade transaction target service information, and a person having ordinary knowledge in the technical field to which the present invention belongs, Although various information construction methods for storing the trade condition information in the ledger D / B may be inferred by referring to or modifying the drawing 2, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined trade transaction corporate customer ledger, and the account associated with the trade transaction corporate 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 The ledger D / B provided in the at least one ledger (eg, loan ledger, mortgage ledger, ...) or the like for maintaining and managing the ledgers in addition to the trade transaction corporate customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical details will be understood. For a detailed description thereof will be omitted for convenience.

The trade transaction enterprise customer ledger includes CIF (Customer Information File) number, country code, contact person ID, branch number, trade transaction enterprise customer classification, trade transaction enterprise customer name, trade transaction enterprise customer address, regional classification code, telephone number, business place. No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security 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 trade-trade enterprise customer ledger includes ledger information for a trade-trade enterprise customer including at least one of a personal trade company customer, a corporate trade company customer, and a minor.

Those of ordinary skill in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the trade transaction company customer ledger, so the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked with the trade transaction enterprise customer ledger, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, amount of time extension, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, or the account source. Include at least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank line, summary, CIF, etc. Including transaction history information.

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

Referring to FIG. 2, the trade transaction condition information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the trade transaction condition information is a trade transaction enterprise customer. And at least one information, a trade transaction estimated cost information, and a trade transaction target service information.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction estimated cost information may include information on an expected amount of a trade transaction expenditure (eg, a budget established for a trade transaction) of the trade customer.

The trade transaction object service information may include service information (or service provider information) such as shipping, shipping, insurance, etc. to be used when the trade transaction enterprise customer performs the trade transaction.

According to another exemplary embodiment of the present invention, the trade transaction condition information is stored in the form of information included in the account ledger (not shown), or in a ledger other than the account ledger (for example, a trade transaction corporate customer ledger). It can be stored in the form of additional information to be added, or in the form of information contained in other ledgers other than the account ledger (for example, a trade transaction enterprise customer ledger), thereby the present invention is not limited.

3 is a view showing the configuration of the trade transaction conditions stored in the database associated with the ledger D / B provided in the DBMS on the financial system for using the trade transaction service package product according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates an information structure of an embodiment in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B provided in the DBMS on the financial system. As one having ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the trade transaction condition information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 3 It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the trade transaction condition information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the trade transaction condition information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

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

Referring to Figure 3, the database is characterized in that the trade transaction company customer information, trade transaction estimated cost information, the trade transaction target service information included in the trade transaction condition information stored in a linked process, the trade transaction conditions Preferably, the information further includes a CIF number corresponding to the ledger information in the trade transaction condition information so as to be linked to the ledger D / B.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction estimated cost information may include information on an expected amount of a trade transaction expenditure (eg, a budget established for a trade transaction) of the trade customer.

The trade transaction object service information may include service information (or service provider information) such as shipping, shipping, insurance, etc. to be used when the trade transaction enterprise customer performs the trade transaction.

4 is a diagram illustrating the configuration of trade transaction condition information stored in a DBMS provided in a banking server for using a trade transaction service package product according to another embodiment of the present invention.

In more detail, FIG. 4 shows a DBMS in which the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, a trade transaction stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 4 It is possible to infer a method of constructing information on condition information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores the trade transaction company customer information, trade transaction estimated cost information, and trade transaction target service information included in the trade transaction condition information. It features.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction estimated cost information may include information on an expected amount of a trade transaction expenditure (eg, a budget established for a trade transaction) of the trade customer.

The trade transaction object service information may include service information (or service provider information) such as shipping, shipping, insurance, etc. to be used when the trade transaction enterprise customer performs the trade transaction.

5 is a diagram illustrating a process of registering trade transaction condition information in a non-face-to-face manner for using a trade transaction service package product according to one embodiment of the present invention.

In more detail, FIG. 5 illustrates a case where the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 and connecting a communication channel for registering trade transaction condition information for using the trade transaction service package product according to the present invention, the trade to the information registration server 100 through the communication channel When the trade transaction condition information including transaction company customer information, trade transaction estimated cost information, and trade transaction service information is transmitted, the trade transaction included in the received trade transaction condition information is received by the information registration server 100. Enterprise customer information, trade transaction estimated cost information, trade transaction use service information is processed in association with the storage medium 130 to be stored Refers to an implementation method, and a person having ordinary knowledge in the art to which the present invention pertains registers the trade transaction condition information from the client terminal to the information registration server 100 by referring to or modifying FIG. 5. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction use target service information transmitted to the server 100 are referred to as "trade transaction condition information" for convenience.

Referring to Figure 5, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction condition information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and the trade transaction condition information for using the trade transaction service package product. When requesting registration (500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction condition information (505), and generates (or extracts) through the communication channel. In step 510, the transmitted web page is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface inputs (or selects) trade transaction condition information including at least one of the trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction target service information. It is desirable to include a user interface).

