KR20090018754A

KR20090018754A - Method for processing certificate for financial transaction customer using graphic user interface and server, program recording medium

Info

Publication number: KR20090018754A
Application number: KR1020070083101A
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 method and a server for authenticating a financial transaction customer with a GUI(Graphic User Interface) offering financial transaction, and a program recording medium thereof are provided to offer a financial transaction customer authentication server using the GUI. A first output function outputs a GUI for selecting a transaction type to a predetermined area of an OS wallpaper of a customer terminal. A second output function outputs the GUI to a predetermined area of the OS wallpaper. A transaction function adds terminal address authentication information, which includes IP(Internet Protocol) and MAC(Media Access Control) addresses of a computer, to financial transaction information, and transmits the information to a server on the network. A third output function outputs the GUI to a predetermined area of the OS wallpaper.

Description

Method for Processing Certificate for Financial Transaction Customer using Graphic User Interface and Server, 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 GUI program in a customer terminal according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of downloading and remotely mounting a GUI program to a customer terminal according to one embodiment of the present invention.

4A and 4B illustrate a process of downloading and remotely mounting a GUI program to a customer terminal according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a configuration of a GUI program function recorded on a recording medium of a customer terminal in order to provide a GUI banking function in the form of a graphical 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.

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

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

9 is a diagram illustrating a process of outputting a GUI banking interface for inputting transaction information for GUI banking to a predetermined area on a desktop and processing GUI banking corresponding to the input transaction information according to an embodiment of the present invention. to be.

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

100: program providing server 105: customer authentication affiliate server

110: GUI banking server 115: customer terminal

The present invention, when receiving the customer account authentication information input through the graphical user interface at the computer (or terminal), the customer account authentication information, the IP (Internet Protocol) address of the computer (or terminal), MAC (Media Access) Control) the client account authentication information in association with a storage medium for storing the terminal address authentication information including the address and the account address authentication information including at least one of the personal homepage address, blog address, and e-mail address of the customer; When the terminal address authentication information is attached to the financial transaction information including at least one of customer account information, transaction information, transaction authentication information, and account address authentication information input through the graphic user interface, the storage medium and Authenticate the terminal address authentication information in association with each other, and include the financial transaction information in association with the storage medium. Authenticating the account address authentication information, authenticating the transaction authentication information included in the financial transaction information at a server, and financing corresponding to the customer account information and transaction information included in the financial transaction information at a server. The present invention relates to a financial transaction customer authentication processing method using a graphic user interface including a transaction processing.

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, the customer account authentication information, the terminal address authentication information including the IP (Internet Protocol) address, MAC (Media Access Control) address of the computer (or terminal), and the customer When the storage medium and the account information authentication information including at least one personal homepage address, blog address, e-mail address is stored in association with the customer account authentication information received through a graphical user interface at the computer (or terminal), The client account authentication information is authenticated in association with a storage medium, and terminal address authentication is performed on the financial transaction information including at least one of customer account information, transaction information, transaction authentication information, and account address authentication information input through the graphical user interface. When the information is attached and received, the terminal address authentication information is authenticated in association with the storage medium, A customer authentication unit for authenticating the account address authentication information included in the financial transaction information in association with a medium, a banking authentication unit for authenticating the transaction authentication information included in the financial transaction information, and the financial transaction information included in the financial transaction information. The present invention provides a financial transaction customer authentication processing server using a graphic user interface including a banking processor configured to process financial transactions corresponding to customer account information and transaction information.

The computer-readable recording medium according to the present invention, when the customer authentication through the customer account authentication information is confirmed, processing a graphic user interface for selecting a transaction type to be output to a predetermined area on the desktop of the customer terminal operating system (or platform) A first output function, customer account information, at least one transaction information and transaction authentication information corresponding to the selected transaction type, and external account address information of the customer (personal homepage address, blog address, e-mail address, etc.); A second output function for processing a graphic user interface for inputting account address authentication information to be output to a predetermined area on the desktop of the operating system (or platform); and the customer account information, transaction information, transaction authentication information, and account address authentication information. A share of the computer (or terminal) in the financial transaction information that includes at least one A transaction function for attaching terminal address authentication information including information-an Internet Protocol (IP) address, a MAC (Media Access Control) address, etc., to be transmitted to a server on a communication network, and the customer account authentication information and account address authentication information. And a third output function for processing a graphic user interface for outputting the financial transaction result processed through the terminal address authentication information and the transaction authentication information to be output to a predetermined region on the desktop of the operating system (or platform). Characterized in that recorded.

