KR20090018751A

KR20090018751A - System for supporting financial transaction using graphic user interface and program recording medium

Info

Publication number: KR20090018751A
Application number: KR1020070083098A
Authority: KR
Inventors: 김기정
Original assignee: 주식회사 신한은행
Priority date: 2007-08-18
Filing date: 2007-08-18
Publication date: 2009-02-23

Abstract

A financial transaction process support system using a GUI(Graphic User Interface) for simply and conveniently processing non-facial financial transaction, and a program recording medium thereof are provided to included a communication server for processing financial transaction corresponding to financial transaction information. A first output function outputs a GUI for selecting a transaction kind corresponding to an Internet bank function, which is frequently used by a customer, to a predetermined area of OS(Operating System) wallpaper of a customer terminal. A second output function outputs the GUI to a predetermined area of the OS wallpaper. A third function outputs the GUI to a predetermined area of the OS wallpaper.

Description

System for Supporting Financial Transaction using Graphic User Interface and Program Recording Medium}

1 is a diagram illustrating a banking system configuration for providing a non-face-to-face financial transaction through a graphical user interface program according to an embodiment of the present invention.

2 is a diagram illustrating a program providing system for mounting a banking GUI program for a non-face-to-face financial transaction in a customer terminal according to an embodiment of the present invention.

3A and 3B illustrate a process of downloading and remotely mounting a banking GUI program for non-face-to-face financial transactions to a customer terminal according to one embodiment of the present invention.

4A and 4B illustrate a process of downloading and remotely mounting a banking GUI program for non-face-to-face financial transactions to a customer terminal according to another embodiment of the present invention.

5 is a diagram illustrating a configuration of a banking GUI program function recorded on a recording medium of a customer terminal in order to provide an Internet banking function frequently used by a customer in the form of a graphic user interface according to an embodiment of the present invention.

6 is a diagram illustrating a configuration of a GUI banking system according to an exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of outputting a GUI banking interface for selecting a transaction type for Internet banking-linked GUI banking according to an exemplary embodiment of the present invention in a predetermined area on a background screen.

8 is a diagram illustrating a process of outputting a GUI banking interface for selecting a transaction type for Internet banking-linked GUI banking according to another embodiment of the present invention on a predetermined area on a desktop.

FIG. 9 illustrates a process of outputting a GUI banking interface for inputting transaction information to a predetermined area on a background screen and processing GUI banking corresponding to the inputted transaction information according to an embodiment of the present invention. Figure is shown.

10 is a diagram illustrating an Internet banking-linked GUI banking process according to an embodiment of the present invention.

100: program providing server 105: GUI banking server

110: customer terminal

The present invention provides a graphical user interface for selecting a transaction type corresponding to at least one or more Internet banking functions frequently used by the customer, when the customer authentication is confirmed, the operating system of the customer computer (or terminal). (Or a platform) a first output function for processing to be output to a predetermined area on the desktop and a graphical user interface for inputting at least one transaction information and transaction authentication information corresponding to a selected transaction type through the graphical user interface; (Or platform) a second output function for processing to be output to a predetermined area on the desktop, and the financial transaction information including at least one or more of the Internet banking account information, transaction information and transaction authentication information of the customer to the server on the communication network Allow financial transactions to be processed , It relates to a graphical user interface for outputting the financial transaction result to the operating system (or platform) on-readable medium storing a first program for executing the third output function for processing such that displayed on the screen on the predetermined region computer.

While the operating system (or platform) provided in most computers (or terminals) basically supports a Graphical User Interface (GUI) and multitasking, a graphical user interface on the operating system (or platform) (= desktop) A technique for outputting a graphical user interface of a specific application in a certain area of the image has been proposed.

The operating system (or platform) -based graphical user interface output function as described above has been made to include an additional service function (eg, a clock, a calendar, etc.) and various reservation functions through a timer provided in the computer (or terminal).

With the continuous development of information and communication technology in recent years, the graphic user interface output function is basically provided with a communication function through a communication network, and provides a search, map, and news service without starting a browser provided in the computer (or terminal). It is evolving into a form, and as a result, the convenience of using the Internet is gradually expanded.

As advanced information and communication technology is applied to the entire financial industry, various non-face-to-face financial transaction channels such as Internet banking (or wireless banking) through a communication network are commercialized, but the security characteristics of the communication network and the non-face-to-face financial transaction channel are provided. Due to the operating characteristics of the browser, in order to perform financial transactions through the non-face-to-face financial transaction channel, various security modules (for example, an accredited certificate) interoperating with a browser provided in the computer (or terminal) should be mounted. Internet banking (or wireless banking) through the browser itself includes the inconvenience that is not provided.

An object of the present invention for solving the above problems is to identify at least one or more Internet banking functions frequently used by the customer among a plurality of Internet banking functions used by the customer, and select a transaction type corresponding to the identified Internet banking function. A graphical user interface program including a graphical user interface for inputting at least one transaction information and transaction authentication information corresponding to the selected transaction type, and at least one graphical user interface for outputting financial transaction results. When the financial transaction information input through the graphic user interface is transmitted from a program providing server and a computer (or terminal) that has downloaded and installed the graphic user interface program, the financial transaction information is received and then received. Bo is a graphical financial transaction processing system using a supported user interface comprising the server on the network that handles the financial transaction corresponding to the providing.

The computer-readable recording medium according to the present invention, when the customer authentication is confirmed, a graphical user interface for selecting a transaction type corresponding to at least one or more Internet banking functions frequently used by the customer from among a plurality of Internet banking functions used by the customer. A first output function for processing the output to a predetermined area on the desktop of the operating system (or platform) of the customer computer (or terminal), and at least one transaction information and transaction authentication information corresponding to the selected transaction type through the graphical user interface. A second output function for processing a graphic user interface for inputting the graphic user interface to be output to a predetermined region on the desktop of the operating system (or platform); and a finance including at least one Internet banking account information, transaction information, and transaction authentication information of the customer; Transaction information on the network Recording a program for executing a third output function for processing a financial transaction by processing the digital transaction and outputting the financial transaction result to a predetermined area on the desktop of the operating system (or platform); do.

On the other hand, the computer-readable recording medium according to the present invention, when the customer authentication is confirmed, a graphic for selecting a transaction type corresponding to at least one or more Internet banking functions frequently used by the customer from among a plurality of Internet banking functions used by the customer A first output function for processing a user interface to be output to a predetermined area on an operating system (or platform) desktop of a customer computer (or terminal); at least one or more transaction information and a transaction including a transaction amount corresponding to the selected transaction type A second output function for processing a graphic user interface for inputting authentication information to be output to a predetermined area on the desktop of the operating system (or platform), and checking whether the input transaction amount exceeds a transaction limit amount corresponding to the transaction type Validation function and the Internet banking of the customer Based on the operating system (or platform), a graphic user interface for transmitting financial transaction information including at least one of account information, transaction information, and transaction authentication information to a server on a communication network to process a financial transaction, and outputting the financial transaction result. And a program for executing the third output function for processing to be output to a predetermined area on the screen.

In the computer-readable recording medium according to the present invention, the second output function automatically inputs the customer's Internet banking account information on the graphical user interface when the selected transaction type includes an inquiry transaction. Internet banking of the customer on the graphical user interface when the selected transaction type includes an input / output control function for controlling input of inquiry period information and transaction authentication information for the inquiry transaction through the graphical user interface or the selected transaction type. An input / output control function for automatically inputting account information and payee information (or payee account information) corresponding to the transfer transaction, and inputting transaction amount information and transaction authentication information for the transfer transaction through the graphic user interface; Payment of selected transaction type In case of including, the Internet banking account information of the customer and billing agency information and payment amount corresponding to the payment transaction is automatically input on the graphical user interface, and controls to input the transaction authentication information through the graphical user interface A program is recorded which further executes the input / output control function.

Meanwhile, the financial transaction processing support system using the graphic user interface according to the present invention checks at least one or more internet banking functions frequently used by the customer among a plurality of internet banking functions used by the customer, and checks the internet banking function. A graphical user interface for selecting a corresponding transaction type, a graphical user interface for inputting at least one transaction information and transaction authentication information corresponding to the selected transaction type, and at least one graphical user interface for outputting financial transaction results A program providing server for providing a graphical user interface program, and financial transaction information input through the graphical user interface from a computer (or terminal) that has downloaded and installed the graphical user interface program. When transmitting, after receiving it, including a server on the network that handles the financial transaction corresponding to the financial transaction information characterized by comprising.

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 system for establishing a face-to-face gift certificate account for depositing a blank gift certificate value in a gift certificate account according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 shows that when a given customer fills out an application for opening a gift certificate account including at least one of predetermined customer information, financial product information, and issueable gift certificate information, and submits it to a window provided at a predetermined financial institution. A financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account corresponding to the application for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account. Regarding the system configuration stored in the medium 180, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account Various implementation methods for the system configuration can be inferred, but the present invention It includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic document storage request electronic document is stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method for generating the gift certificate account opening application electronic document as shown in Figure 1, generating a gift certificate account opening application electronic document corresponding to the gift certificate account opening application on the server side on the gift certificate account opening system The present invention is not limited by this, but the present invention is not limited thereto, and the electronic gift certificate application electronic document is generated by a terminal that has acquired image content corresponding to the gift certificate account opening application through a predetermined image acquisition device. (Eg, the electronic document generating function provided on the server side is provided on the terminal side to generate the gift certificate account opening application electronic document), and the present invention is not limited thereto.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. Support (ie, use the value of a blank voucher worth 1 million won as a voucher for a specific store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as a voucher for another store) It is desirable to.

Hereinafter, the customer opens the gift certificate account in response to the gift certificate account opening application and the gift certificate account opening application information prepared by the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for generating a corresponding gift certificate account opening application electronic document and storing it in a predetermined electronic document repository are referred to as " financial company server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a terminal device that is provided at at least one financial institution branch (or branch). It characterized in that it comprises a (195), the terminal device 195 is connected to the communication channel and the financial company server 100 provided on the gift certificate account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for depositing a blank gift certificate value in the gift certificate account, and through a window (or counter employee) provided at the financial institution branch branch (branch branch). Via the voucher account to fill out an application for opening a given voucher account for depositing a blank voucher value (e.g., a document with a form for filling in at least one information item for depositing the blank voucher value) In this case, the customer is to seal the seal of the customer for the legal basis for the application for opening the gift certificate account.

Subsequently, when the customer submits the created gift certificate account opening application to the teller, the teller scans the gift certificate account opening application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal is opened. Input (or select) image information obtained in response to the gift voucher account opening application and at least one gift voucher account opening application information including at least one of customer information, financial product information, and issueable gift voucher information written in the gift voucher account opening application. In response, the window terminal preferably transmits the image contents and the gift certificate account application information to the financial company server 100 provided on the gift certificate account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the gift voucher account opening system as described above, an image acquisition device for acquiring image contents corresponding to the gift voucher account opening application created by the customer, the teller terminal used by the employee, the teller terminal and the financial company server 100. The connecting financial network performs a function of a financial account opening interface for the customer to register a gift certificate account opening application information for depositing a blank gift certificate value in the gift certificate account.

The storage medium 180 provided on the gift certificate account opening system according to the present invention stores the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 195. Characterized in that for storing the gift certificate account information including at least one or more.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) It is preferable to deposit a portion of (or the whole amount of) or the principal deposited in the financial account into the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the gift voucher account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the gift voucher account opening system according to the present invention is a generic term for the component of the gift voucher account opening system connected to the terminal device 195 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 blanks the gift certificate account. Application for opening a gift certificate account corresponding to the gift certificate account opening application is obtained by acquiring image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device provided in the terminal device 195 for depositing a gift certificate value. Generate (or extract) at least one user interface for inputting (or selecting) information and transmitting it to the financial institution server 100, and generating the generated (or extracted) user interface in conjunction with the interface unit 105. The interface providing unit 110 provided to the terminal device 195, and the user interface in the terminal device 195 through the user interface Information for receiving the gift certificate account opening application information transmitted from the terminal device 195 in connection with the interface unit 105 when inputting (or selecting) the gift certificate account opening application information corresponding to the gift certificate account opening application. When the receiver 115 and the terminal device 195 acquire and transmit image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, the interface unit 105. It is characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the application form for opening a gift certificate in association with).

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105 and then connects to the financial institution server 100 to the gift certificate account. When requesting a user interface for depositing a blank gift certificate value, an image content corresponding to a gift certificate account opening application created by the customer is obtained through a predetermined image acquisition device included in the terminal device 195, and the gift certificate account is opened. Generate (or select) at least one user interface for inputting (or selecting) gift certificate account opening application information corresponding to the application to the financial institution server 100 through the financial network, and / or a predetermined database (not shown). Extracted from the user interface, and the generated (or extracted) user interface in conjunction with the interface unit 105 Through it characterized in that it provides to the terminal device 195. The

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device, and opens a gift certificate account corresponding to the gift certificate account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the gift certificate account opening application prepared by the customer, and inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application to the financial institution server 100. Create (or extract) an interface to the terminal 195 And ball interface providing unit 110 may be omitted to mubang, to which the present invention is not limited.

Thereafter, the terminal 195 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, the financial product information, and the issueable gift certificate information through the user interface, and the input (or The application information for opening a gift certificate account is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 from the terminal device 195. Characterized in that for receiving the gift certificate account opening application information transmitted.

In addition, the terminal device 195 obtains the image content corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to an application for opening a gift certificate account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 195 stores image content corresponding to a gift certificate account opening application written by the customer and the gift certificate account opening application information corresponding to the gift certificate account opening application through the user interface. When transmitting together, the information receiver 115 may receive the image content corresponding to the gift certificate account opening application and the gift certificate account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the gift certificate account opening application information transmitted from the terminal device 195 through the information receiving unit 115, the received gift certificate account opening application information is displayed. The gift certificate account is characterized in that it is provided with a validity verification unit 125 for checking whether the validity for depositing the blank gift certificate value.

According to the method of the present invention, the validity confirmation of the application information for opening the gift certificate account is matched with the application information for opening the gift certificate account on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and opens the gift certificate account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit (130) 130 for generating a predetermined gift certificate account opening electronic document including the received image content and the generated gift certificate account opening application electronic document It is characterized in that it comprises an electronic document transmission unit 135, 135 for transmitting to the electronic document storage associated with the gift certificate account opening system.