In addition, the web page transmission or output process is preferably performed at least once according to the trade transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction condition information including at least one trade transaction corporate customer information, trade transaction anticipated cost information, and trade transaction use service information through the information registration interface (515).

If the terminal receives (or selects) trade transaction condition information including the trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction target service information through the information registration interface (520), the terminal In step 525, the inputted (or selected) trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction target service information are transmitted to the server through the communication channel.

According to the implementation method of the present invention, transmitting the input (or selected) trade transaction company customer information, trade transaction estimated cost information, trade transaction use service information to the server through the communication channel, the information registration interface The electronic device may further include electronically signing or encrypting the trade transaction condition information input (or selected) through the security module provided in the terminal and transmitting the same to the server.

Thereafter, the server receives and reads the trade transaction corporate customer information, trade transaction estimated cost information, and trade transaction use service information through the communication channel to check the validity of the trade transaction condition information (530).

According to an embodiment of the present invention, checking the validity of the trade transaction condition information may include decrypting the trade transaction condition information when the trade transaction condition information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or may further comprise decoding the trade transaction condition information.

According to an embodiment of the present invention, the validity of the trade transaction condition information is determined by whether at least one ledger information matching the trade transaction condition information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, the validity of the trade transaction condition information is matched with the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether or not.

In addition, the validity of the trade transaction condition information is the trade transaction corporate customer account ledger stored in the ledger D / B on the financial system associated with the information registration system of the trade transaction corporate customer account information included in the trade transaction condition information It is desirable to include checking that the match with.

If the validity of the trade transaction condition information is not authenticated (535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (540), corresponding to the trade transaction condition information. Do not perform the information registration procedure.

On the other hand, if the validity of the trade transaction condition information is authenticated (535), the server performs the information registration procedure corresponding to the trade transaction condition information, the trade transaction company customer information, trade transaction estimated cost information, trade transaction use The target service information is cooperatively processed and stored in the predetermined storage medium 130 (545).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (550), thereby completing the procedure of registering the trade transaction condition information transmitted from the terminal.

6A and 6B illustrate a process of registering trade transaction condition information for using a trade transaction service package product according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate a case in which the information registration system shown in FIG. 1 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a trade transaction corporate customer authentication procedure through the Internet, etc.), the client terminal transmits predetermined trade transaction condition information for using a trade transaction service package product to the Internet banking server. When the trade transaction condition information including transaction company customer information, trade transaction estimated cost information, and trade transaction use service information is transmitted, the trade transaction company included in the received trade transaction condition information in the information registration server 100. The customer information, the estimated cost of the trade transaction, and the service information to be used for the trade transaction are processed in advance. As an embodiment of the present invention for storing in the storage medium 130, those skilled in the art to which the present invention pertains, the information registration server 100 in the client terminal by referring to or modifying the drawings 6a and 6b. Various implementation methods for registering the trade transaction condition information may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 6A and 6B.

That is, in FIGS. 6A and 6B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer, etc.) provided in the client terminal, the client terminal and the Internet are based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering trade transaction condition information between banking servers is illustrated, those skilled in the art to which the present invention pertains are illustrated in FIGS. 6A and 6B. Internet banking base for registering trade transaction condition information between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using a browser program Financial trading channels It will be possible to infer a method of connecting, but the present invention includes the provided Internet banking-based financial transactions based on the Internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 6a and 6b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering trade transaction condition information may be inferred. However, the present invention provides the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 6A and 6B. Is never.

In the following Figures 6a and 6b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 100 is referred to as "server" for convenience.

6A and 6B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600a), the server communicates between the terminal and the server through the browser. 605a, wherein the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal, and the browser is provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 610a).

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

If a predetermined security module is mounted or updated in the terminal (615a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (625a), or if the terminal does not need to install or update the Internet banking security module (615a), the server is mounted on the terminal By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (630a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the trade transaction conditions information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined corresponding to the encryption method (or encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registering trade transaction condition information in the terminal. Or at least one encryption method (and Is encrypted with an encryption algorithm) and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking trade transaction enterprise customer authentication procedure through the browser program (635a).

According to an exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through Internet banking). ID / PW registered in the application process, or trade transaction company customer number, etc.) is input (or generated) and sent to the server, and the server accesses through the terminal based on the trade transaction company customer authentication data. It comprises the authentication of a transaction enterprise customer as an Internet banking trade transaction enterprise customer, wherein the trade transaction enterprise customer authentication data is preferably electronically signed or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through the Internet). ID / PW registered in the banking application process, or a trade transaction corporate customer number, etc.) is input (or generated) and transmitted to the authentication server, and the authentication server is accessed through the terminal based on the trade transaction corporate customer authentication data. And certifying a trade transaction enterprise customer as an internet banking trade transaction enterprise customer and providing the result to the server, wherein the trade transaction enterprise customer authentication data preferably includes certification-based authentication data. The server may be a server that authenticates the certificate-based authentication data. .