On the other hand, the computer-readable recording medium according to the present invention, if the customer authentication is confirmed through the customer account authentication information, so that a graphic user interface for selecting a transaction type to be output to a predetermined area on the desktop of the customer terminal operating system (or platform) A first output function for processing and a graphic user interface for inputting customer account information and at least one transaction information and transaction authentication information corresponding to the selected transaction type to be output to a predetermined area on the desktop of the operating system (or platform); Address information-IP (Internet Protocol) address of the computer (or terminal) in the financial transaction information including at least one second output function, the customer account information, the transaction information, the transaction authentication information, and the account address authentication information; Attach terminal address authentication information including MAC (Media Access Control) address A transaction function for processing transmission to a server on a network; and a graphical user interface for outputting the financial transaction result processed through the customer account authentication information, account address authentication information, terminal address authentication information, and transaction authentication information. Or platform) a program for executing a third output function for processing to be output to a predetermined area on the desktop.

Financial transaction customer authentication processing server using a graphical user interface according to the present invention, the terminal address authentication information including the customer account authentication information, the IP (Internet Protocol) address, MAC (Media Access Control) address of the computer (or terminal) And a storage medium for storing and storing account address authentication information including at least one personal homepage address, a blog address, and an e-mail address of the customer, and the customer account authentication information input through a graphic user interface from a computer (or terminal). When received, authenticate the customer account authentication information in association with the storage medium, financial transaction information including at least one or more customer account information, transaction information, transaction authentication information and account address authentication information input through the graphical user interface When the terminal address authentication information is attached to and received, the terminal is connected with the storage medium. A customer authentication unit for authenticating address authentication information, authenticating the account address authentication information included in the financial transaction information in association with the storage medium, and a banking authentication unit for authenticating the transaction authentication information included in the financial transaction information. And a banking processor configured to process a financial transaction corresponding to the customer account information and the transaction information included in the financial transaction information.

On the other hand, the financial transaction customer authentication processing method using the graphical user interface according to the present invention, when receiving the customer account authentication information input via the graphical user interface from the computer (or terminal), the customer account authentication information and the computer ( Or a terminal address authentication information including an IP (Internet Protocol) address and a MAC (Media Access Control) address of the terminal), and an account address authentication information including at least one of a personal homepage address, a blog address, and an e-mail address of the customer. Financial transaction information including at least one of customer account information, transaction information, transaction authentication information, and account address authentication information inputted through the graphical user interface in association with a storage medium to be stored and stored therein; When the terminal address authentication information is attached to and received, the terminal owner in association with the storage medium. Authenticating the small authentication information, authenticating the account address authentication information included in the financial transaction information in association with the storage medium, and authenticating the transaction authentication information included in the financial transaction information at a server; And processing a financial transaction corresponding to the customer account information and the transaction information included in the financial transaction information at the server.

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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

In more detail, FIG. 1 is a graphical user interface (GUI) program (hereinafter referred to as a "GUI program") provided to a customer terminal 115 by a financial institution (or an affiliate of a financial institution). As a system configuration for providing non-face-to-face financial transactions (hereinafter referred to as "GUI banking") function using a customer account, the user terminal 115 processes the GUI banking through the GUI program. For those skilled in the art to which the present invention pertains, various inferences on how to construct a banking system for providing non-face-to-face financial transactions through the graphical user interface program by referring to and / or modifying the drawing 1 are as follows. It should be noted that the present invention encompasses all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 1, a banking system that provides non-face-to-face financial transactions through the graphical user interface program includes a GUI program having the GUI banking function in a GUI program provided by the financial institution (or an affiliated institution of the financial institution). In conjunction with the customer terminal 115 equipped with a, a program providing server 100 for downloading and mounting the GUI program to the customer terminal 115 via a communication network, and the GUI program provided in the customer terminal 115 And a GUI banking server 110 for processing a financial transaction corresponding to the GUI banking. A personal homepage account, a blog account, and an e-mail address account of the customer are assigned to the customer terminal 115. When providing the GUI program (or GUI banking processing using the GUI program), the program providing server 100 (or GUI banking server 110) and And a financial system in which a customer authentication alliance server 105 for cooperating with the customer account using the external account address information and at least one customer account corresponding to the GUI banking processing the GUI program are opened. It is done.