The electronic document generating unit 130 or 130 generates an electronic document voucher registration request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 and 130 directly store the image certificate including the image content received from the terminal device 195 through the image receiving unit 120. It is advisable to process the electronic voucher application to open a blank voucher value in the account.

Alternatively, the electronic document generation unit 130 and 130 may apply to the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to the image content including at least one of customer information, financial product information, and issueable gift certificate information included in a watermarking method. It is desirable to create an application electronic document.

According to another embodiment of the present invention, the electronic document generating unit 130, 130 is a predetermined document file containing the image content received from the terminal device 195 through the image receiving unit 120 ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for the application to open a gift certificate account for depositing blank gift certificate value in the account.

Alternatively, the electronic document generation unit 130 and 130 may apply to the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more information of customer information, financial product information, and issueable gift certificate information included in a watermarking method, and include a predetermined document file including the generated image content (eg, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic application for a gift voucher account for depositing blank voucher values.

According to another embodiment of the present invention, the electronic document generating unit 130 and 130 is the image content and the information receiving unit 115 received from the terminal device 195 via the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including application information for opening a gift certificate account received through , Or a web document file including MHT), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generation unit 130 and 130 may apply to the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating image content including at least one or more information of customer information, financial product information, and issueable gift certificate information included in a watermarking method, and including the generated image content and the application information for opening the gift certificate account; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, 130 is a technical feature of generating an electronic document for the gift certificate account opening application of the image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic voucher registration request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 and 135 transmits the electronic certificate generating application electronic document generated by the electronic document generating unit 130 and 130 to a predetermined electronic document storage associated with the gift certificate account opening system. Characterized in that for storing.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the gift voucher account opening system via a predetermined communication means, and the electronic document server 155, 155 and the electronic document D / B. The electronic document transmission unit 135, 135 is provided to the outside, including the (175) (175) (175), the electronic document transmission unit 135, 135, the electronic document generating unit 130, 130 generated by the electronic document Characterized in that the transmission to the electronic document server 155, 155 through the communication means.

Here, when the electronic document server 155, 155 and the electronic document D / B 175, 175 are provided outside the gift voucher account opening system, the electronic document server 155, 155 and the electronic document server 155, 155 are provided. Electronic documents D / B 175 and 175 are preferably managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmission unit 135, 135 is the electronic document generation unit 130, 130 It is possible to store the electronic voucher registration request electronic document generated by the electronic document D / B (175) (175) corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, thereby The invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 and 135 may include electronic document related information (eg, the image) for generating predetermined electronic document management information in the electronic document server 155 or 155. Customer information for which the application for opening a gift certificate account corresponding to the contents, and / or financial institution information for transmitting the gift certificate account opening electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. Upon authentication, the information generating unit 165 (140) 140 generates the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account, which has been validated. And an account establishment unit (145) (145) for opening and processing the financial account of the customer name including the financial account information.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 125, the information generating unit 165, 140, 140 is the customer information, financial products included in the gift certificate account opening application information The financial account information is generated based on the information and the issueable gift certificate information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account opening units 145 and 145 generate a customer ledger including customer information included in the financial account opening application information in connection with the financial system 185 (or matched with the customer information and is provided with the customer. Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

According to an exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist in the same system, the account opening units 145 and 145 may be led by linking with the financial system 185. It is preferable to generate a predetermined account ledger including the financial account information in the D / B 190.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening units 145 and 145 may be predetermined. It is preferable to request the ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through an external system on the financial system 185 through a communication means of the communication system. Do.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. When the information is authenticated, information storage for storing the gift certificate account information including at least one or more of the customer information, the account attribute information, and the issueable gift certificate information included in the application information for opening the gift certificate account for which the validity is verified is stored in a predetermined storage medium 180. It is characterized by comprising a portion (150, 150).

When the validity of the gift certificate account opening application information is confirmed by the validity confirmation unit 125, the information storage unit 150, 150 is the customer information and account attribute information included in the gift certificate account opening application information, And storing the gift certificate account information including at least one issueable gift certificate information in the storage medium 180.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 and 150. ) Stores the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the received gift certificate account opening application information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in a DBMS provided on the financial system 185, the information storage unit 150 and 150 request information for opening the received gift certificate account. DBMS provided on the financial system 185 by providing the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the information system through the external system on the financial system 185. It is preferable to store in.

Referring to FIG. 1, a predetermined gift certificate account application electronic document is received from the financial institution server 100 provided on the gift certificate account opening system, and stored and managed in a predetermined electronic document D / B 175 (175). The electronic document server 155 and 155 may include an electronic document receiver 160 and 160 for receiving a predetermined gift certificate account opening application electronic document from the financial institution server 100 through a predetermined communication means. An information generating unit (165) (140) (165) for generating predetermined electronic document management information for storing and managing a gift certificate account opening application electronic document in the electronic document D / B (175) (175); And an electronic document storage unit 170 and 170 configured to link document management information with the electronic document opening application electronic document and store them in a predetermined electronic document D / B 175 and 175.

The electronic document receiving unit 160, 160 is characterized in that for receiving the electronic document through the communication means from the financial institution server 100, an application for opening a gift certificate account in the form of an image file and / or document file.

According to an embodiment of the present invention, the electronic document receiving unit 160, 160 electronic document voucher open request application electronic documents received through the communication means that the financial company server 100 received from the terminal device (195) It is preferable that the image file including the image content is included as it is.

Or, the electronic document receiving unit 160, 160, the gift certificate account opening request electronic document received through the communication means is the gift certificate account in the image content received by the financial institution server 100 from the terminal device (195). It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, issueable gift certificate information included in the application information to the watermarking (Watermarking) method.

According to another embodiment of the present invention, the electronic document receiving unit 160, 160 is received through the communication means for the gift certificate account opening request electronic document is received by the financial institution server 100 from the terminal device (195) A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the electronic document receiving unit 160, 160 through the communication means for the application to open a gift certificate account electronic document is opened in the image content received by the financial institution server 100 from the terminal device (195). A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information by a watermarking method. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the electronic document receiving unit 160, 160, the electronic document receiving application electronic document opening request electronic document is received from the financial institution server 100 from the terminal device (195) A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the received image content and the application information for opening the gift certificate account. Processor file, or a web document file including MHT).

Alternatively, the electronic document receiving unit 160, 160 through the communication means for the application to open a gift certificate account electronic document is opened in the image content received by the financial institution server 100 from the terminal device (195). Image content including at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information by watermarking, and a predetermined document file including application information for opening the gift certificate account (eg, A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, or a web document file including an MHT). .

The information generating unit 165, 140, 165 is a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 160, 160, and It includes electronic document storage date and time information including the date and time (or the date and time that the gift certificate account opening request electronic document was received) received through the electronic document receiving unit 160, 160. And generating electronic document management information.

According to one embodiment of the invention, the information generating unit 165, 140, 165 is the financial company server for transmitting a gift certificate account opening application electronic document received through the electronic document receiving unit 160 (160) ( Referring to 100), it is preferable to check the financial institution that has sent the electronic document opening application electronic document, and to generate electronic document management information further comprising the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160 or 160, the information generating unit 165 (140). 165 is information about the received electronic document (e.g., customer information for preparing a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and / or It is preferable to generate electronic document management information further including electronic document file format information, and / or application information for opening a gift certificate account.

The electronic document storage unit 170, 170 is generated through the electronic document receiving application electronic document received through the electronic document receiving unit 160, 160 and the information generating unit 165, 140, 165. The electronic document management information may be stored in a predetermined electronic document D / B 175 and 175 by cooperative processing.

According to an embodiment of the present invention, the electronic document storage unit 170, 170 is stored in the electronic document D / B (175) 175 electronic document voucher application request electronic document is the financial company server 100 Preferably, the image file including the image content received from the terminal device 195 is included as it is.

In addition, the electronic document storage unit 170, 170 is stored in the electronic document D / B (175) 175 application for opening a gift certificate account electronic document is the financial company server 100 from the terminal device (195) The received image content includes an image file corresponding to the image content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account by a watermarking method. It is preferable to make it.

According to another embodiment of the present invention, the electronic document storage unit 170, 170 is stored in the electronic document D / B (175, 175) voucher account opening application electronic document is the financial company server 100 Includes at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including image content received from the terminal device 195. Word processor files, or web document files containing MHT).

In addition, the electronic document storage unit 170, 170 is stored in the electronic document D / B (175) 175 application for opening a gift certificate account electronic document is the financial company server 100 from the terminal device (195) A predetermined document file including image contents including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account in the received image content by a watermarking method ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another exemplary embodiment of the present invention, the electronic document storage unit 170, 170, the electronic document D / B (175), the electronic document is stored in the electronic document application request electronic document is the financial company server 100 ) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the image content received from the terminal device 195 and application information for opening the gift certificate account. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

In addition, the electronic document storage unit 170, 170 is stored in the electronic document D / B (175) 175 application for opening a gift certificate account electronic document is the financial company server 100 from the terminal device (195) The image content including the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account, and the application information for opening the gift certificate account are included in the received image content. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

According to the implementation method of the present invention, the electronic document storage unit 170, 170 electronic document management information stored in the electronic document D / B (175) (175) by processing in conjunction with the electronic document voucher application request electronic document It is preferable that the predetermined number of the electronic document (or unique information) assigned to the electronic certificate voucher application registration document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document storage unit 170 and 170 manages the electronic document stored in the electronic document D / B 175 and 175 in association with the electronic document opening application electronic document. The information may further include financial institution information that transmits the gift certificate account opening application electronic document identified with reference to the financial institution server 100 that transmitted the gift certificate account opening application electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170, 170 is linked to the electronic document opening application electronic document. Electronic document management information to be processed and stored in the electronic document D / B 175 and 175 may include the received electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content), and / Or financial institution information for transmitting the gift certificate account opening request electronic document, and / or electronic document file format information, and / or the gift certificate account opening request information, etc.).

2 is a diagram illustrating an implementation method in which a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner is provided in a DBMS on a financial system 185 according to an embodiment of the present invention. .

In more detail, in FIG. 2, the storage medium 180 illustrated in FIG. 1 is the ledger D / B 190 provided in the DBMS on the financial system 185 or the ledger D / B 190. In this case, as the information structure for an embodiment of the method for storing the gift certificate account information in the ledger information provided in the ledger D / B (190), if the person of ordinary skill in the art While referring to and / or modifying the drawing 2 may infer various information configuration methods for storing the gift certificate account information in the ledger D / B 190, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 190 provided in the DBMS on the financial system 185 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 1 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 190 provided in the DBMS on the financial system 185 has at least one ledger (for example, the receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in Figure 2 , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 2, the storage medium 180 is the ledger D / B 190 or includes an implementation method provided in the ledger D / B 190 according to an embodiment of the present invention. Additional information added to the account ledger with gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application information provided through the gift certificate account opening system shown in FIG. It is characterized in that it is stored in the form.

According to another exemplary embodiment of the present invention, the application information for opening the gift certificate account is stored in the form of information included in the account ledger (not shown), and / or in another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 illustrates a ledger D / B 190 having a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 185. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 190 included in the DBMS on the financial system 185. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the present invention account information is stored in a predetermined database by referring to and / or modifying the present invention. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the gift certificate account information in the ledger information of the ledger D / B 190 on the DBMS provided on the financial system 185 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 190 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 185), the gift certificate account in a predetermined database instead of the ledger D / B 190 It shows an implementation method of storing the information, the database and the ledger D / B (190) in a cooperative process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 190 provided in the DBMS on the financial system 185 according to another embodiment of the present invention. And gift voucher account information including at least one of the customer information, account attribute information, and issueable gift voucher information included in the application information for opening a gift voucher account, wherein the voucher account information is the ledger D / B (190). It is preferable that the gift certificate account information further comprises a CIF number corresponding to the ledger information in order to be linked to the).

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issueable amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention. to be.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of configuring information on gift certificate account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening the gift certificate account. And gift voucher account information including at least one of the customer information, account attribute information, and issueable voucher information included therein.

5A and 5B illustrate a process of opening a gift certificate account for depositing blank gift certificate values in a gift certificate account in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 195 on the gift certificate account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account. If a user prepares and submits a gift certificate account opening application including at least one of information, financial product information, and issueable gift certificate information, the financial institution opens and processes a gift certificate account in a face-to-face manner based on the application for opening a gift certificate account. Specifically, when the customer fills out the application form for opening the gift certificate account and submits it to the counter, After obtaining the predetermined image content corresponding to the gift certificate account opening application through the predetermined image acquisition device at the window terminal and transmitting the predetermined image content to the financial institution server 100, the gift certificate account opening application information corresponding to the gift certificate account opening application is obtained. When the input (or selection) is transmitted to the financial institution server 100, the financial institution server 100 based on the application information to open the gift certificate account that includes at least one of the customer information, financial product information, issueable gift certificate information. The implementation method of opening and processing the said gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document storage, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information in order to deposit a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server generates a user interface for acquiring the predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (or Extracted) (505), the generated (or extracted) through the financial network The user interface is transmitted to the terminal and output (510).

Thereafter, the terminal acquires image content corresponding to the gift certificate account opening application through a predetermined image obtaining apparatus based on the user interface (515).

If image content corresponding to the gift certificate account opening application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) a gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information corresponding to the application for opening a gift certificate account matching the image content to the server. A user interface for transmission is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (540).

If the application information for opening a gift certificate account including at least one of the customer information, the financial product information, and the issueable gift certificate information is input (or selected) through the user interface (545), the terminal transmits the server through the financial network. In step 550, the application information for opening the gift certificate account is input (or selected).

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. (555).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include checking whether the information matches with the financial product information stored in the financial product D / B (not shown).

If the validity of the gift certificate account opening application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and a gift certificate account corresponding to the gift certificate account opening application information Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (560), the server generates a predetermined gift certificate account opening application electronic document including the image content (570).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account, the image file corresponding to the image content including at least one or more information of the issueable gift certificate information in a watermarking method. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more of the issueable gift certificate information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or Opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an application electronic document.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of issueable gift certificate information by a watermarking method, and a predetermined document file (for example, PDF (s) including the generated image content and the application information for opening a gift certificate account). A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for applying for a gift voucher account for value deposit.