Thereafter, the terminal inputs (or generates) predetermined trade transaction corporate customer authentication data according to the request, and electronically signs or encrypts the data through the security module to transmit to the server (or certificate server). Requesting the customer authentication (640a), the server (or the authentication server) is based on the trade transaction enterprise customer authentication data received from the terminal through the non-face-to-channel channel-based financial transactions connected to the trading company customers through the terminal Certified as an internet banking trading business customer (645a).

If the Internet banking trade transaction enterprise customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the internet banking trade transaction enterprise customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the security channel for internet banking to the Internet banking-based financial transaction channel (660a), where An internet banking-based financial transaction channel refers to a communication channel for transmitting and registering predetermined trade transaction condition information for using a trade transaction service package product from the terminal to the server.

Subsequently, when the terminal requests internet banking-based trade transaction condition information registration to the server through the inter-banking-based financial transaction channel to register trade transaction condition information (600b), the server registers the trade transaction condition information. A web page corresponding to a predetermined information registration interface for generating (or extracting) a web page (605b) and transmitting the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel and outputting the same ( 610b).

According to an embodiment of the present invention, the information registration interface inputs (or selects) trade transaction condition information including at least one of trade transaction enterprise customer information, trade transaction estimated cost information, and trade transaction use service information. It is preferable to include an interface, or a predetermined password (for example, account password, etc.) to confirm the validity of the Internet banking trading business customers requesting registration of the trade transaction condition information or the trade transaction condition information. Or a security code (e.g., a security code printed on a security card issued to a trading business customer during an internet banking application) or an One Time Password (e.g., an internet banking application process (or after an internet banking application)) Through an OTP authenticator (or OTP certification program) It further comprises an interface for inputting the generated one-time password) is preferred.

In addition, the web page transmission or output process is preferably performed at least once according to the trade transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction condition information including at least one of the trade transaction enterprise customer information, trade transaction estimated cost information, and trade transaction use service information through the information registration interface (615b).

If the terminal receives (or selects) trade transaction condition information including the trade transaction enterprise customer information, trade transaction estimated cost information, and trade transaction target service information through the information registration interface (620b), the terminal The input (or selected) trade transaction condition information is transmitted to the server through the financial transaction channel (625b).

According to the exemplary embodiment of the present invention, transmitting the input (or selection) trade transaction condition information to the server through the financial transaction channel may include the trade transaction condition information input (or selection) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the trade transaction condition information through the financial transaction channel to check the validity of the trade transaction condition information (630b).

According to an embodiment of the present invention, checking the validity of the trade transaction condition information may include decrypting the trade transaction condition information when the trade transaction condition information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decoding the trade condition information.

In addition, the validity check of the trade transaction condition information, it is preferable to further comprise authenticating a password or security code or OTP included in the trade transaction condition information.

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

For example, the validity of the trade transaction condition information is matched with the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether or not.

In addition, the validity of the trade transaction condition information is the trade transaction corporate customer account ledger stored in the ledger D / B on the financial system associated with the information registration system of the trade transaction corporate customer account information included in the trade transaction condition information It is desirable to include checking that the match with.

If the validity of the trade transaction condition information is not authenticated (635b), the server generates a web page including predetermined trade transaction condition information registration error information and transmits it to the terminal (640b), and the trade transaction condition Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the trade transaction condition information is authenticated (635b), the server performs the information registration procedure corresponding to the trade transaction condition information, the trade transaction company customer information, trade transaction included in the trade transaction condition information The estimated cost information and the trade transaction target service information are interworked and stored in the predetermined storage medium 130 (645b).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined trade transaction condition information registration history information and transmits the generated web page to the terminal (650b), thereby completing the registration of trade transaction condition information transmitted from the terminal.

7 is a diagram illustrating an information processing system for constructing and providing a trade transaction service package product according to an embodiment of the present invention.

In more detail, Figure 7 provides a trade transaction enterprise customer provides trade transaction condition information for using a trade transaction service package product through the information registration system shown in Figure 1, and the provided trade transaction condition information is a predetermined storage medium ( And a system for configuring a trade transaction service package product suitable for the trade transaction enterprise customer based on the trade transaction estimated cost information and the trade transaction target service information included in the trade transaction condition information after being stored at 130). Those skilled in the art to which the present invention pertains may refer to or modify the drawings 7 and trade terms of a trade business enterprise customer stored in the storage medium 130 (or provided by the trade business enterprise customer). To infer various implementation methods for the system composition of trade transaction service package products corresponding to information. Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, at least one means or functional configuration for composing a trade transaction service package product corresponding to the trade transaction condition information provided from the trade enterprise customer through a predetermined information registration interface on the information processing system shown in FIG. The component corresponding to the " information processing server 700 "

Referring to FIG. 7 according to an embodiment of the present invention, the information processing system for using the trade transaction service package product includes a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer. And at least one information registration terminal, wherein the information registration terminal is connected to an information processing server 700 provided on the information processing system through a predetermined network means.