The customer terminal 115 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the mobile communication terminal, or a communication terminal connected to a code division multiple access (CDMA) based mobile communication network, and / or an IEEE 802.16 based high speed wireless network. And at least one wireless terminal including at least one portable internet terminal communicatively connected to the internet, and / or at least one wireless data communication terminal communicatively connected to a DataTAC / Mobitex-based wireless data communication network. 115) is characterized in that the default output of the desktop corresponding to the operating system (or platform) The graphic user interface corresponding to the GUI program is output to a predetermined area on the background screen.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 115 corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience. do.

The program providing server 100 may include a GUI program corresponding to an operating system (or platform) of the customer terminal 115 among servers operated by the financial institution (or an affiliated institution of the financial institution). It characterized in that it comprises a server for processing to be downloaded and mounted as.

The customer authentication affiliate server 105 is a web server to which a personal homepage account, a blog account, and an e-mail address account of the customer are assigned, and the program providing server 100 provides the GUI program to the customer terminal 115. (Or the time point when the GUI banking server 110 processes the GUI banking using the GUI program) in connection with the program providing server 100 (or the GUI banking server 110), the customer authentication using the external account address information Characterized in that, if the financial institution (or affiliated institutions of the financial institution) is not affiliated with the institution that operates the customer authentication affiliate server 105, the customer authentication affiliate server 105 may be omitted. The present invention is not limited thereto.

The GUI banking server 110 inputs (or selects) financial transaction information corresponding to a non-face-to-face financial transaction through the GUI program at the client terminal 115 and includes the input (or selected) financial transaction information. When the financial transaction request information is transmitted, the financial institution is configured to receive the financial transaction request information through the communication network and to process the non-face-to-face financial transaction corresponding to the financial transaction request information in connection with the financial system. Characterized in that it comprises at least one server (or server group).

2 is a diagram showing the configuration of a program providing system for mounting a GUI program in a customer terminal 115 according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that a GUI program using a GUI program is downloaded to the customer terminal 115 from a server provided on a network to which the customer terminal 115 is connected (or communicated with). The configuration of the program providing system for recording on the recording medium provided at 115), if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 2 to the customer terminal 115 Various implementation methods for the program providing system mounting the GUI program may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to mount a GUI program to the customer terminal 115, and then use the GUI through a separate information registration system. It will be possible to infer an implementation method of registering and registering GUI banking setting information corresponding to at least one GUI banking function in a program and mounting it in the GUI program, and it is apparent that the present invention includes all implementation methods inferred. It is to be revealed.

Here, the GUI program operates all programs on the operating system (or platform) included in the customer terminal 115, and outputs all the programs outputting the processing result to a predetermined area on the background screen corresponding to the operating system (or platform). It is characterized by comprising.

Hereinafter, in FIG. 2, a server for processing a GUI program for non-face-to-face financial transactions is downloaded to the customer terminal 115 and recorded on a recording medium provided in the customer terminal 115 for convenience. 100) ".

Referring to FIG. 2 according to an embodiment of the present invention, the program providing system accesses the program providing server 100 through a predetermined communication network, and downloads a predetermined GUI program for non-face-to-face financial transactions on a recording medium. And a program providing server 100 connected to the customer terminal 115 through a predetermined communication network and providing a predetermined GUI program for non-face-to-face financial transactions to the customer terminal 115. It is done by

The customer terminal 115 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a notebook computer connected to the program providing server 100 and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal including at least one mobile communication terminal and / or a portable internet terminal connected to IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises above, the customer terminal 115 is the enemy provided by the program providing server 100 Function to output at least one interface screen, input (or select) predetermined GUI program request information for downloading and remote mounting the GUI program via the interface screen to transmit to the program providing server 100 (E.g., a browser program and a communication function) is preferably provided.

According to an embodiment of the present invention, when the customer terminal 115 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the customer terminal 115 is a wireless terminal, the communication network The CDMA-based mobile communication network, and / or IEEE 802.16 based high-speed wireless Internet, and / or DataTAC / Mobitex-based wireless data communication network comprises at least one or more.