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

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository is connected to a server on the gift voucher account opening system via a predetermined communication means, and the electronic document D / B 175 (the predetermined electronic document server 155). If the server is provided externally, the server transmits the generated gift certificate account opening request electronic document to the electronic document server 155 and 155 through the communication means to transmit the electronic document D / B ( 175) 175, preferably.

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B (175) 175, by which the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information Preferably stored in the electronic document D / B 175 (175).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate 585.

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a prescribed account ledger associated with the customer ledger, thereby responding to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application request information, and stores it in a predetermined storage medium 180 (595). )

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. The gift certificate account information including at least one attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 185 and stored in a DBMS provided on the financial system 185.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) details of storing the gift certificate account application information in step 599 and transmitting it to the terminal (599).

6A and 6B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device 195 on the gift voucher account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer may open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. A system for creating a gift certificate account, the financial institution may open and process a gift certificate account based on the application for opening the gift certificate account. Specifically, when the customer completes the gift certificate account opening application form and submits it to the counter, After the counter terminal inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application to the financial institution server 100, a predetermined image corresponding to the gift certificate account opening application is obtained through a predetermined image acquisition device. Acquiring the image content of the financial institution server 100 and transmitting the image content to the financial institution server 100 based on the application information for opening the gift certificate account including at least one of the customer information, the financial product information, and the issueable gift certificate information. The implementation method of opening and processing the said gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application form for opening a gift certificate account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (Ie, using all the gift vouchers worth $ 10,000 as a voucher for a particular store, or 500,000 won out of 1 million won as the voucher for the store, and the remaining 500,000 won as vouchers for other stores). It is preferable.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and issueable gift certificate information transmitted to the financial institution server 100 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information in order to deposit a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server inputs (or selects) a gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information corresponding to the gift certificate account opening application prepared by the customer. Generate (or extract) a user interface for transmission to the server (605) In operation 610, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (615).

If the application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information is input (or selected) through the user interface (620), the terminal transmits the server through the financial network. In step 625, the application information for opening a gift certificate account is input (or selected).

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. (630).

For example, the validity confirmation of the application information for opening a gift certificate account may be performed by using a financial system in which the customer information (customer information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

If the validity of the gift certificate account opening request information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and a gift certificate account corresponding to the gift certificate account opening application information. Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (635), the server acquires predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the gift certificate account opening application through a predetermined image obtaining apparatus based on the user interface (655).

If image content corresponding to the gift certificate account opening application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the gift certificate account opening application information and the image content from the terminal generates a predetermined gift certificate account opening application electronic document including the image content (670).

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to image content including at least one or more information of issueable gift certificate information in a watermarking manner. .

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more of the issueable gift certificate information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or A gift certificate account for depositing blank gift certificate values into the gift certificate account by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic application for the opening application.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of issueable gift certificate information by a watermarking method, and a predetermined document file (for example, PDF (s) including the generated image content and the application information for opening a gift certificate account). A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to create an electronic application for a gift voucher account for value deposit.

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (675).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening request electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B (175) 175, by which the present invention is not limited.

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate 685.

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. Open account (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the gift certificate account and stores it in a predetermined storage medium 180 (695). )

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. The gift certificate account information including at least one of attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 185 and stored in a DBMS provided on the financial system 185.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (699).

7A and 7B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the gift voucher account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer may open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. A system for creating a gift certificate account, the financial institution may open and process a gift certificate account based on the application for opening the gift certificate account. Specifically, when the customer completes the gift certificate account opening application form and submits it to the counter, After obtaining a predetermined image content corresponding to the gift certificate account opening application through a predetermined image acquisition device at a window terminal, inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application, the image When the content and the gift certificate account opening application information are transmitted to the financial institution server 100, the financial institution server 100 application information for opening the gift certificate account including at least one or more of the customer information, financial product information, and issueable gift certificate information. It shows an implementation method of opening and processing the gift certificate account based on.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application form for opening a gift certificate account and storing it in an electronic document repository, the process is not intended for the skilled person. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 7A and 7B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (I.e., use the value of a blank voucher worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as a voucher for another store) It is desirable to.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and issueable gift certificate information transmitted to the financial institution server 100 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information for depositing a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application written by the customer in the terminal, and inputs the gift certificate account opening application through a predetermined image acquisition device. For acquiring the corresponding predetermined image content and transmitting the same to the server; A user interface is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (715).

If the application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information is input (or selected) through the user interface (720), the terminal is determined based on the user interface. An image content corresponding to the gift certificate account opening application is obtained through the image acquisition device of the controller 725.

If image content corresponding to the gift certificate account opening application is obtained through the image obtaining apparatus (730), the terminal transmits the gift certificate account opening application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. (740).

If the validity of the gift certificate account opening request information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and a gift certificate account corresponding to the gift certificate account opening application information. Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (745), the server generates a predetermined gift certificate account opening application electronic document including the image content (755).

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (760).

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate (770).

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (775).

Thereafter, the server generates and stores the gift certificate account information including at least one of the customer information, the account attribute information, and the issueable gift certificate information included in the application information for opening the gift certificate account and storing it in a predetermined storage medium 180 (780). )

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (The details of storing the gift certificate account opening application information) is generated (or extracted) and transmitted to the terminal (785).

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for depositing blank voucher values in a gift voucher account according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides the financial institution with application information for opening a gift certificate account including at least one of predetermined customer information, financial product information, and issueable gift certificate information through a predetermined financial account opening interface. The financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account in a predetermined storage medium 875 ( 875), a person having ordinary skill in the art to which the present invention pertains refers to a system for opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account by referring to and / or modifying this drawing. Various implementations of the construction may be inferred, but the present invention is inferred above. Includes all exemplary method, it shall not be limited to the exemplary method shown in the figure 8.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 8. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the gift certificate account opening request electronic document is illustrated as being generated on the server side on the gift certificate account opening system, but the present invention is not limited thereto. The electronic document for requesting to open a gift certificate account may be generated on the terminal side which inputs (or selects) the gift certificate account opening request information (for example, the electronic document generating function provided on the server side is provided on the terminal side to provide the gift certificate). Create an account opening request electronic document), by which the present invention is not limited.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, receiving the gift certificate account opening application information from the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. 8, the customer opens the gift certificate account, and the predetermined gift certificate corresponding thereto. Components corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository are referred to as "financial company server 800, 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 890, 890 comprising at least one, wherein the terminal device 890, 890 is a financial company server provided on the system for opening a gift certificate account through a predetermined network means 800 and 800 are connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer connects to the financial institution server 800 or 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And input (or select) a gift certificate account opening application information for depositing a blank gift certificate value into the gift certificate account through at least one user interface provided by the financial institution server 800 or 800. It is preferable to transmit to the financial institution server (800, 800) provided on the system for opening a gift certificate account through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 and 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop connected to the TCP / IP based communication network. ) Computers and / or notebooks, or consumer electronics terminals (e.g. refrigerators, set-top-boxes, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network. It is preferable to include at least one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 and 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and And / or a generic term for all terminal devices 890 and 890 connected to the IEEE 802.16x-based mobile Internet, and / or all terminal devices 890 and 890 connected to the IEEE 802.11x-based wireless LAN. And / or a Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal and / or Personal Digital Cellular (PDC) and / or PHS connected to an HSDPA-based) mobile network. (Personal Handyphone System) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, In addition Preferably, the wireless LAN terminal includes at least one or more WLAN terminals connected to the IEEE 802.11x based WLAN.

In addition, the financial institution server 800 and 800 connected with the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. It is preferable to include one or / and a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial institution server (800, 800) is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet based and / or IEEE 802.11x-based wireless LAN, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the financial institution server 800, 800, and inputs and / or selects at least one or more information through the user interface to provide the financial institution server 800 ( A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the financial institution server 800, 800, etc.) for transmission to the 800 is preferably provided.

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

In the system for opening a gift certificate account, the client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one or more connecting the client terminal and the financial institution server (800) (800) The wired communication network and / or the wireless communication network perform a function of a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the terminal apparatuses 890 and 890 may be connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further comprise an automated teller machine (not shown) including a cash dispenser (CD), and / or a public switched telephone network (PSTN), a voice over IP (VoIP) network, and the like. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and And / or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the gift voucher account opening system as described above, when the terminal apparatuses 890 and 890 are the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the A financial network connecting financial institution servers 800 and 800 performs a function of a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account, and / or When the terminal device 890 or 890 is the call terminal (not shown), a wired line connecting the call terminal (not shown) and the call terminal (not shown) to the financial company server 800 (800) A telephone network and / or a wireless telephone network perform a function of a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account, and And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal device 890 or 890 (not shown), and the terminal (and / or server) (not shown) and the A network connecting a terminal (and / or server) (not shown) to the financial institution server 800 and 800 may be used by the customer to register an application for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account. Perform the function of the account opening interface.

The storage medium 875 and 875 provided on the gift voucher account opening system according to the present invention are the customer information and account attribute information included in the gift voucher account opening application information provided from the terminal device 890 or 890. Store the gift certificate account information including at least one issueable gift certificate information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (for example, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by the institution signing up as a gift certificate issuer to be issued through the gift certificate account; It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the linked financial system (880) 880.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 880, 880 associated with the gift voucher account opening system in response to the customer. It is preferable to include at least one.

According to one embodiment of the invention, the storage medium 875, 875 is provided to a DBMS on the financial system 880, 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system). Preferably, the storage medium 875 and 875 are ledgers D / B 885 and 885 provided in the DBMS on the financial system 880 and 880, and / or the ledger. It may be any database associated with D / B 885 and 885, whereby the present invention is not limited.

According to another embodiment of the invention, the storage medium 875, 875 is an internet banking system, and / or a telebanking system, and / or wireless banking provided on (or associated with) the gift voucher account opening system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

The financial institution server 800 and 800 provided on the gift voucher account opening system according to the present invention are generic terms of components of the gift voucher account opening system that are connected to the terminal devices 890 and 890 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the terminal device 890 or 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 800 is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or through the Internet banking system. A server (or device) that is accessible to the outside world of 880, a program included in the server (or device), and / or access through the Internet banking server (and / or the server (or device)) Possibly a server (or device) provided in the external world on the financial systems 880 and 880, and / or a program provided in the external world on the financial systems 880 and 880, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal apparatuses 890 and 890 are client terminals including wireless terminals connectable to a wireless banking server on a predetermined wireless banking system, the financial institution servers 800 and 800 may be used. Is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided on the wireless banking server, and / or an external system of the financial system 880 or 880 through the wireless banking system. The financial system accessible to a predetermined server (or device), a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). 880, 880 may be a server (or device) provided in the external world, and / or a program provided in the external system on the financial system 880, 880, whereby the present invention is limited It does.

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 or 800 may be connected. Is a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the telebanking system, and / or a program provided in the telebanking server, and / or A predetermined server (or device) accessible to the external world of financial systems 880 and 880, a program included in the server (or device), and / or the telebanking server (and / or the server (or A server (or device) provided in the external world on the financial system 880 or 880 accessible through the device), and / or a program provided in the external system on the financial system 880 or 880. And hereby The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal devices 890 and 890 are wired terminals (or two-way digital TVs) connectable to a TV banking server on a predetermined TV banking system, the financial institution server 800 ( 800 is a predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or through the TV banking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)) It may be a server (or device) provided in the external world on the systems 880 and 880, and / or a program provided in the external world on the financial system 880 and 880, whereby the present invention is not limited thereto. No.

According to an exemplary embodiment of the present invention, the financial institution server 800 or 800 connects and manages a predetermined communication channel with the terminal apparatuses 890 and 890 through the network means. It characterized by comprising a.

According to an exemplary embodiment of the present invention, when the terminal device 890 or 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 or 805 may be connected to the wired communication network and / or. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless communication network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface units 805 and 805 establish a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800 or 800, the interface unit 805 or 805 is based on the TCP / IP protocol. It connects a communication channel with the client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal apparatuses 890 and 890 are financial automatic devices connected to a predetermined financial network, the interface units 805 and 805 are protocol stacks defined in the financial network. Connect a predetermined communication channel with the automated teller machine and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the teller machine. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 or 805 may be the wireless communication network. A communication interface for connecting at least one communication channel with the client terminal based on a protocol stack defined in the above, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 or 805 may be configured based on the CDMA protocol. Communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using a WAP / ME protocol defined in the browser program. To provide.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 800 or 800, the interface unit 805 or 805 is based on the CDMA protocol. It connects the communication channel with the client terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 or 805 may be configured as described above. Connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wired telephone network and / or a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data). It is preferable.

For example, the interface unit 805 or 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or for transmitting and receiving information based on voice recognition. Provide a communication interface.

According to another exemplary embodiment of the present invention, when the terminal devices 890 and 890 are wired terminals (or two-way digital TVs) connected to a TV banking system, the interface unit 805 and 805 may be the TV banking. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on a protocol stack defined in the system, and at least using a communication protocol defined in a communication program provided in the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmitting and receiving one or more information (or data).

Referring to FIG. 8, the financial institution server 800 and 800 have a predetermined terminal device 890 and 890 through the interface unit 805 and 805 and the financial institution server 800 and 800. When the communication channel is connected, the financial institution server 800 (800) (800) by inputting (or selecting) predetermined application information for opening a gift certificate account in the terminal device (890) (890) in order to deposit a blank gift certificate value in the gift certificate account. Generate (or extract) at least one user interface to transmit to the terminal apparatuses 890 and 890 in association with the interface unit 805 and 805. When the interface providing unit 810 or 810 and the terminal device 890 or 890 input (or select) the gift certificate account opening application information through the user interface, the interface unit 805 is provided. The terminal device 89 in association with 805 And information receiving units 815 and 815 for receiving the gift certificate account opening application information transmitted from 0) 890.

The interface providing unit 810 or 810 connects a predetermined communication channel with the financial institution server 800 or 800 through the terminal unit 890 or 890 through the interface unit 805 or 805. When the financial institution server 800 requests a user interface for depositing a blank gift certificate value to the gift certificate account, the terminal device 890 enters predetermined application information for opening a gift certificate account (or selects it). Generate at least one user interface to be transmitted to the financial institution server 800 and 800 through the network means, and / or extract from a predetermined database (not shown), and the interface unit 805 and 805. And the user interface generated (or extracted) to the terminal apparatuses 890 and 890 through the network means.