According to an embodiment of the present invention, the trade transaction enterprise customer is connected to the information processing server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) trade transaction condition information for using the trade transaction service package product through at least one user interface provided by the information processing server 700, the client terminal transmits It is preferable to transmit to the information processing server 700 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

The information processing server 700 connected to the client terminal may be one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information processing server 700 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information processing server 700, and inputs or selects at least one or more information through the user interface to transmit the information to the information processing server 700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information processing server 700, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the information processing server 700. Alternatively, the wireless communication network performs a function of an information registration interface for registering the trade transaction condition information for the trade transaction enterprise customer to use the trade transaction service package product.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information processing server 700 are provided. The financial network that connects the trade transaction enterprise customer performs a function of an information registration interface for registering trade transaction condition information for the use of the trade transaction service package products, or the information registration terminal is the call terminal (not shown) ), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information processing server 700 to allow the trade transaction enterprise customer to use the trade transaction service package product. Performing the function of an information registration interface for registering trade transaction condition information for In the case of a terminal (or server) (not shown) provided in an institution affiliated with the agency, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information processing server 700 The connecting network performs a function of an information registration interface for registering the trade transaction condition information for the trade transaction enterprise customer to configure the trade transaction service package product.

The storage medium 130 provided on the information registration system according to the present invention includes the trade transaction company customer information, trade transaction estimated cost information, and trade transaction target included in the trade transaction condition information provided from the information registration terminal. The service information is linked and stored in a predetermined storage medium 130, wherein the trade transaction company customer information, trade transaction estimated cost information, trade transaction use service information stored in the storage medium 130 Trade transaction condition information including at least one is used for composing the trade transaction service package product.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction estimated cost information may include information on an expected amount of a trade transaction expenditure (eg, a budget established for a trade transaction) of the trade customer.

The trade transaction object service information may include service information (or service provider information) such as shipping, shipping, insurance, etc. to be used when the trade transaction enterprise customer performs the trade transaction.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information processing server 700 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information processing server 700 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information processing server 700 is located on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information processing server 700 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information processing server 700 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

Referring to FIG. 7, the information processing server 700 includes an information checking unit 705 which identifies trade transaction estimated cost information and trade transaction target service information corresponding to trade transaction corporate customer information stored in the storage medium 130. And a package constituting unit configured to use at least one trade transaction service package product corresponding to the trade transaction estimated cost information and the trade target service information of the identified trade transaction enterprise customer using a plurality of trade transaction service products ( And 710).

The information checking unit 705 stores the trade transaction estimated cost information and the trade transaction use service information of the trading company customer through the information registration system shown in FIG. 1 and then stores the storage medium 130 in the storage medium 130. Confirming the trade transaction estimated cost information and the trade transaction use target service information corresponding to the trade transaction corporate customer stored in 130, wherein the trade transaction estimated cost information and the trade transaction of the identified trade transaction enterprise customer Provides the target service information to the package configuration unit 710.

The package configuration unit 710 is at least one insurance company, at least one shipping company, at least if the trade transaction estimated cost information and trade transaction use service information of the trading enterprise customer is confirmed through the information verification unit 705 Among the one or more carriers, characterized in that the package consisting of a combination of insurance companies, shipping companies, carriers, etc. suitable for the trade transaction cost information and trade transaction target service information of the customer.

According to an embodiment of the present invention, the information processing server 700 is characterized by comprising an interface unit 715 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 715 is based on a protocol stack defined in the wired communication network or a 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 the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 715 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP 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 information processing server 700, the interface unit 715 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 715 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 715 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information processing server 700, the interface unit 715 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 715 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 715 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 7, the information processing server 700 connects a communication channel with the information processing server 700 through the interface unit 715, and then connects the interface unit 715 with the interface unit 715. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the trade transaction corporate customer information and the package product information from the information registration terminal in association with the information registration terminal; 720 and an information receiving unit 725 for receiving the trade transaction enterprise customer information and the package product information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 715. And an information storage unit 125 for linking and processing the received trade transaction company customer information and package product information in a predetermined storage medium 130. It is characterized by the comparison.

The interface providing unit 720 connects a communication channel with the information processing server 700 through the interface unit 715 through the interface unit 715, and corresponds to the functional configuration provided in the information registration terminal. Create a predetermined user interface capable of inputting (or selecting) trade transaction corporate customer information and the package product information to the information processing server 700 via the network means, or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 715.