According to the present invention, the program providing server 100 connects and manages a predetermined communication channel with the customer terminal 115 through the communication network to provide a web interface corresponding to the customer terminal 115 and the communication network. It characterized in that it comprises an interface unit 200, whereby the program providing server 100 has a function of a web server that is connected to communicate with the customer terminal 115 through a wired communication network and / or a wireless communication network. do.

According to an embodiment of the present invention, when the customer terminal 115 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 200 may connect the customer terminal 115 with HTTP ( Interface screen including an information input interface in the form of a Hyper-Text Markup Language (HTML) compatible document to connect to a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol and to the customer terminal 115 through the communication channel. It is preferable to connect and manage a communication channel for transmitting and outputting the data, and receiving and processing information input through the information input interface from the customer terminal 115.

According to another exemplary embodiment of the present invention, when the customer terminal 115 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 200 is connected to the customer terminal 115 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the information in the form of WML (Wireless Markup Language) and / or HTML compatible document to the customer terminal 115 through the communication channel. It is preferable to connect and manage a communication channel that transmits and outputs an interface screen including an input interface and receives and processes information input through the information input interface from the customer terminal 115.

According to another exemplary embodiment of the present invention, when the customer terminal 115 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless communication network, the interface unit 200 may communicate with the customer terminal 115. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, transmit and output an interface screen including a predetermined information input interface to the customer terminal 115 through the communication channel, and output the result. It is preferable to connect and manage a communication channel for receiving and processing information input through the information input interface from the 115, or the customer terminal 115 is connected to the communication channel via a DataTAC / Mobitex-based wireless communication network In the case of a wireless terminal, the interface unit 200 is based on a wireless protocol corresponding to the customer terminal 115 and the DataTAC / Mobitex standard. Connects a predetermined communication channel, transmits and outputs an interface screen including a predetermined information input interface to the customer terminal 115 through the communication channel, and outputs from the customer terminal 115 through the information input interface. It is desirable to connect and manage a communication channel for receiving and processing input information.

According to the present invention, the program providing server 100 is connected to the interface unit 200 when a predetermined customer terminal 115 is connected to the program providing server 100 through the interface unit 200 An interface providing unit 205 for generating (or extracting) an interface screen including an information input interface for inputting (or selecting) and transmitting predetermined GUI program request information from the customer terminal 115; and the customer terminal. And an information receiver 210 for receiving GUI program request information including the customer information from the user 115, wherein the information receiver 210 receives the GUI program request information from the customer terminal 115. At the time of receiving the Internet Protocol (IP) for the customer terminal 115 based on a communication protocol connecting the interface unit 200 and the customer terminal 115. l) It is preferable to check the terminal address authentication information including at least one of address information, MAC (Media Access Control) address information, and telephone number information.

The interface providing unit 205 has a functional configuration (eg, a customer) provided to the customer terminal 115 when a predetermined customer terminal 115 is connected to the program providing server 100 through the interface unit 200. An interface screen including an information input interface for inputting (or selecting) predetermined GUI program request information to the program providing server 100 through the communication network in response to a browser program provided in the terminal 115; Generating and / or extracting from a predetermined database (not shown) and providing the generated (or extracted) interface screen to the customer terminal 115 through the communication network in association with the interface unit 200. It features.

Thereafter, the customer terminal 115 inputs (or selects) predetermined GUI program request information based on the interface screen, and transmits the input (or selected) GUI program request information through the communication network to the program providing server ( 100).

Here, the GUI program request information is characterized by including the customer information of the customer (for example, the name, resident registration number, address, contact information, etc. of the customer).

The GUI program request information may include customer account authentication information including customer account information (eg, ID information and password information) registered by the customer for GUI banking through the GUI program. When the providing server 100 and the GUI banking server are the same server or share the customer account information, and log in to the program providing server 100 in the customer terminal 115, the GUI program request information is displayed in the customer. The account authentication information may be omitted, and the present invention is not limited thereto.

In addition, the GUI program request information is IP (Internet Protocol) address information, MAC (Media Access Control) address information and telephone number information for the customer terminal 115 is confirmed through the communication network connected to the customer terminal 115 It is preferable to further comprise a terminal address authentication information including at least one, the program providing server 100 to the IP address information and MAC address information and telephone number information of the customer terminal 115 through a communication protocol If it can be confirmed, the terminal address authentication information may be omitted in the GUI program request information, thereby not limited to the present invention.