According to an exemplary embodiment of the present invention, when the terminal device 890 or 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 or 810 is connected to the client terminal. Generate (or extract) a predetermined user interface that can be provided by the provided browser program and / or communication program, and provide the generated (or extracted) user interface to the client terminal through the interface units 805 and 805. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal devices 890 and 890 are financial automatic devices connected to a predetermined financial network, the interface providing unit 810 and 810 are provided in the financial automated device. It is preferable to generate (or extract) a predetermined user interface that can be provided by a financial transaction-related program, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805 or 805. .

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 or 810 is the client terminal. Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program included in the terminal, and generate the generated (or extracted) user interface through the interface unit 805 or 805 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 or 810 Generate (or extract) a predetermined user interface that can be provided to the call terminal (not shown), and generate (or extract) the user interface (eg, ARS-based user) through the interface units 805 and 805. Interface) to the call terminal (not shown).

According to another exemplary embodiment of the present invention, when the terminal device 890 or 890 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 810 or 810 may be connected to the wired terminal. Generate (or extract) a predetermined user interface that can be provided to a terminal (or interactive digital TV), and generate the generated (or extracted) user interface through the interface unit 805 or 805 to the wired terminal (or bidirectional digital TV). TV).

According to another embodiment of the present invention, the terminal apparatuses 890 and 890 input (or select) predetermined application information for opening a gift certificate account and transmit the information to the financial institution server 800 or 800 through the network means. If a predetermined information registration program having at least one user interface is provided, a user interface for inputting (or selecting) predetermined gift certificate account opening application information to the financial institution server 800 and 800 as described above is provided. The interface providing unit 810 and 810 which generate (or extract) and provide the terminal devices 890 and 890 to the terminal devices 890 and 890 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal apparatuses 890 and 890 input (or select) a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface. (Or selected) the application information for opening a gift certificate account is transmitted to the financial institution server 800 or 800 through the network means, and the information receiving unit 815 and 815 correspond to the interface unit 805 and 805. And the application information for opening a gift certificate account transmitted from the terminal devices 890 and 890.

According to an embodiment of the present invention, the terminal apparatuses 890 and 890 may include the financial institution server 800 and 800 in the application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. At least one or more including a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the application information to open the gift certificate account It is preferable to transmit to the financial institution server (800, 800) through the network means.

According to an exemplary embodiment of the present invention, the terminal apparatuses 890 and 890 may include at least one encryption method for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or specified in the gift certificate account application information. It is preferable to transmit the digital signature to the financial institution server (800, 800) through the network means, for this purpose, the terminal device (890) 890 is at least one encryption key corresponding to the encryption method Or a predetermined certificate containing at least one encryption key, and / or the certificate is Definition When provided in an IC chip (or IC card), it is preferable that a card reader for confirming the official certificate provided in the IC chip (or IC card) is provided.

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

Referring to FIG. 8, when the financial institution server 800 or 800 receives the gift certificate account opening application information transmitted from the terminal device 890 or 890 through the information receiving unit 815 or 815, The received gift certificate account opening application information is characterized in that it is provided with a validity verification unit 820, 820 to confirm whether the validity for depositing a blank gift certificate value in the gift certificate account.

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption method, the validity verification unit 820 and 820 may use the encrypted gift certificate account application information for at least one decryption method (eg, symmetric key-based decryption) corresponding to the encryption method. Method, and / or public key based decryption method, and / or electronic envelope based decryption method, and / or key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information. Do.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the validity verification unit 820 and 820 confirms the electronic signature attached to the gift certificate account opening application information to open the received gift certificate account. It is desirable to verify the validity of the application information.

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

According to an embodiment of the present invention, when the gift certificate account opening application information received through the information receiving unit 815 or 815 further includes a predetermined password for checking the validity of the gift certificate account opening application information. The validity checking unit 820 or 820 compares and authenticates the password included in the gift certificate account opening request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received gift certificate account opening request information. It is desirable to authenticate validity.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 or 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the validity checking unit 820 and 820 compare and authenticate the received security card information included in the gift certificate account opening application information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received gift certificate account opening application information. It is desirable to authenticate validity.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 or 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the validity checking unit ( 820 and 820 compare and authenticate the received OTP code included in the gift certificate account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received information. It is desirable to verify the validity of the application information for opening a gift certificate account.

According to the method of the present invention, the validity confirmation of the application information to open the gift certificate account is confirmed in the ledger D / B (885) (885) on the financial system 880, 880 associated with the gift certificate account opening system. It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( 880, 880 preferably includes matching with the customer ledger stored in the ledger D / B 885, 885.

In addition, the validity of the gift certificate account opening application information is the financial system information 880, 880 (or product information associated with the gift certificate account opening system of the information contained in the gift certificate account opening application information) It is preferable to include checking whether it matches with the financial product information stored in the financial product D / B (not shown) on the system (not shown).

Referring to FIG. 8, when the validity of the gift certificate account opening application information is authenticated through the validity checking unit 820 and 820, the financial institution server 800 and 800 receive the received gift certificate account opening application information. An electronic document generation unit 825 (825) for generating a predetermined gift certificate account opening request electronic document, and an electronic document for transmitting the generated gift certificate account opening application electronic document to the electronic document storage associated with the gift certificate account opening system Characterized in that it comprises a document transmission unit (830, 830).

The electronic document generating unit 825, 825 is a gift certificate account opening request electronic document including the application information to open the gift certificate account received from the terminal device 890, 890 through the information receiving unit 815, 815. It characterized in that to generate.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 and 825 may include customer information, financial product information, and issuance included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. Generate document content including at least one of the possible gift certificate information, and generate at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) including the document content. It is preferable to process a word processor file including one or more, or a web document file including an MHT) as an electronic document for applying for a gift certificate account for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generator 825 or 825 may include at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. After generating document content including the at least one of the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account in the document content in a watermarking (Watermarking) method, the water Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.) as an electronic document for application to open a gift certificate account for depositing blank gift certificate value into the gift certificate account. Preferable.

Alternatively, the electronic document generator 825 or 825 may include at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. Depositing a blank gift certificate value in the gift certificate account by generating an image content including a document content and an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory); It is advisable to process electronic vouchers for a gift certificate account.

Alternatively, the electronic document generator 825 or 825 may include at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. Customer information and financial products included in the application information for opening the gift certificate account are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). Opening a gift certificate account for depositing a blank gift certificate value into the gift certificate account after including at least one of information and issueable gift certificate information in a watermarking manner, and including an image file including the image content including the watermarking in the gift certificate account. It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 and 825 may include customer information, financial product information, and the like included in the gift certificate account opening application information received through the information receiving unit 815 and 815. A predetermined document file including document content including at least one issueable gift certificate information and including image content (eg, image content generated by capturing the document content on a memory). (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is desirable to process the blank voucher value in the gift voucher account as an electronic document for the application to open a voucher account.

Alternatively, the electronic document generator 825 or 825 may include at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. Customer information and financial products included in the application information for opening the gift certificate account are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and issueable gift certificate information in a watermarking manner, and including the image content including the watermarking; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like. By generating the like also web document file), it is preferable to apply processing to an electronic document voucher account opening for depositing the blank, voucher value on the voucher account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 or 825 may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 815 or 815. Generating document content including at least one issueable gift certificate information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and opening the gift certificate account. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. Document file, etc.), it is desirable to process the blank voucher value in the voucher account as an electronic document for application to open a voucher account for depositing. It is.

Alternatively, the electronic document generator 825 or 825 may include at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815 or 815. Customer information and financial products included in the application information for opening the gift certificate account are generated in the document content including the document content, and the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). A document file including image information including at least one of information and issueable gift certificate information by a watermarking method, and including image information including the watermarking and application information for opening a gift certificate account (eg, Include at least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC Is preferably treated with a word processor file, or by creating a web page file, and so on) containing the MHT, opened voucher account for depositing the blank, voucher value on the voucher account, an electronic document application.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825, 825 is a technical feature to generate an electronic document voucher registration application electronic document of the image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic voucher registration request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830, 830 transmits the electronic certificate creation application electronic document generated by the electronic document generation unit 825, 825 to a predetermined electronic document storage associated with the gift certificate account opening system. Characterized in that for storing.

As shown in FIG. 8, the electronic document repository is connected to a financial institution server 800 or 800 on the gift voucher account opening system and a predetermined electronic document server 850 or 850 linked through a predetermined communication means. When provided to the outside including the D / B 870, 870, the electronic document transmission unit 830, 830 is the application for opening the gift certificate account generated by the electronic document generation unit 825, 825 The electronic document is transmitted to the electronic document servers 850 and 850 through the communication means.

Here, when the electronic document server 850, 850 and the electronic document D / B 870, 870 are provided outside the gift voucher account opening system, the electronic document server 850, 850 and the electronic document server 850 are provided. Electronic documents D / B 870 and 870 are preferably managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmitting unit 830, 830 is the electronic document generating unit 825, 825 It is possible to store the electronic voucher registration application electronic document generated by the electronic document D / B 870, 870 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, thereby The invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830, 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server (850, 850) (for example, the gift certificate) Customer information transmitted by entering (selecting) the account opening request information, and / or financial institution information transmitting the gift certificate application opening document, and / or electronic document file format information, and / or the gift certificate account opening request information. It is possible to further transmit to the electronic document storage, etc., thereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 or 800 may request that the application information for opening a gift certificate account received through the information receiver 815 or 815 may be received through the validity verification unit 820 or 820. Information for generating the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for the opening of the gift certificate account for which the validity is verified, when the validity for depositing the blank gift certificate value is authenticated. It is characterized in that it comprises a generation unit 860, 835, 835, and an account establishment unit (840, 840) for opening and processing a financial account of the customer name including the financial account information.

When the validity of the gift certificate account opening application information is confirmed by the validity checking unit 820 and 820, the information generating unit 860, 835, and 835 request the customer information included in the gift certificate account opening application information. And generating the financial account information based on the financial product information and the issueable gift certificate information.

The account establishment unit 840, 840 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 and 880 (or is matched with the customer information. Check the customer ledger provided), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to open the gift certificate account. And in response to the application information, a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

According to an embodiment of the present invention, when the financial institution server 800, 800 and the financial system 880, 880 are present in the same system, the account opening unit 840, 840 may operate in the financial system ( It is preferable to generate a predetermined ledger including the financial account information in the ledgers D / B 885 and 885 in conjunction with 880 and 880.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and 800 and the financial system 880 and 880 exist on another system connected through a predetermined communication means, the account opening unit 840 840 is the financial account to the ledgers D / B 885 and 885 on the other financial systems 880 and 880 through external systems on the financial systems 880 and 880 through predetermined communication means. It is desirable to request the creation of a predetermined ledger containing information.

Referring to FIG. 8, the financial institution server 800 or 800 may request that the application information for opening a gift certificate account received through the information receiver 815 or 815 may be received through the validity verification unit 820 or 820. If the validity for depositing the value of the blank gift certificate is authenticated, the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the certificate of validity of the certified gift certificate is predetermined. And information storage units 845 and 845 stored in the storage media 875 and 875.

When the validity of the gift certificate account opening application information is confirmed by the validity checking unit 820 and 820, the information storage unit 845 and 845 the account and the customer information included in the gift certificate account opening application information. Gift certificate account information including at least one attribute information, issueable gift certificate information is stored in the storage medium (875) (875).

According to an embodiment of the present invention, when the storage medium 875 and 875 are provided in the financial institution server 800 or 800 or on a network associated with the financial institution server 800 and 800, The storage unit 875 stores the gift voucher account information including at least one of the customer information, account attribute information, and issueable voucher information included in the received gift voucher account application information. Preferably stored at 875.

According to another embodiment of the present invention, when the storage medium 875, 875 is provided in the DBMS provided on the financial system 880, 880, the information storage unit 845, 845 is the reception By providing the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the registered gift certificate account application information to the information system through the external system on the financial systems 880 and 880. It is desirable to store in a DBMS provided on the system 880, 880.

Referring to FIG. 8, a predetermined gift certificate account opening application electronic document is received from the financial institution server 800 and 800 provided on the gift certificate account opening system, and the predetermined electronic document D / B 870 and 870 are provided. The electronic document server 850 or 850 that stores and manages the electronic document receiving unit 855 or 855 to receive a predetermined gift certificate account opening application electronic document from the financial institution server 800 or 800 through predetermined communication means. And an information generating unit 860 or 835 for generating predetermined electronic document management information for storing and managing the received gift certificate account opening application electronic document in the electronic document D / B 870 or 870. 860 and an electronic document storage unit 865 or 865 for linking the electronic document management information with the electronic document opening application electronic document and storing the electronic document management information in a predetermined electronic document D / B 870 or 870. Characterized in that made.

The electronic document receiving unit 855 or 855 may receive an electronic document for requesting to open a gift certificate account in the form of an image file and / or a document file from the financial institution server 800 or 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 855 (855) received through the communication means for the electronic document voucher account application electronic document is the financial company server 800, 800 is the terminal device 890 A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 (855) received through the communication means for the application for opening a gift certificate account electronic document is a gift certificate received by the financial institution server 800, 800 from the terminal device (890) (890) At least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information in document content including at least one of customer information, financial product information, and issueable gift certificate information included in the account opening application information. After the above information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including the watermarking. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the electronic document receiving unit 855 (855) received through the communication means for the application for opening the right of the right account account financial institution server 800, 800 received from the terminal device (890) (890) Image content that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application for opening a gift certificate account (for example, image content generated by capturing the document content on a memory). It is preferable to include an image file containing a).

Alternatively, the electronic document receiving unit 855 (855) received through the communication means for the application for opening a gift certificate account electronic document is a gift certificate received by the financial institution server 800, 800 from the terminal device (890) (890) Image content that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the account opening application information (eg, image content generated by capturing the document content on a memory). An image file including image content including the watermarking after including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account in a watermarking manner; It is preferable to comprise a.

According to another embodiment of the present invention, the electronic document receiving unit 855 (855) received through the communication means for the electronic document voucher account application electronic document is the financial company server 800, 800 is the terminal device 890 Image content (e.g., the document content is captured) that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or a web document file including the MHT).