Thereafter, the information registration terminal inputs (or selects) package product information and the trade transaction corporate customer information configured in response to the trade transaction estimated cost information and the trade transaction target service information of the trade transaction corporate customer based on the user interface. And transmits the input (or selected) package product information and trade transaction corporate customer information to the information processing server 700 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 720 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 715.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 720 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 715.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 720 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 715. It is preferable.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the package product information and trade transaction corporate customer information to the information registration terminal and transmitting the information to the information processing server 700 through the network means. When a predetermined information registration program is provided, the interface providing unit 720 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 725, through the user interface at the information registration terminal, the package product information and the trade transaction corporate customer information configured in correspondence with the trade transaction estimated cost information of the trade transaction enterprise customer service information When the input (or selection) is transmitted through the network means, the package unit information and trade transaction corporate customer information is received in conjunction with the interface unit 715, and the received trade transaction enterprise customer information Provided to the validation unit.

The validity verification unit is characterized by checking whether the trade transaction corporate customer information received from the information registration terminal satisfies the validity for using the trade transaction service package products.

According to an embodiment of the present invention, the validity of the trade transaction corporate customer information is registered at least one or more ledger information matching the trade transaction corporate customer information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether it is done.

For example, the validation of the trade transaction corporate customer information includes checking whether the trade transaction corporate customer information matches the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable.

When the validity of the trade transaction enterprise customer information is confirmed, the information storage unit 125 is characterized in that the trade transaction enterprise customer information and the package product information is processed in association with the storage medium 130, When the storage medium 130 is provided in the information processing server 700 or on the network associated with the information processing server 700, the information storage unit 125 is the received trade transaction enterprise customer It is preferable to store the information and package product information in association with the storage medium 130. When the storage medium 130 is provided in a DBMS provided on a financial system, the information storage unit 125 is It is preferable to provide the received trade transaction corporate customer information and package product information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

Referring to FIG. 7, the information processing server 700 transmits the trade transaction corporate customer information to each insurance company, shipping company, carrier, etc. constituting a package product input (or selected) by the trade transaction corporate customer. It features.

8 is a diagram illustrating a process of constructing and providing a trade transaction service package product according to an embodiment of the present invention.

In more detail, FIG. 8 shows a trade transaction company customer providing trade transaction condition information for using a trade transaction service package product through the information registration system shown in FIG. 1, and the provided trade transaction condition information includes a predetermined storage medium ( 130, the trade transaction service suitable for the trade transaction enterprise customer based on the estimated cost information of the trade transaction included in the trade transaction condition information and the service target service information included in the trade transaction condition information through the information processing system shown in FIG. A process of constructing a packaged product and providing the configured packaged product information to the trade-trade enterprise customer, and having ordinary knowledge in the technical field to which the present invention pertains, will refer to or modify the drawing 8 to store the packaged product. Trade transaction provision of a trade transaction enterprise customer stored in the medium 130 (or provided by the trade transaction enterprise customer) Various implementation methods for the process of constructing a trade transaction service package product corresponding to the information and providing the configured package product information to the trade transaction enterprise customer may be inferred. It is not limited to the implementation method shown in FIG.

In particular, FIG. 8 is for the case where the information processing server 700 on the information processing system shown in FIG. 7 has a web server function to which a client terminal can be connected via a predetermined network means.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 will be referred to as "terminal" for convenience, and the information processing server 700 shown in FIG. 7 will be referred to as "server" for convenience.

Referring to Figure 8, through the information registration system shown in Figure 1, the trade transaction condition information including the trade transaction estimated cost information, the trade transaction target service information for using the trade transaction service package products of the trading enterprise customers After being stored and registered in the storage medium 130, the server checks the estimated transaction cost information of the trade transaction enterprise customer stored in the storage medium 130 and service information for using the trade transaction (800).

When the trade transaction estimated cost information of the trade transaction enterprise customer, the service information to use the trade transaction is confirmed, the server from the predetermined trade transaction product D / B 130, the trade transaction estimated cost information of the identified trade transaction enterprise customer In operation 805, at least one trade transaction service product corresponding to the trade transaction target service information is extracted.

When the at least one trade transaction service product corresponding to the trade transaction estimated cost information and the trade transaction target service information of the trade transaction enterprise customer is extracted (or confirmed), the server extracts the trade transaction service product (or confirmed). Combining the two to configure a package product according to the trade transaction estimated cost information, the trade transaction target service information of the trading customer (810).

According to an exemplary embodiment of the present invention, the server may be configured to include at least one insurance company, at least one shipping company, and at least one transport company if the trade transaction estimated cost information and trade transaction use service information of the trade transaction enterprise customer are identified. Trade Commodity Combination of insurance companies, shipping companies, carriers, etc. suitable for the estimated cost information of the trade transaction and the target service information of the trade transaction is characterized by consisting of packaged products.