Alternatively, the electronic document receiving unit 855 (855) received through the communication means for the application for opening a gift certificate account electronic document is a gift certificate received by the financial institution server 800, 800 from the terminal device (890) (890) Image content that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the account opening application information (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information among customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account in a watermarking manner, and the image content including the watermarking; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) And at least one word processor file or at least one web document file including the MHT.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 855 (855) received through the communication means for the electronic document voucher account application electronic document is the financial company server 800, 800 is the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890 and 890. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content captured and generated on a memory and application information for opening a gift certificate account. And at least one word processor file or web document file including MHT).

Alternatively, the electronic document receiving unit 855 (855) received through the communication means for the application for opening a gift certificate account electronic document is a gift certificate received by the financial institution server 800, 800 from the terminal device (890) (890) Image content that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the account opening application information (eg, image content generated by capturing the document content on a memory). Generate image content including at least one or more information among customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account in a watermarking manner, and the image content including the watermarking; And a document file (for example, a Portable Document Format (PDF) file or EDI (Electronic) file containing the application information for opening the gift certificate account). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 860, 835, 860 may include a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 855, 855, and Electronic document storage date and time information including the date and time (or the date and time that the gift certificate account opening request electronic document was received) received through the electronic document receiving unit 855, 855. And generating electronic document management information.

According to an embodiment of the present invention, the information generating unit 860, 835, 860 is the financial company server that transmitted the electronic certificate receiving application electronic document received through the electronic document receiving unit 855 (855) ( It is preferable to check the financial institution that has sent the electronic certificate application opening document electronic document with reference to 800) (800), and to generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 855 or 855 further receives predetermined electronic document related information from the financial institution server 800 or 800, the information generating unit 860 835 and 860 are financial institutions that transmit the received electronic document related information (for example, customer information transmitted by inputting (selecting) the application information for opening a gift certificate account and / or the electronic document for opening the gift certificate account). Information, and / or electronic document file format information, and / or the application information for opening a gift certificate account, etc.).

The electronic document storage unit 865 and 865 may be generated through the electronic document receiving application electronic document received through the electronic document receiving unit 855 and 855 and the information generating unit 860, 835, 860. The electronic document management information may be stored in a predetermined electronic document D / B 870 or 870 by linking and processing the electronic document management information.

According to an embodiment of the present invention, the electronic document storage unit 865, 865, the electronic document storage application D / B (870, 870) is applied to the electronic document voucher account opening application electronic document is the financial company server 800 ( A document file (eg, document file) including document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account opening application information received from the terminal devices 890 and 890. A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 or 865 stores the electronic certificate D / B 870 or 870 in an electronic document voucher application request electronic document, and the financial institution server 800 or 800 stores the terminal device ( 890) (890) customer information contained in the application information for opening the gift certificate account, financial product in the document content including at least one or more customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account received from (890) After including at least one information of the information, the issueable gift certificate information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic) Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 or 865 stores the electronic certificate D / B 870 or 870 in an electronic document voucher application request electronic document, and the financial institution server 800 or 800 stores the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890 and 890. It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the electronic document storage unit 865 or 865 stores the electronic certificate D / B 870 or 870 in an electronic document voucher application request electronic document, and the financial institution server 800 or 800 stores the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890 and 890. After the watermarking method includes at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account in the image content captured and generated in memory, the watermarking is performed. It is preferable to include an image file including the included image content.

According to another embodiment of the present invention, the electronic document storage unit 865, 865 is stored in the electronic document D / B (870, 870) electronic document voucher application registration electronic document is the financial company server 800 An image of capturing document contents including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account opening application information received from the terminal device 890 or 890. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, the electronic document storage unit 865 or 865 stores the electronic certificate D / B 870 or 870 in an electronic document voucher application request electronic document, and the financial institution server 800 or 800 stores the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890 and 890. Image content captured on the memory) to generate image content including at least one or more information of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account by watermarking. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing the image content including the watermarking. And a word processor file including at least one or the like, or a web document file including the MHT.

According to another embodiment of the present invention, the electronic document storage unit 865, 865 is stored in the electronic document D / B (870, 870) electronic document voucher application registration electronic document is the financial company server 800 (800) captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from the terminal devices 890 and 890. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing image content (e.g., image content generated by capturing the document content on a memory) and the gift certificate account application information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 or 865 stores the electronic certificate D / B 870 or 870 in an electronic document voucher application request electronic document, and the financial institution server 800 or 800 stores the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890 and 890. Image content captured on the memory) to generate image content including at least one or more information of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account by watermarking. A document file (eg, a PDF (Portable Document Format) file, or EDI (Elec) containing image content including the watermarking and application information for opening the gift certificate account); tronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT.

According to the implementation method of the present invention, the electronic document storage unit 865, 865 is processed in connection with the electronic product account opening request electronic document and stored in the electronic document D / B (870) 870 The information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

According to an embodiment of the present invention, the electronic document storage unit 865, 865 processes the electronic document stored in the electronic document D / B (870, 870) in association with the gift certificate account opening application electronic document The information may further include financial institution information that transmits the gift certificate account opening request electronic document identified with reference to the financial institution server 800, 800 that transmitted the gift certificate account opening request electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial institution server (800) (800), the electronic document storage unit (865) (865) is the application for opening the gift certificate account The electronic document management information stored in the electronic document D / B 870 and 870 in association with a document is transmitted by inputting (selecting) the received electronic document related information (for example, the application information for opening a gift certificate account). Customer information, and / or financial institution information for transmitting the gift certificate account opening request electronic document, and / or electronic document file format information, and / or the gift certificate account opening request information and the like).

9 is a storage medium 875, 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to an embodiment of the present invention is provided in the DBMS on the financial system (880) (880) It is a figure which shows the implementation method.

In more detail, in FIG. 9, the storage mediums 875 and 875 shown in FIG. 8 are ledgers D / B 885 and 885 provided in the DBMS on the financial system 880 and 880, or the ledgers. When provided to the D / B (885) 885, as shown in the information configuration for an embodiment of the way the voucher account information is stored in the ledger information provided in the ledger D / B (885) 885, Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various information construction methods for storing the gift certificate account information in the ledgers D / B 885 and 885. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledgers D / B 885 and 885 provided in the DBMS on the financial system 880 and 880 may include a predetermined customer ledger, and The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 8 and at least one or more information associated with the account ledger are shown. If one of ordinary skill in the art, the general ledger D / B (885) 885 provided in the DBMS on the financial system (880) (880), at least one or more than the customer ledger and account ledger shown in Figure 9 It will be clearly understood that a ledger (e.g., a ledger, loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers is also included. You will be familiar with the technical details, so a detailed description thereof will be omitted for convenience.

According to one embodiment of the present invention, the storage medium 875 and 875 include the ledger D / B 885 and 885, or an implementation method provided in the ledger D / B 885 and 885. Referring to FIG. 9, a gift certificate account including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application information provided through the gift certificate account opening system shown in FIG. 8. The information is stored in the form of additional information added to the account ledger.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 880, 880.

10 is a storage medium 875, 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention is provided in the DBMS on the financial system (880) (880) A diagram showing an implementation method including a database associated with the ledger D / B 885 and 885.

More specifically, in FIG. 10, the storage media 875 and 875 shown in FIG. 8 are associated with the ledgers D / B 885 and 885 provided in the DBMS on the financial system 880 and 880. Information structure of an exemplary method including a database of the present invention is illustrated, and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the present invention and modify the gift certificate in a predetermined database. Various information construction methods for storing and storing account information in association with the ledgers D / B 885 and 885 may be inferred, but the present invention includes all the inferred implementation methods, which are illustrated in FIG. It is not limited only to the implementation method.

In particular, in FIG. 10, when it is not easy to store the gift certificate account information in the ledger information of the ledgers D / B 885 and 885 on the DBMS provided on the financial system 880 and 880 (eg, It is not easy to change the ledgers D / B 885 and 885 of the DBMS due to the policy of the financial institution or the system expansion is not easy due to the characteristics of the financial systems 880 and 880. Instead of 888 and 885, the gift certificate account information is stored in a predetermined database and the database and the ledger D / B 885 and 885 are linked to each other.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 or 880 as in the implementation method shown in FIG. 10, and according to the intention of those skilled in the art, the Internet banking system It may be configured in the form of a database on, and / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 875, 875 includes a database associated with the ledgers D / B 885, 885 provided in the DBMS on the financial system 880, 880. Referring to FIG. 10, the database stores gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the gift certificate account. Preferably, the information further includes a CIF number corresponding to the ledger information in the gift certificate account information to be linked to the ledgers D / B 885 and 885.

11 illustrates a DBMS having a storage medium 875 and 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention. Figure is a diagram.

In more detail, Figure 11 shows that the storage media 875, 875 shown in Figure 8 are provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server, and those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to at least one banking server. It is possible to infer the information configuration method for the gift certificate account information stored in the predetermined DBMS provided, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 875 and 875 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server may include a gift certificate account. And gift voucher account information including at least one of the customer information, account attribute information, and issueable voucher information included in the open application information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) (e.g., interest from fund investment, savings or savings account) Partial (or all) of or the principal deposited in the financial account is preferably deposited in the financial account.

12A and 12B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value into a gift certificate account in a non-face-to-face manner according to one embodiment of the present invention.

12A and 12B show the terminal devices 890 and 890 on the gift certificate account opening system shown in FIG. 8 as client terminals, and the financial institution server 800 and 800 use predetermined network means. In the case where the client terminal has a web server function accessible through the client terminal, a customer can issue customer information, financial product information, and issue information through the client terminal to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. When providing the gift certificate account opening application information including at least one gift certificate information, based on the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information in the gift certificate account opening system Opening the above gift certificate account for depositing blank gift certificate value in the gift certificate account As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b to the financial company server 800 or 800 from the client terminal. Various implementation methods for registering the gift certificate account opening application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the embodiment shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the application information for opening a gift certificate account and storing the electronic document in an electronic document storage, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

12A and 12B, the financial institution server 800 or 800 provides a user interface for the client terminal to input (or select) the gift certificate account application information. Although illustrated as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, 800, thereby limiting the present invention Not.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution servers 800 and 800 illustrated in FIG. 8 are referred to as “servers” for convenience. The customer information, the financial product information, and the issueable gift certificate information transmitted from the client terminal to the financial institution server 800 (800) 800 are referred to as "gift certificate account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and the gift certificate. When requesting a web page including a user interface for depositing a blank gift certificate value in an account (1200), correspondingly, the server opens a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. Create (or extract) a web page that includes a user interface for entering (or selecting) application information and sending it to the server. In step 1205, the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1210).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the procedure for registering the gift certificate account application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) the application information for opening a gift certificate account including at least one or more customer information, financial product information, and issueable gift certificate information through the user interface included in the web page (1215).

If the terminal inputs (or selects) a gift certificate account application information including the customer information, financial product information, and issueable gift certificate information through the user interface (1220), the terminal inputs the information through the communication channel. The customer information, financial product information, and issueable gift certificate information are transmitted (or selected) to the server (1225).

According to an embodiment of the present invention, the terminal checks the validity of the gift certificate account opening application information on the server in the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the gift certificate account application information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

Thereafter, the server receives and reads the customer information, the financial product information, and the issueable gift certificate information through the communication channel to confirm the validity of the application information for opening the gift certificate account (1230).

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

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

According to an embodiment of the present invention, when the gift certificate account opening application information received through the information receiving unit 815 or 815 further includes a predetermined password for checking the validity of the gift certificate account opening application information. It is preferable that the server authenticates the validity of the received gift certificate account opening application information by comparing and authenticating a password included in the gift certificate account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving units 815 and 815 further includes predetermined security card information for confirming the validity of the gift certificate account opening application information, the server may be configured to include the security card information. It is preferable to verify the validity of the received gift certificate account application information by comparing and authenticating the received security card information included in the gift certificate account application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 or 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server sends the gift certificate. By comparing and authenticating the received OTP code included in the account opening application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the received gift certificate account opening application information It is desirable to authenticate validity.

If the validity of the gift certificate account opening application information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240), and the procedure for opening the gift certificate account is performed. Do not perform.

On the other hand, if the validity of the gift certificate account opening application information is authenticated (1235), the server includes predetermined document content including at least one or more customer information, financial product information, and issueable gift certificate information including the gift certificate account opening application information. In operation 1250, a predetermined gift certificate account opening application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process the blank voucher value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content in the application information opening application information. After including at least one or more of the included customer information, financial product information, issueable gift certificate information in a watermarking (Watermarking) method, a document file containing the document content containing the watermarking (for example, PDF (Portable Document Format) Voucher), or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including (for example, image content generated by capturing the document content on a memory) into a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. After the inclusion, the image file including the image content including the watermarking is preferably processed as a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.), thereby processing a blank gift certificate value in the gift certificate account as an electronic document for requesting to open a gift certificate account. It is preferable.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file, or a web document file including MHT), It is desirable to process the blank voucher value in the gift voucher account as an electronic document for the application to open a voucher account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and application information for opening a gift certificate account; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content including the watermarking and the application information for opening the gift certificate account; Word processor files containing at least one of / DOC, etc., or a web containing MHT By creating a file server, etc.), it is desirable to treat a voucher account opening application documents for electronic deposit a blank gift certificate with the value voucher account.

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository is connected to a server on the gift voucher account opening system through a predetermined communication means, and the electronic document D / B 870 and the predetermined electronic document server 850 and 850 ( 870), the server transmits the generated gift certificate account opening application electronic document to the electronic document server 850 or 850 through the communication means. 870, 870 is preferred.

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in corresponding electronic documents D / B 870 and 870, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by the process of linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (870) 870.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selection) of the gift certificate account opening request information and / or financial institution information transmitting the gift certificate account opening request electronic document). , And / or electronic document file format information, and / or the gift certificate account opening application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1260), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generates 1265.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account in connection with the financial systems 880 and 880. Open and process the financial account of the holder (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 and 880 (or is matched with the customer information. Check the customer ledger provided), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to apply for the opening of the gift certificate account. And in response to the information, a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

According to an embodiment of the present invention, when the server and the financial system 880 and 880 are present in the same system, the server is connected with the financial system 880 and 880 to ledger D / B 885. It is preferable to generate a predetermined ledger in the 885 including the financial account information.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 and 880 exist on another system connected through a predetermined communication means, the server may be connected to the financial system through a predetermined communication means. It is preferable to request the ledgers D / B 885 and 885 on the other financial systems 880 and 880 to create a predetermined ledger including the financial account information through the external world on 880 and 880. Do.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application request information, and stores it in predetermined storage media 875 and 875. (1275)

According to an embodiment of the present invention, when the storage medium 875 and 875 are provided in the server or on the network associated with the server, the server is included in the received gift certificate account opening application information. Preferably, the storage mediums 875 and 875 store gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information.

According to another embodiment of the present invention, when the storage medium 875 and 875 are provided in the DBMS provided on the financial system 880 and 880, the server is included in the received gift certificate account opening application information. Providing the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information to the information system through an external system on the financial systems 880 and 880. It is preferable to store in the DBMS provided in.

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). In operation 1280, the details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1280).

According to one embodiment of the invention, the storage medium 875, 875 is provided to a DBMS on the financial system 880, 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system). Preferably, the storage medium 875, 875 is ledger D / B 885, 885 provided in the DBMS on the financial system 880, 880, and / or the ledger D / B 885, 885 may be any database associated with, the present invention is not limited thereby.

13A, 13B, and 13C illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account according to one embodiment of the present invention.

More specifically, FIGS. 13A, 13B, and 13C illustrate the case where the system for opening a gift certificate account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, opening the gift certificate account shown in FIG. 8). In the case where the financial institution server 800 or 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer authentication procedure. After performing, the client terminal transmits a predetermined gift certificate account opening application information to the Internet banking server in order to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account, the customer in the Internet banking server Application information for opening a gift certificate account including at least one information, financial product information, and issueable gift certificate information. The present invention relates to an implementation method of opening and processing a gift certificate account for depositing a blank gift certificate value in the gift certificate account, which is a person having ordinary knowledge in the technical field to which the present invention pertains. By referring to and / or modifying the present invention, various implementation methods for registering the gift certificate account opening application information through other types of non-face-to-face financial transaction channels may be inferred, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a gift certificate account opening application information between the client terminal and the Internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and internet Although it is possible to infer a method of connecting an Internet banking-based financial transaction channel for registering a gift certificate account registration information between king servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-facing channel-based financial transaction channel for registering a gift certificate account registration information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

Hereinafter, in FIG. 13A, FIG. 13B, and FIG. 13C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution servers 800 and 800 is referred to as a "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the application information for opening a gift certificate account. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm.

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registration of a gift certificate account application information in the terminal. Attach a predetermined digital signature to information (or data) to be performed and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering application information for opening a gift certificate account for depositing a blank gift certificate value from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for depositing a blank gift certificate value in the gift certificate account to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly requests the customer information. Generating (or extracting) a web page including a user interface for inputting (or selecting) a gift certificate account application request information including at least one financial product information and issueable gift certificate information to the server (1305b); In operation 1310b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information in the terminal. Preferably, and / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the gift certificate account application information. Security card information printed on the card) and / or one time password (OTP) (e.g., through an internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution. Preferably a one-time password).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the gift certificate account application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial account opening interface (1315b).

If the terminal receives (or selects) a gift certificate account opening application information including the customer information, financial product information, and issueable gift certificate information through the user interface (1320b), the terminal transmits the information through the financial transaction channel. The application information for opening (or selecting) the gift certificate account opening information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Have at least one encryption key corresponding to an encryption scheme, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card) If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

Thereafter, the server receives and reads the gift certificate account opening application information through the financial transaction channel and checks the validity of the gift certificate account opening application information (1330b).

Alternatively, when the gift certificate account opening application information received through the information receiving units 815 and 815 further includes predetermined security card information for confirming the validity of the gift certificate account opening application information, the server may be configured to include the security card information. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the gift certificate account opening application information with the security card information provided corresponding to the customer on the DBMS. .

For example, the validity confirmation of the application information for opening a gift certificate account may be performed by using a financial system in which the customer information (customer information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( 880, 880 preferably includes matching with the customer ledger stored in the ledger D / B 885, 885.

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

On the other hand, if the validity of the gift certificate account opening application information is authenticated (1335b), the server includes predetermined document content including at least one or more customer information, financial product information, and issueable gift certificate information including the gift certificate account opening application information. Generate (1345b), and generate a predetermined gift certificate account application electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including (eg, image content generated by capturing the document content on a memory) into a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1355c).

If the electronic document storage application electronic document is stored in the electronic document storage (1360c), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generates 1365c.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account in connection with the financial systems 880 and 880. Open and process a financial account in the name (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 880 and 880 (or is matched with the customer information. Check the customer ledger provided), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to apply for the opening of the gift certificate account. And in response to the information, a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application request information, and stores it in predetermined storage media 875 and 875. (1375c)

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). In operation 380c, details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1380c).

According to one embodiment of the invention, the storage medium 875, 875 is provided to a DBMS on the financial system 880, 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system). Preferably, the storage medium 875 and 875 are ledgers D / B 885 and 885 provided in the DBMS on the financial system 880 and 880, and / or the ledger D. / B 885, 885 may be any database associated with, the present invention is not limited thereby.

14 is a diagram illustrating an online payment processing system for utilizing a gift certificate deposited in a gift certificate account as a payment means in an online shopping mall according to an embodiment of the present invention.

In more detail, FIG. 14 shows a gift certificate deposited by the customer in the gift certificate account through an online payment processing system through a financial transaction interface provided by a predetermined payment processing server 1400 according to a request of a predetermined shopping mall server 1445. To provide product payment request information including at least one of gift certificate account information, product price information, transaction authentication information, and gift certificate type information for use as a payment method in an online shopping mall, the provided product payment in the online payment processing system. In the system configuration for providing a financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall by using the gift certificate account information, product price information, transaction authentication information, gift certificate type information included in the request information To the general knowledge in the art to which the present invention pertains. If you have, it will be able to infer various implementation methods for the configuration of the online payment processing system for using the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall by referring to and / or modified in this figure 14, but the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to the financial transaction interface provided by the payment processing server 1400 according to the request of the shopping mall server 1445 by referring to and modifying the drawing 14. Instead, the shopping mall server 1445 may infer an implementation method for providing a financial transaction interface, but the present invention includes all the implementation methods inferred, and the present invention is not limited thereto.

Hereinafter, in accordance with the request of the shopping mall server 1445 on the online payment processing system shown in FIG. 14, the product payment request information provided from the customer is used through a financial transaction interface provided by the payment processing server 1400. The component corresponding to at least one or more means and / or functional configuration for providing a financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall is referred to as "payment processing server 1400" for convenience. In FIG. 14 providing the non-face-to-face financial transaction service, the payment processing server 1400 includes all types of non-face-to-face banking servers including at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like. It is preferable to comprise.

Referring to FIG. 14 according to an embodiment of the present invention, an online payment processing system for utilizing a gift certificate deposited in the gift certificate account as a payment means in an online shopping mall includes at least a wired terminal and / or a wireless terminal used by a customer. A customer terminal 1460 including at least one or more including client terminals, network means corresponding to a wired communication network and / or a wireless communication network to which the customer terminal 1460 is connected, and the customer through the network means. A payment processing server 1400 connected to the terminal 1460 to process a financial transaction for utilizing a gift certificate deposited in the gift certificate account as a payment means in an online shopping mall, and the customer may purchase the payment processing server 1400. Requesting product information about a product, payment according to the purchase of the product, receiving the product payment result, and A shopping mall server 1445 that provides payment completion information according to a product purchase to a customer, and a financial system 1450 in which the gift voucher account opened through the gift voucher account opening system shown in FIGS. It is characterized by losing.

The financial system 1450 which processes the at least one financial transaction service through the gift certificate account opened through the gift certificate account opening system shown in FIG. 1 or 8 in connection with the payment processing server 1400 is the financial system. At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

In addition, the financial system 1450 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 1450 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server A personal computer equipped with at least one client terminal (eg, the wired Internet access and browsing function) connected to a wireless LAN, and / or an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet. And / or provide a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, a laptop and / or a mobile terminal equipped with the wireless LAN / portable Internet access and browsing function).

In addition, the financial system 1450 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) PCS equipped with at least one wireless terminal (e.g., access and browsing function connected to the mobile communication network) connected to an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. At least one financial transaction through a Personal Communication System and / or Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics) Provide non-face-to-face financial transaction services to customers.

In addition, the financial system 1450 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) Equipped with at least one wireless terminal (e.g., a financial IC chip) connected to a mobile communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. The wireless terminal provides an IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system 1450 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1450 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 1450 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 14, the financial system 1450 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 1450 and at least one other financial system 1450 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to 1450 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 1450 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1450, and predetermined information required for performing respective functions in components in the financial system 1450. (Eg, ledger information, and / or customer information, and / or management information, etc.), characterized in that it comprises a DBMS (DataBase Management System) including at least one database for storing and managing.

In addition, the financial system 1450 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1450 and the purpose of the financial system 1450. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 1450, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 1450 may be configured by the financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational (Relationship) is stored in association with the ledger information, the ledger information is shown in Figure 1 or Including predetermined account ledger corresponding to the voucher account opening through the voucher account opening system shown in side 8 characterized in that formed.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 1450. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the storage is, the detailed description thereof will be omitted.

According to one embodiment of the present invention, the customer accesses the payment processing server 1400 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, The client terminal inputs (or selects) product payment request information for using a gift certificate deposited in the gift certificate account as a payment method in an online shopping mall through at least one user interface provided by the payment processing server 1400. It is preferable to transmit to the payment processing server 1400 provided on the online payment processing system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless communication At least one wireless communication terminal connected to the trust network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the payment processing server 1400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the payment processing server 1400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the payment processing server 1400, inputs and / or selects at least one or more information through the user interface, and transmits the same to the payment processing server 1400. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the payment processing server 1400, etc.) is provided.

In the online payment processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the payment processing server 1400. And / or the wireless communication network performs a function of a financial transaction interface for inputting goods payment request information for the customer to use the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall.

According to another exemplary embodiment of the present invention, the customer terminal 1460 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the online payment processing system as described above, when the customer terminal 1460 is the financial automatic device (not shown), the financial automated device (not shown), the financial automatic device (not shown), and the payment processing server are described. The financial network connecting 1400 performs a function of a financial transaction interface for inputting product payment request information for the customer to use the gift certificate deposited in the gift certificate account as a payment means in an online shopping mall, and / or When the customer terminal 1460 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the payment processing server 1400. The financial transaction inter for the customer to input the product payment request information for using the gift certificate deposited in the gift certificate account as a payment method in the online shopping mall And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the customer terminal 1460 (not shown), and / or the terminal (and / or server) ( Not shown) and the network connecting the terminal (and / or server) (not shown) and the payment processing server 1400 to allow the customer to use a gift certificate deposited in the gift certificate account as a payment means in an online shopping mall. It performs the function of the financial transaction interface for inputting product payment request information.

The payment processing server 1400 provided on the online payment processing system according to the present invention is a generic term for the components of the online payment processing system side connected to the customer terminal 1460 through a predetermined network means, and includes at least one or more. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the payment processing server 1400 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or predetermined external access to the external system of the financial system 1450 through the Internet banking system. Servers on the financial system 1450 that are servers (or devices), programs on the server (or devices), and / or accessible through the Internet banking server (and / or the server (or devices)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system 1450, whereby The invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the payment processing server 1400 is the wireless banking. A predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 1450 through the wireless banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 1450 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 1450, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the payment processing server 1400 is the telebanking system. The banking system 1450 is a predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system 1450, and / or a program provided in the external system on the financial system 1450, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the payment processing server 1400 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 1450 through the TV banking system. (Or a device), a program included in the server (or device), and / or an external system on the financial system 1450 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided, and / or a program provided in the external system on the financial system 1450, whereby the present invention is not limited.

The product payment request information transmitted from the customer terminal 1460 to the payment processing server 1400 for utilizing the gift certificate deposited in the gift certificate account as a payment means in an online shopping mall is predetermined gift certificate account information and product price. Characterized in that it comprises at least one information, transaction authentication information, gift certificate type information.

The gift certificate account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the gift certificate account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift voucher account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The product price information may be withdrawn from the gift certificate account to use the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall operating the shopping mall server 1445 or operating the shopping mall server 1445. In the case of a gift certificate that is not used in a shopping mall, it is characterized in that it comprises a financial transaction amount that is transferred to the management agency operating a predetermined relay server 1455, the product price is the balance deposited in the gift certificate account It is characterized by not exceeding.

The transaction authentication information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for using the gift certificate deposited in the gift certificate account as a payment method in an online shopping mall. Information for securing one or more validity, characterized in that it comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, the transaction authentication information on the characteristics of the online payment processing system shown in Figure 14, characterized in that the financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall is made through a non-face-to-face channel. The at least one security code information provided in the security card provided to the customer in the process of opening the gift certificate account is made, and / or OTP code generated through the OTP (One Tome Password) generator provided to the customer It is preferable that it further comprises.

In addition, the transaction authentication information on the characteristics of the online payment processing system shown in Figure 14, characterized in that the financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall is made through a non-face-to-face channel. Is at least included in the authentication certificate information provided in the customer terminal 1460 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the customer terminal 1460), or at least in the authorized certificate Preferably, the method further comprises encrypting the goods payment request information based on one or more encryption keys, or attaching the electronic signature of the customer to the goods payment request information.

The gift certificate type information may include at least one of a gift certificate name, a gift certificate issuing agency, and the like for the type of gift certificate that can be used in the shopping mall that operates the shopping mall server 1445.

In addition, when a gift certificate value corresponding to a gift certificate and a type of gift certificate are stored in the gift certificate account, a customer requesting payment of a product using the gift certificate may be input (or selected) and transmitted.

In addition, when a blank voucher value is stored in the voucher account, at least one voucher type information available in the mall operating the mall server 1445 may be provided.

According to an embodiment of the present invention, the payment processing server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal 1460 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1405 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the payment processing server 1400, the interface unit 1405 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 customer terminal 1460 is a financial automation device connected to a predetermined financial network, the interface unit 1405 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with a device and using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may implement a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the payment processing server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is 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. 14, the payment processing server 1400 has a predetermined customer terminal 1460 connecting a communication channel with the payment processing server 1400 through the interface unit 1405, and / or the communication channel. When requesting a financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall through, input the predetermined product payment request information in the customer terminal 1460 in conjunction with the interface unit 1405 (Or select) the interface providing unit 1410 (or interface providing means) for generating (or extracting) a predetermined user interface to be transmitted to the customer terminal 1460, characterized in that the When the terminal 1460 is provided with a predetermined terminal-side banking program including the user interface, the interface providing unit 1410 is omitted. It is preferred.