Thereafter, the trade transaction corporate customer accesses the server through the client terminal shown in FIG. 7, connects a predetermined communication channel for the selection (or input) of the packaged product, and trades the trade for the packaged product selection. Upon request (or input) of enterprise customer information and package product information (815), the server selects (or inputs) a predetermined information selection (or input) interface for the trade transaction enterprise customer information and package product information selection (or input). In operation 825, the webpage corresponding to the webpage is generated (or extracted), and the webpage is generated (or extracted) through the communication channel to the terminal.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the trade transaction company customer information and package product information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the package product information transmission and selection procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction corporate customer information and package product information through the information registration interface (830).

If the trade transaction enterprise customer information and package product information are input (or selected) through the information registration interface, the terminal receives the trade transaction enterprise customer information and package through the communication channel. The product information is transmitted to the server (835).

According to an embodiment of the present invention, the transmission (or selection) of the trade transaction corporate customer information and the package product information to the server may be input (or selected) through the information input (or selection) interface. The method may further include transmitting the electronic signature or the encryption to the server through the security module provided in the terminal.

Thereafter, the server receives and reads the trade transaction corporate customer information and package product information through the communication channel to check the validity of the trade transaction corporate customer information and package product information (840).

According to an embodiment of the present invention, the validity of the trade transaction corporate customer information and package product information may be determined by electronic signature or encryption through the security module provided in the terminal. If so, it may further comprise decoding the trade transaction corporate customer information and package product information, or decoding the trade transaction corporate customer information and package product information.

According to an embodiment of the present invention, the validity of the trade transaction corporate customer information is registered at least one or more ledger information matching the trade transaction corporate customer information in the ledger D / B on the financial system associated with the information processing system It is preferable to include checking whether it is done.

For example, the validation of the trade transaction corporate customer information includes checking whether the trade transaction corporate customer information matches the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information processing system. It is preferable.

In addition, the validity of the trade transaction condition information is the trade transaction corporate customer account ledger stored in the ledger D / B on the financial system associated with the information registration system of the trade transaction corporate customer account information included in the trade transaction condition information It is desirable to include checking that the match with.

If the validity of the trade transaction corporate customer information is not authenticated (845), the server generates a web page including a predetermined information input (or selection) error information and transmits it to the terminal (850), and the trade Do not perform the information registration procedure corresponding to the transaction condition information.

On the other hand, if the validity of the trade condition information is authenticated (845), the server processes the trade transaction company customer information and package product information in association with the predetermined storage medium 130 and stores (855).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information processing system (or associated with the information processing system), wherein the storage The medium 130 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information processing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The server transmits the trade transaction corporate customer information to respective insurers, shipping companies, and transport companies constituting the package product input (or selected) by the trade transaction corporate customer (860), and the package product registration history information. By generating a web page including the transmission to the terminal (865), and completes the procedure for registering the package product information transmitted from the terminal.

9A and 9B illustrate a process of configuring and providing a trade transaction service package product according to another exemplary embodiment of the present invention.

In more detail, Figures 9a and 9b show that the trade trading enterprise customer provides the trade transaction condition information for using the trade transaction service package product through the information registration system shown in Figure 1, and the provided trade transaction condition information is predetermined. After the data is stored in the storage medium 130, the information processing system shown in FIG. 7 is suitable for the trade transaction enterprise customer based on the estimated trade transaction cost information and the trade target service information included in the trade transaction condition information. As a process of constructing a trade transaction service package product and providing the configured package product information to the trade transaction enterprise customer, those skilled in the art to which the present invention pertains may refer to or modify this drawing. Of the trade transaction enterprise customer stored in the storage medium 130 (or provided by the trade transaction enterprise customer) Various implementation methods for a process of constructing a trade transaction service package product corresponding to the transaction condition information and providing the configured package product information to the trade transaction enterprise customer may be inferred. It includes a method, and is not limited to the implementation method shown in FIG.

In particular, FIGS. 9A and 9B illustrate that when the information processing system illustrated in FIG. 7 is realized through an internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, And accessing the Internet banking server through the Internet, and performing a trade transaction corporate customer authentication procedure.

That is, the predetermined browser provided in the client terminal in FIGS. 9A and 9B

Internet banking for package product information and trade transaction corporate customer information registration between the client terminal and the Internet banking server based on the browser program when accessing the Internet banking server through a Jersey program (e.g., Microsoft Internet Explorer) Although an implementation method of connecting the based financial transaction channels is illustrated, those of ordinary skill in the art to which the present invention pertains may use the Internet banking based financial transaction channel connection method using the browser programs shown in FIGS. 9A and 9B. A method of connecting an internet banking-based financial transaction channel for registering package product information and trade transaction corporate customer information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying the information. To Would be chuhal, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a and 9b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering trade transaction condition information may be inferred. Or all kinds of non-face-to-face channel based financial transactions, including TV banking systems or future proposed non-face-to-face banking systems, the technical configuration of the present invention being limited to the case of the Internet banking shown in FIGS. 9A and 9B. It never happens.