The interface providing unit 1410 is a functional configuration provided in the customer terminal 1460 after a predetermined customer terminal 1460 connects a communication channel with the payment processing server 1400 through the interface unit 1405. Corresponding user input (or select) the product payment request information to generate a predetermined user interface that can be transmitted to the payment processing server 1400 through the network means, and / or from a predetermined database (not shown) Extracting and providing the generated (or extracted) user interface to the customer terminal 1460 through the network means in association with the interface unit 1405, wherein the user interface includes the shopping mall server ( Providing in response to the product payment request of 1445).

According to an embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1410 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 1405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a financial automation device connected to a predetermined financial network, the interface providing unit 1410 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (for example, an ARS-based user interface) through the interface unit 1405 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1460 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1410 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the product payment request information to the customer terminal 1460 and transmitting the product payment request information to the payment processing server 1400 through the network means is provided. When a predetermined terminal side banking program is provided, the interface providing unit 1410 for providing the user interface to the customer terminal 1460 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) product payment request information including at least one of gift certificate account information, product price information, transaction authentication information, and gift certificate type information. It is desirable to include an interface function to transmit to).

Referring to FIG. 14, the payment processing server 1400 requests a payment for a product including at least one of gift certificate account information, product price information, transaction authentication information, and gift certificate type information through the user interface at the customer terminal 1460. When the information is input (or selected) and transmitted, the merchandise payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information in association with the interface unit 1405 is received. An information receiving unit 1415 (or information receiving means) and a validity checking unit 1420 for checking the validity of the gift certificate account information, product price information, transaction authentication information, and gift certificate type information included in the received product payment request information. (Or validity checking means) and the shopping mall server 1445 in response to the validity-checked product payment request information. If the information voucher (1420) (or information verification means) for checking whether the payment request using a possible gift certificate, and the gift certificate that can not be used in the shopping mall server 1445, the value that can be used in the shopping mall ( Or a currency exchange processing unit 1430 (or currency exchange processing means) for exchanging money in connection with a predetermined relay server 1455 with cash or the like, and the currency exchange processing part 1430 for money exchange processing in connection with the financial system 1450. Financial transaction that withdraws the gift certificate value and transfers it to the account of the institution that operates the relay server 1455, or withdraws the blank gift certificate value (or gift certificate) deposited in the gift certificate account and deposits it into the online shopping mall account. Online shopping of the gift certificate deposited in the gift certificate account in connection with the processing unit 1435 (or financial transaction processing means) and the financial transaction processing unit 1435. Information transmission unit 1440 (or information transmission means) for generating a predetermined product payment result information for a financial transaction for use as a payment means in the mall to transmit to the customer terminal 1460 or the shopping mall server 1445 It characterized by comprising a.

The customer terminal 1460 inputs (or selects) product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information through the user interface. Characterized in that the transmission to the payment processing server 1400.

The information receiving unit 1415 inputs (or selects) product payment request information including at least one of gift certificate account information, product price information, transaction authentication information, and gift certificate type information through the user interface at the customer terminal 1460. When the transmission via the network means, and receives the goods payment request information in conjunction with the interface unit 1405, and provides the received goods payment request information to the validity confirmation unit 1420. .

The gift certificate account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the gift certificate account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift certificate account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The validity confirming unit 1420 may be configured to check whether the product payment request information received from the customer terminal 1460 satisfies the validity for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall.

According to an embodiment of the present invention, the validity check on the product payment request information may be performed by the account ledger for the financial account corresponding to the gift certificate account information included in the product payment request information in the ledger D / B on the financial system 1450. (Or checking whether the customer ledger corresponding to the gift certificate account) is provided, and when the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, It is desirable that the validity be authenticated.

In addition, the validity confirmation of the product payment request information is a blank gift certificate value deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B on the financial system 1450 corresponding to the gift certificate account) It is preferable to include a check if the product price included in the payment request information is greater than, and if the balance of the gift certificate account is more than the product price, it is preferable that the validity of the product payment request information is authenticated.

In addition, the validity check of the product payment request information is the account provided in the ledger D / B on the financial system 1450 corresponding to the various passwords corresponding to the transaction authentication information included in the product payment request information and the gift certificate account And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the goods payment request information is authenticated.

In addition, in the characteristic of the non-face-to-face online payment processing system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validation of the product payment request information may be performed by the security code information. And security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the financial system 1450 corresponding to the gift certificate account, and corresponding to the transaction authentication information. Preferably, the security code information is included. The security code information is preferably matched. When the security code information corresponding to the transaction authentication information is matched, the validity of the product payment request information is verified.

In addition, in the non-face-to-face online payment processing system shown in FIG. 14, when the transaction authentication information further includes a predetermined OTP code, the validity of the product payment request information is determined by the OTP code and the Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator paid to the customer, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable that the identification is made to match with, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, the validity of the product payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face online payment processing system shown in FIG. In the case of encryption through the encryption key included in the certificate), the validity check on the product payment request information decrypts the encrypted product payment request information (or at least one or more financial transaction information included in the product payment request information), It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the commodity payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face online payment processing system shown in FIG. When the signature is attached, the validity verification of the goods payment request information includes the electronic signature of the customer for the goods payment request information (or at least one or more financial transaction information included in the goods payment request information) to which the electronic signature is attached. It is preferable to include a confirmation, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the product payment request information is authenticated.

When the validity of the product payment request information is confirmed, the information checking unit 1420 corresponds to the gift certificate type information included in the gift certificate payment request information received from the customer terminal 1460 (or the shopping mall server 1445). And checking whether the gift certificate type information is a gift certificate that can be issued by a financial institution in which the gift certificate account is opened.

According to an embodiment of the present invention, a method of checking whether a gift certificate account is issued by a financial institution opened is a ledger D / B provided on a financial system 1450 provided in a financial institution where the gift certificate account is opened. In connection with the present invention, it is preferable to check the gift certificate account information included in the account ledger corresponding to the gift certificate account, and to confirm whether the gift certificate account information is a gift certificate that can be issued by a financial institution. Preferably, the gift certificate type information is provided to the currency exchange processing unit 1430.

For example, when the gift certificate that can be used in the shopping mall is xxx department store gift certificate and the gift certificate that can be issued by the financial institution is yyy department store gift certificate, it is preferable to determine that the gift certificate cannot be issued by the financial institution where the gift certificate account is opened.

When a gift certificate that cannot be issued by a financial institution in which the gift certificate account is opened is provided as the gift certificate type information included in the gift certificate payment request information, the currency exchange processing unit 1430 may include a relay server connected to the payment processing server 1400. The exchange rate is applied to the value (or cash, etc.) usable by the shopping mall server 1445 by applying the exchange rate for the gift certificate type through 1455.

According to the method of the present invention, the exchange processing of the value (or cash, etc.) available to the value (or cash, etc.) available in the shopping mall server 1445 for the type of gift certificate, the relay server to the value of the blank gift certificate (or gift certificate, etc.) deposited in the gift certificate account Currency exchange processing is performed using exchange information including at least one of gift certificate type information and exchange rate information provided on the D / B of 1455.

For example, the gift certificate type information included in the exchange information is xxx gift certificate, the exchange rate information is 5% discount, the gift certificate that can be issued by a financial institution equipped with the gift certificate account is xxx gift certificate, and there is no gift certificate available in the shopping mall. In this case, when the exchange request for 100,000 xxx vouchers, it is preferable that the relay server 1455 exchanges the xxx vouchers for 95,000 in cash to perform payment processing through the payment processing server 1400.

The gift certificate type information included in the exchange information is xxx gift certificate and yyy gift certificate, the exchange rate information on xxx gift certificate is 5% discount, and the gift certificate that can be issued by a financial institution equipped with the gift certificate account is xxx gift certificate. If the gift certificate that can be used in the shopping mall is yyy gift certificate, when requesting to convert the xxx gift certificate 100,000 into yyy gift certificate, the relay server 1455 purchases the xxx gift certificate as 95,000 and yyy corresponding to the cash for the purchased 95,000. It is desirable to provide a gift certificate.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the exchange of gift certificates, etc. to which the exchange rate is applied, the detailed description will be omitted for convenience.

When a gift certificate that can be issued by a financial institution in which the gift certificate account is opened is provided as gift certificate type information included in the gift certificate payment request information, the financial transaction processing unit 1435 includes a financial system in which an account ledger corresponding to the gift certificate account is provided. In connection with (1450) to use the gift certificate deposited in the gift certificate account based on the gift certificate account information, product price information, transaction authentication information, gift certificate type information included in the gift certificate payment request information as a payment means in the online shopping mall Characterized in processing financial transactions.

When a gift certificate that cannot be issued by a financial institution in which the gift certificate account is opened is provided as the gift certificate type information included in the gift certificate payment request information, the financial transaction processing unit 1435 is connected with the relay server 1455 to exchange money. In addition, the transfer of the blank gift certificate value (or gift certificate) deposited in the gift certificate account to the financial account of the institution that operates the relay server 1455.

According to the method of the present invention, the financial transaction processing unit 1435 is linked to the financial system 1450 from the account ledger corresponding to the gift certificate account information included in the product payment request information blank corresponding to the product price information It is preferable to withdraw a gift certificate value (or gift voucher), and deposit the withdrawn amount into the shopping mall account (that is, transfer the processing from the gift certificate account to the shopping mall account), and the deposit to the shopping mall account is settled. Later, it may be deposited in cash or as a gift certificate.

In addition, the financial transaction processing unit 1435 is linked with the financial system 1450 from the account ledger corresponding to the gift certificate account information included in the product payment request information (blank) gift voucher value (or gift certificate) corresponding to the product price information It is preferable to process the withdrawal and deposit the withdrawn blank gift certificate value (or gift certificate) to the account of the institution that operates the relay server 1455, and to the account of the institution that operates the relay server 1455. The deposit may be deposited in cash or in a gift certificate after the settlement process.

When the financial transaction for using the gift certificate deposited in the gift certificate account by the financial transaction processing unit 1435 as a payment means in the online shopping mall is processed, the information transmission unit 1440 is connected with the financial transaction processing unit 1435 Generates a financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial transaction for using the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall, and the interface unit 1405 ), The product settlement result information including the financial transaction processing history is transmitted to the customer terminal 1460 through the network means.

The financial transaction processing history may include the gift certificate account information, the product price information, and the gift certificate type information, and further includes an approval code (or an error code) for the financial transaction. do.

The product settlement result information includes a protocol structure for transmitting the generated financial transaction processing history to the customer terminal 1460 through the network means, and the product settlement result information includes the product settlement request. It is preferable that the information is encrypted similarly to the information, or transmitted to the customer terminal 1460 with the electronic signature of the financial institution attached.

15 is a ledger corresponding to a gift certificate account provided in the financial system 1450 for a non-face-to-face financial transaction for utilizing a gift certificate deposited in a gift certificate account according to an embodiment of the present invention as a payment means in an online shopping mall. It is a figure which shows a structure.

More specifically, FIG. 15 corresponds to the gift certificate account opened through the gift voucher account opening system shown in FIG. 1 or 8 in the ledger D / B provided in the DBMS on the financial system 1450 shown in FIG. As an embodiment of the present invention having an account ledger, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 15 to store a gift certificate deposited in the gift certificate account in an online shopping mall. Although various implementation methods for the ledger configuration corresponding to the gift certificate account provided in the financial system 1450 may be inferred for use as a payment means, the present invention includes all the implementation methods inferred from the figure 15 It is not limited only to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 1450 may include a predetermined customer ledger and at least one account associated with the customer ledger. Ledger (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person having ordinary knowledge in the technical field to which the present invention belongs, the financial system 1450 In the ledger D / B provided in the DBMS on the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 15 It will be clearly understood that at least one additional information is included to further understand and will be familiar with specific technical matters. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the gift voucher account for using the gift voucher deposited in the gift voucher account as a payment method in an online shopping mall, and includes a customer information file (CIF) number, a country code, a contact ID, Branch No., Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone number, mailing address, account number, president, type of business, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

The account ledger is a ledger corresponding to the gift voucher account for utilizing the gift voucher deposited in the gift voucher account as a payment means in the online shopping mall, and is linked in relation to the customer ledger, and includes an account number, a CIF number, a point number, a currency, Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, It includes at least one final payment amount, final withdrawal amount, number of unpaid account transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic reception information including at least one or more of the account number, abstention (months), period (days), period extension, expiration date and target amount, and / or corresponding to the ledger Trust receipt information including at least one of a left number, a deposit amount, a par value, a pension date and the number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, and a cash amount corresponding to the account ledger. It includes the transaction history information including at least one, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, brief, CIF and the like.

Figure 15a and Figure 15b is a non-face-to-face use of a gift certificate deposited in a gift voucher account as a means of payment in the online shopping mall in order to utilize the gift certificate deposited in the gift voucher account according to an embodiment of the present invention A diagram illustrating a process of processing a financial transaction for the.

In more detail, FIGS. 15A and 15B illustrate a case where a payment processing server 1400 on the online payment processing system shown in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. The client terminal accesses the payment processing server 1400 and connects a communication channel for the financial transaction, and then the gift certificate account information, product price information, and transaction to the payment processing server 1400 through the communication channel. When the product payment request information including authentication information and gift certificate type information is transmitted, the gift certificate account information, product price information, transaction authentication information, and gift certificate type included in the received product payment request information are transmitted from the payment processing server 1400. Financial settlement for using the gift voucher deposited in the gift voucher account as a payment method in the online shopping mall using the information As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b, and online the gift certificate deposited in the gift certificate account in the non-face-to-face manner. Various implementation methods for the process of processing a financial transaction for use as a payment means in a shopping mall may be inferred, but the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 15A and 15B. It is not limited to the method.

In the following Figures 15a and 15b, the client terminal shown in Figure 14 is referred to as "terminal" for convenience, and the payment processing server 1400 shown in Figure 14 is referred to as "server" for convenience.