In the following Figures 9a and 9b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information processing server 700 is referred to as " server "

9A and 9B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server communicates between the terminal and the server through the browser. (905a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on 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 on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 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 or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (915a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (930a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the trade transaction conditions information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another 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) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel to decode the information (or data) by means of a decryption method (or a decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of trade transaction condition information in the terminal. Attach a signature or at least one encryption method (and Is encrypted with an encryption algorithm) and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking trade transaction enterprise customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through Internet banking). ID / PW registered in the application process or trade transaction corporate customer number, etc.) is input (or generated) and sent to the server, and the trade transaction accessed through the terminal based on the trade transaction corporate customer authentication data from the server. It comprises the authentication of a corporate customer as an Internet banking trade transaction enterprise customer, wherein the trade transaction enterprise customer authentication data is preferably transmitted electronically signed or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through the Internet). ID / PW registered in the banking application process, or a trade transaction corporate customer number, etc.) is input (or generated) and transmitted to the authentication server, and the authentication server is accessed through the terminal based on the trade transaction corporate customer authentication data. And certifying a trade transaction enterprise customer as an internet banking trade transaction enterprise customer and providing the result to the server, wherein the trade transaction enterprise customer authentication data preferably includes certification-based authentication data. The server may be a server that authenticates the certificate-based authentication data. .

Thereafter, the terminal inputs (or generates) predetermined trade transaction corporate customer authentication data according to the request, and electronically signs or encrypts the data through the security module and transmits the data to the server (or certificate server). The request for authentication (940a), the server (or authentication server) is based on the trade transaction enterprise customer authentication data received from the terminal for the non-face-to-face channel-based financial transactions for trading business customers connected through the terminal Certified as an internet banking trading business customer (945a).

If the Internet banking trade transaction corporate 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 trade transaction enterprise customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the security channel for internet banking to the Internet banking-based financial transaction channel (960a), where An internet banking-based financial transaction channel refers to a communication channel for registering and registering package product information for using a trade transaction package product from the terminal to the server.

Referring to Figure 9b, through the information registration system shown in Figure 1, the trade transaction conditions information including the trade transaction estimated cost information, the trade transaction target service information for using the trade transaction service package products of the trading enterprise customers After being stored and registered in the storage medium 130, the server checks the estimated trade transaction cost information and the trade transaction target service information of the trade transaction enterprise customer stored in the storage medium 130 (900b).

When the trade transaction estimated cost information of the trade transaction enterprise customer, the service information to use the trade transaction is confirmed, the server from the predetermined trade transaction product D / B 130, the trade transaction estimated cost information of the identified trade transaction enterprise customer In operation 905b, at least one trade transaction service product corresponding to the trade transaction target service information is extracted.

When the at least one trade transaction service product corresponding to the trade transaction estimated cost information and the trade transaction target service information of the trade transaction enterprise customer is extracted (or confirmed), the server extracts the trade transaction service product (or confirmed). Combining the two to form a package product according to the trade transaction estimated cost information, the trade transaction target service information of the trading customer (910b).

According to an exemplary embodiment of the present invention, the server may be configured to include at least one insurance company, at least one shipping company, and at least one transport company if the trade transaction estimated cost information and trade transaction use service information of the trade transaction enterprise customer are identified. Trade Commodity Combining insurance companies, shipping companies, carriers, etc. suitable for the estimated cost information of the trade transaction and the service information targeted for the trade transaction is composed of packaged products.

Subsequently, when the server requests registration of packaged product information based on the Internet banking through the internet banking based financial transaction channel (915b), the server displays a web page corresponding to a predetermined information registration interface for registering the packaged product information. It generates (or extracts) (920b), and transmits the generated (or extracted) web page to the terminal and outputs through the Internet banking-based financial transaction channel (925b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) package product information configured in response to the trade transaction estimated cost information and the trade transaction target service information of the trade enterprise company customer. Preferably, or a predetermined password (eg, account password, etc.) or security code (for example, to verify the validity of the Internet banking trade transaction customers requesting registration of the package product information or the package product information). , A security code printed on a security card issued to a trading business customer during an internet banking application process, or an One Time Password (eg, an internet banking application process (or after an internet banking application)). Work generated by the provided OTP authenticator (or OTP authenticator) It further comprises an interface for inputting a password for) is preferred.

In addition, the web page transmission or output process is preferably performed at least once according to the trade transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) package product information corresponding to the trade transaction estimated cost information and the trade transaction use service information of the trade enterprise company through the information registration interface (930b).

If the terminal receives (or selects) package product information configured corresponding to the trade transaction estimated cost information and the trade transaction use service information of the trade enterprise company through the information registration interface, the terminal transfers the financial transaction channel. In step 935b, the inputted (or selected) package product information is transmitted to the server.