Referring to FIGS. 15A and 15B, the terminal illustrated in FIG. 14 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, and when the terminal is a wireless terminal, CDMA based mobile). Request a financial transaction for accessing the server through a communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based mobile Internet) to use a gift certificate deposited in the gift certificate account as a payment method in an online shopping mall. In response to the 1500, the server may include at least one gift certificate account information, product price information, transaction authentication information, and gift certificate type information for utilizing the gift certificate deposited in the gift certificate account as a payment method in an online shopping mall. The communication channel is generated by generating (or extracting) a web page including a user interface for inputting (or selecting) product payment request information. It transmits to the terminal through the output (1505).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting / receiving goods payment request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information through the user interface (1510).

If the terminal receives (or selects) goods payment request information including the gift certificate account information, product price information, transaction authentication information, and gift certificate type information through the user interface (1515), the terminal establishes the communication channel. The gift certificate account information, the product price information, the transaction authentication information, the gift certificate type information is transmitted to the server (1520) through the communication channel input (or selected) from the terminal through the communication channel The transmission of the information, the product price information, the transaction authentication information, the gift certificate type information to the server, through the security module (not shown) provided with the product payment request information input (or selected) through the user interface Preferably, the method further comprises transmitting the digital signature and / or encryption to the server.

Here, the gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the gift certificate account opening system shown in Figure 1 or 8, Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g. It may further include at least one or more information, such as a branch code), contact information (for example, the name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

Thereafter, the server receives and reads the product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information through the communication channel to validate the product payment request information. Checking (1525), and checking the validity of the product payment request information, if the product payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the product payment Decrypting the request information, and / or decrypting the goods payment request information is preferably made.

In addition, in the characteristic of the non-face-to-face online payment processing system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validation of the product payment request information may be performed by the security code information. And security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the financial system 1450 in response to the gift certificate account, and corresponding to the transaction authentication information. Preferably, the security code information is included. The security code information is preferably matched. When the security code information corresponding to the transaction authentication information is matched, the validity of the product payment request information is verified.

In addition, due to the characteristics of the non-face-to-face online payment processing system shown in FIG. 14, the product payment request information is provided with a predetermined encryption key (eg, an encryption key provided in the customer terminal 1460, or an authorization issued to a customer). In the case of encryption through the encryption key included in the certificate), the validity check on the product payment request information decrypts the encrypted product payment request information (or at least one or more financial transaction information included in the product payment request information), It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the commodity payment request information is preferably authenticated.

If the validity of the product payment request information is not authenticated (1530), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1535), and the communication channel. The product payment result information including the financial transaction processing history is transmitted to the terminal through the terminal 1570. In response, the terminal outputs the financial transaction result including the financial transaction processing history (1575).

On the other hand, if the validity of the product payment request information is authenticated (1530), the server checks whether the gift certificate can be issued for the gift certificate type information included in the received product payment request information (1540).

If it is not possible to issue a gift certificate (1545), the server exchanges the blank gift certificate value (or gift certificate) deposited in the gift certificate account in connection with the relay server 1455 (1550).

The gift certificate type information included in the exchange information is xxx gift certificate and yyy gift certificate, the exchange rate information on xxx gift certificate is 5% discount, and the gift certificate that can be issued by a financial institution equipped with the gift certificate account is xxx gift certificate. If the gift certificate that can be used in the shopping mall is yyy gift certificate, when requesting to convert the xxx gift certificate 100,000 to yyy gift certificate, the relay server 1455 purchases the xxx gift certificate as 95,000, and the yyy gift certificate corresponding to the cash for the purchased 95,000. It is desirable to provide.

Thereafter, the server is linked with the financial system 1450 having an account ledger corresponding to the gift certificate account, based on the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information included in the product payment request information. A financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall is processed (1550).

According to an embodiment of the present invention, the server is linked with the financial system 1450 from the account ledger corresponding to the gift certificate account information included in the product payment request information corresponding to the blank gift certificate value (or gift certificate) ) And deposit the withdrawal amount into the shopping mall account (that is, transfer from the gift certificate account to the shopping mall account), and the deposit into the shopping mall account is made in cash after the settlement process. Or you can deposit it as a gift certificate.

In addition, the server withdraws the blank gift certificate value (or gift certificate) corresponding to the product price information from the account ledger corresponding to the gift certificate account information included in the product payment request information in connection with the financial system 1450, It is preferable to deposit the withdrawn blank gift certificate value (or gift certificate) into the account of the institution which operates the relay server 1455, and the deposit to the account of the institution which operates the relay server 1455 is settled. Later, it may be deposited in cash or as a gift certificate.

If a financial transaction corresponding to the product payment request information is processed (1560), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1565, the product payment result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1570). In response, the terminal receives the financial transaction result including the financial transaction processing history. The screen is output (1575).

16A, 16B, and 16C illustrate a gift certificate deposited in a gift certificate account in a non-face-to-face manner in order to utilize a gift certificate deposited in a gift certificate account as a payment method in an online shopping mall, according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for use as a payment method.

In more detail, FIGS. 16A, 16B, and 16C illustrate a case in which the client terminal is TCP / IP when the online payment processing system shown in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server through a network based on the Internet (eg, the Internet) and performing a predetermined customer authentication procedure, the client terminal may use a gift certificate deposited in a gift certificate account as a payment means in an online shopping mall. When the product payment request information including the product payment request information of the gift certificate account information, product price information, transaction authentication information, and gift certificate type information is transmitted to the Internet banking server, the payment processing server 1400 receives the received information. Gift certificate account information, product price information, transaction authentication information, and gift voucher included in the product payment request information The present invention relates to a method of providing a financial transaction for utilizing a gift certificate deposited in the gift certificate account as a payment means in an online shopping mall by using the class information, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying FIGS. 16A, 16B, and 16C, various processes for processing a financial transaction for using a gift certificate deposited in a gift certificate account in a non-face-to-face manner other than the Internet banking as a payment method in an online shopping mall. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIGS. 15A and 15B.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 16A, 16B, and 16C, Although the implementation method of connecting the Internet banking-based financial transaction channel for registering the product payment request information between the client terminal and the Internet banking server based on the browser program is shown, those of ordinary skill in the art to which the present invention pertains. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 16a, 16b, and 16c. And internet banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering product payment request information between servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 16a, 16b and 16c, Financial transactions for utilizing a gift certificate deposited in the gift certificate account as a payment method in an online shopping mall in all other types of non-face-to-face banking systems including at least one of a telebanking system and / or a wireless banking system and / or a TV banking system. It would be possible to infer an implementation method of linking a financial transaction channel corresponding to each non-face-to-face channel for processing, but the present invention provides such a telebanking system and / or a wireless banking system and / or a TV banking system and / or a future proposal. Including all types of non-face-to-face channel-based financial transactions, including non-face-to-face banking systems. , It is a technical configuration of the present invention limited to the case of the Internet banking illustrated in the figure 16a and figure 16b and 16c drawings in no way.

In the following FIGS. 16A, 16B and 16C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the payment processing server 1400 is referred to as a "server" for convenience.

16A, 16B, and 16C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1600a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1610a).

If a predetermined security module is to be installed and / or updated in the terminal (1615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1620a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1625a), or if the terminal does not need to mount and / or update the Internet banking security module (1615a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registration of product payment request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another 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 Attaching a predetermined digital signature to the data) and / or encrypting and providing at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of product payment request information. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1635a).

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1640a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1645a).

If the Internet banking customer authentication fails (1650a), the server blocks the Internet banking secure channel for the terminal (1655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1650a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1660a), where the Internet banking-based The financial transaction channel refers to the Internet banking-based financial transaction from the server by transmitting product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information from the terminal to the server. Means a communication channel capable of processing.

Thereafter, the terminal requests an internet banking-based financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall to the server through the financial transaction channel (1600b), and the server correspondingly Entering (or selecting) product payment request information including at least one of gift certificate account information, product price information, transaction authentication information, and gift certificate type information for using the gift certificate deposited in the gift certificate account as a payment method in an online shopping mall. A web page including a user interface is generated (or extracted), transmitted to the terminal through the financial transaction channel, and output (1605b).

Thereafter, the terminal inputs (or selects) product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information through the user interface (1610b).

If the terminal receives (or selects) product payment request information including the gift certificate account information, product price information, transaction authentication information, and gift certificate type information through the user interface (1615b), the terminal receives the financial transaction channel. The input (or selected) gift certificate account information, product price information, transaction authentication information, gift certificate type information is transmitted to the server (1620b), the input (or selected) through the financial transaction channel in the terminal Transmitting the gift certificate account information, product price information, transaction authentication information, gift certificate type information to the server, the security module (not shown) provided with the product payment request information input (or selected) through the user interface (not shown) It is preferable to further comprise transmitting to the server by digital signature and / or encryption through.

Here, the gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the gift certificate account opening system shown in Figure 1 or 8, Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g. It may further include at least one or more branch information, contact person information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

Thereafter, the server receives and reads the product payment request information including at least one of the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information through the financial transaction channel, thereby validating the product payment request information. Confirming (1625b), and checking the validity of the product payment request information, if the product payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, And decrypting the payment request information and / or decrypting the goods payment request information.

In addition, the validity check of the product payment request information is an account provided in the ledger D / B on the financial system 1450 in response to various passwords and the gift certificate account corresponding to the transaction authentication information included in the product payment request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the goods payment request information is authenticated.

In addition, due to the characteristics of the non-face-to-face online payment processing system shown in FIG. 14, the electronic device of the customer is provided through a predetermined private key (for example, an encryption key including an accredited certificate issued to a customer). When the signature is attached, the validity verification of the goods payment request information includes the electronic signature of the customer for the goods payment request information (or at least one or more financial transaction information included in the goods payment request information) to which the electronic signature is attached. It is preferable to include a confirmation, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the product payment request information is authenticated.

If the validity of the product payment request information is not authenticated (1630b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1630b), and the financial transaction The product payment result information including the financial transaction processing history is transmitted to the terminal through a channel (1630c), and correspondingly, the terminal outputs the financial transaction result including the financial transaction processing history (1635c).

On the other hand, if the validity of the commodity payment request information is authenticated (1630b), the server checks whether the voucher can be issued for the gift certificate type information included in the received commodity payment request information (1600c).

If it is not possible to issue a gift certificate (1605c), the server exchanges and processes the blank gift certificate value (or gift certificate) deposited in the gift certificate account in connection with the relay server 1455 (1610c).

Thereafter, the server is linked with the financial system 1450 having an account ledger corresponding to the gift certificate account, based on the gift certificate account information, the product price information, the transaction authentication information, and the gift certificate type information included in the product payment request information. The financial transaction for utilizing the gift certificate deposited in the gift certificate account as a payment means in the online shopping mall is processed (1615c).

If a financial transaction corresponding to the product payment request information is processed (1620c), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1625c), through the communication channel, the product payment result information including the financial transaction processing history is transmitted to the terminal (1630c), and correspondingly, the terminal transmits the financial transaction result including the financial transaction processing history. The screen is output (1635c).

According to the present invention, a graphic user interface program produced by a financial institution (or a financial institution affiliated company) and distributed to a customer terminal requires high security functions among financial transactions frequently used by the customer in Internet banking (or wireless banking). By providing a variety of inquiry transactions that do not do, or various payment transactions with a predetermined transaction amount, or a small transfer transaction function, it is possible to easily and conveniently handle non-face-to-face financial transactions without accessing the Internet banking through the browser. have.

Claims

If the customer authentication is confirmed, a graphical user interface for selecting a transaction type corresponding to at least one or more Internet banking functions frequently used by the customer among a plurality of Internet banking functions used by the customer is provided. A first output function for processing to be output to a predetermined area on the desktop;

A second output function for processing a graphic user interface for inputting at least one transaction information and transaction authentication information corresponding to a selected transaction type through the graphic user interface to be output to a predetermined region on the desktop of the operating system (or platform);

The financial transaction information including at least one of the customer's Internet banking account information, transaction information, and transaction authentication information is transmitted to a server on a communication network so that the financial transaction is processed, and a graphical user interface for outputting the financial transaction result is provided. Or a platform) a third output function for processing to be output to a predetermined area on a desktop; and a program for executing the recording.

If the customer authentication is confirmed, a graphical user interface for selecting a transaction type corresponding to at least one or more Internet banking functions frequently used by the customer among a plurality of Internet banking functions used by the customer is provided. Platform) a first output function for processing to be output to a predetermined area on the desktop;

A second output function for processing a graphic user interface for inputting at least one transaction information and transaction authentication information including a transaction amount corresponding to the selected transaction type to be output to a predetermined area on the desktop of the operating system (or platform);

A validity checking function for checking whether the input transaction amount exceeds a transaction limit amount corresponding to the transaction type;

The method of claim 1 or 2, wherein the second output function,

If the selected transaction type includes an inquiry transaction, the Internet banking account information of the customer is automatically input on the graphic user interface, and the inquiry period information and transaction authentication information for the inquiry transaction are input through the graphic user interface. An input / output control function for controlling to perform; or

If the selected transaction type includes a transfer transaction, the Internet banking account information of the customer and the beneficiary information (or the beneficiary account information) corresponding to the transfer transaction are automatically entered on the graphical user interface, and the graphical user interface is entered. An input / output control function for controlling input of transaction amount information and transaction authentication information for the transfer transaction; or

When the selected transaction type includes a payment transaction, the Internet banking account information of the customer, the billing institution information corresponding to the payment transaction, and the payment amount are automatically input on the graphic user interface, and the transaction is performed through the graphic user interface. And an input / output control function for controlling to input authentication information. The computer-readable recording medium of claim 1, further comprising executing a program.

A graphic user interface for identifying at least one or more Internet banking functions frequently used by the customer among a plurality of Internet banking functions used by the customer, and selecting a transaction type corresponding to the identified Internet banking function, and corresponding to the selected transaction type A program providing server providing a graphic user interface program including at least one graphic user interface for inputting at least one transaction information and transaction authentication information, and a graphic user interface for outputting financial transaction results;

A communication network that processes the financial transaction corresponding to the financial transaction information after receiving the financial transaction information input through the graphic user interface from a computer (or terminal) which has downloaded and installed the graphic user interface program. Server on the financial transaction processing system using a graphical user interface, characterized in that comprises a.