According to an embodiment of the present invention, transmitting the package product information input (or selected) through the financial transaction channel to the server may include the package product information input (or selected) through the information registration interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server processes the package product information received through the financial transaction channel in association with the trade transaction enterprise customer information and stores the package product information in the storage medium 130 (940b).

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

For example, the validity of the trade transaction condition information is matched with the trade transaction corporate customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether or not.

In addition, the validity of the trade transaction condition information is the trade transaction corporate customer account ledger stored in the ledger D / B on the financial system associated with the information registration system of the trade transaction corporate customer account information included in the trade transaction condition information It is desirable to include checking that the match with.

If the validity of the trade transaction condition information is not authenticated (935b), the server generates a web page including predetermined trade transaction condition information registration error information and transmits it to the terminal (940b), and the trade transaction condition Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the trade transaction condition information is authenticated (935b), the server performs the information registration procedure corresponding to the trade transaction condition information, the trade transaction corporate customer information, trade transaction included in the trade transaction condition information The estimated cost information and the trade transaction use service information are processed in association with each other and stored in the predetermined storage medium 130 (945b).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information processing system (or associated with the information processing system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information processing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

In addition, the server transmits the trade transaction enterprise customer information to each insurance company, shipping company, transport company constituting the package product input (or selected) by the trade transaction enterprise customer (950b), the package product registration history information By generating a web page including the transmission to the terminal (955b), and completes the procedure for registering the package product information transmitted from the terminal.

10 is a diagram illustrating a trade transaction enterprise customer budget cost and use service input interface for configuring a trade transaction service package product according to an embodiment of the present invention.

In more detail, FIG. 10 is a trade transaction enterprise customer using the information registration system shown in FIG. 1, predetermined information for providing trade transaction estimated cost information and trade transaction target service information for using the trade transaction service package product. As a view showing a registration interface screen, those skilled in the art to which the present invention pertains, the trade cost estimated cost information, trade transaction use target for the trade transaction service package product by referring to or modifying this drawing 10 Various implementation methods for the service information input interface configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, in order to use a trade transaction service package product according to the present invention, a trade transaction enterprise customer connected through internet banking inputs trade transaction estimated cost information and trade transaction target service information of the trade transaction enterprise customer. An illustration of an interface for (or selection).

11 is a diagram illustrating a budget cost and a service input interface of a trading company customer according to an exemplary embodiment of the present invention.

In more detail, in FIG. 11, a trade transaction enterprise customer provides trade transaction condition information for using a trade transaction service package product through the information registration system shown in FIG. 1, and the provided trade transaction condition information is stored in a predetermined storage medium. After being stored, the interface screen provides a trade transaction service package product suitable for the trade transaction enterprise customer based on the trade transaction estimated cost information and trade transaction target service information included in the trade transaction condition information. Those skilled in the art to which the invention belongs, the trade transaction enterprise customer on the basis of the trade transaction estimated cost information, trade transaction use target service information included in the trade transaction condition information by referring to or modifying this figure 11 Various interface configurations to provide suitable trading services package products One implementation method may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, the packaged product is configured on the basis of the trade transaction estimated cost information of the trading company customer, the service information subject to the trade transaction, and the packaged product includes shipping service, insurance service, transportation service, and the like. Included.

By providing a trade transaction service package product according to the present invention, a trade transaction customer has an advantage of easily identifying a trade transaction service that can be provided in response to a trade transaction history (or status).

In addition, the customer has the advantage that the trade transaction services can be selected according to the cost of their own trade transaction services can be scaled trade.

Claims (5)

Information registration means for storing and registering trade transaction condition information, including trade transaction estimated cost information and trade transaction target service information, provided from a trade transaction enterprise customer terminal; Information checking means for identifying trade transaction estimated cost information and trade transaction use target service information corresponding to the trade transaction corporate customer information stored in the storage medium; And A package constituting means constituting a package product comprising at least two trade transaction services corresponding to the identified trade transaction cost information and the trade transaction target service information of the identified trade transaction enterprise customer; Service Package Product Management System. The method of claim 1, The trade transaction service package product operating system, characterized in that further comprising an interface providing means for providing an interface capable of selecting (or input) the packaged product information and the packaged product to the trading enterprise customer terminal. Storing and registering the trade transaction condition information including the trade transaction estimated cost information and the trade transaction target service information provided by the trade transaction enterprise customer terminal in the information registration means; Confirming, by the information checking means, trade transaction estimated cost information corresponding to the trade transaction corporate customer information stored in the storage medium and trade transaction use target service information; And And constructing a package product including at least two trade transaction services corresponding to the identified trade transaction cost information and trade transaction use target service information of the identified trade transaction enterprise customer in a package configuration means. How to trade a trade service package product. The method of claim 3, wherein And a data transmission step of transmitting the trade transaction corporate customer information to each insurance company, shipping company, and transport company constituting a package product input (or selected) by the trade transaction corporate customer. How to operate a packaged product. A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.

Images