In addition, the GUI program request information is based on a personal home page including server address information for the personal home page account for the customer and the customer authentication affiliate server 105 (eg, personal homepage management web server) assigned the personal home page account Blog-based external account address information, including external account address information, server account information for the customer account affiliate server 105 (e.g., blog server) to which the blog account for the customer and the blog account are assigned, and for the customer. It further includes account address authentication information including at least one of a mail account and mail-based external account address information including server address information for the customer authentication affiliate server 105 (eg, a mail server) to which the mail account is assigned. It is preferable to make it.

For example, if the customer's personal homepage account is "kdhong" and the server address information for the customer authentication affiliate server 105 (eg, personal homepage operating web server) to which the personal homepage account is assigned is "abcd.com", The personal homepage-based external account address information may be formed in the form of "kdhong.abcd.com" or "abcd.com/kdhong".

Or, if the client's blog account is " kdhong " and the server address information for the customer authentication affiliate server 105 (e.g., blog server) to which the blog account is assigned is " abcd.com " The address information is preferably made in the form of "kdhong.abcd.com" or "abcd.com/kdhong".

Or, if the mail account of the customer is " kdhong " and the server address information for the customer authentication affiliate server 105 (e.g., mail server) to which the mail account is assigned is " abcd.com " The address information is preferably made in the form of "kdhong@abcd.com".

When the customer terminal 115 inputs (or selects) GUI program request information including the customer information through the interface screen, the information receiving unit 210 receives the GUI program request information through a communication network. At the time of receiving the GUI program request information from the customer terminal 115, the customer terminal 115 based on a communication protocol connecting the interface unit 200 and the customer terminal 115. It is preferable to check terminal address authentication information including at least one of IP (Internet Protocol) address information, MAC (Media Access Control) address information, and telephone number information.

According to the present invention, the program providing server 100 is provided with at least one GUI banking function in the GUI program to provide to the customer terminal 115, in conjunction with the interface unit 200, the customer terminal ( An interface providing unit 205 for generating (or extracting) an interface screen including an information input interface for inputting (or selecting) and transmitting predetermined GUI banking setting information at 115; and the customer terminal 115; Confirming at least one customer account information to be included in the GUI program in connection with a financial system based on the information receiving unit 210 for receiving the customer information GUI banking setting information from the customer information included in the GUI program request information It is characterized by comprising an information confirmation unit 215 to.

When the GUI program request information is received from the customer terminal 115, the interface providing unit 205 is provided in the functional configuration (for example, a browser program provided in the customer terminal 115) provided in the customer terminal 115; Correspondingly input (or select) GUI banking setting information for mounting the GUI banking function to the GUI program in the form of a graphical user interface, and transmit an information input interface for transmitting to the program providing server 100 through the communication network. Create an interface screen that includes, and / or extracts from a predetermined database (not shown), and the customer terminal 115 through the communication network to the interface screen generated (or extracted) in conjunction with the interface unit 200 It is characterized by providing in).

Thereafter, the customer terminal 115 selects a financial transaction type selection information corresponding to a GUI banking transaction type to be provided through the GUI program based on the interface screen, transaction target information corresponding to the selected financial transaction type, and a transaction. Input (or select) GUI banking setting information including at least one limit value information and transaction authentication information, and transmit the input (or select) GUI banking setting information to the program providing server 100 through the communication network. do.

According to another embodiment of the present invention, the information input interface includes a user interface for integrating and inputting the GUI program request information and the GUI banking setting information, and setting the GUI program request information and the GUI banking in the customer terminal 115. The integrated information may be transmitted to the program providing server 100, and the present invention is not limited thereto.

In order to provide the GUI program with the GUI banking function and to provide it to the client terminal 115, the GUI banking setting information may be provided through the GUI program among financial transaction types corresponding to the GUI banking target customer account of the customer. And at least one or more financial transaction type selection information corresponding to the GUI banking transaction type to be provided, transaction target information corresponding to the selected financial transaction type, transaction limit amount information, and transaction authentication information.

The financial transaction type selection information for loading the GUI banking function into the GUI program in the form of a graphical user interface may include a query transaction for the GUI banking target customer account or a transfer transaction for at least one transaction target account. , Or at least one bill payment transaction for at least one billing institution.

Those skilled in the art to which the present invention pertains, in addition to the inquiry transaction, transfer transaction, bill payment transaction, other types of non-face-to-face financial transactions (e.g. card payment amount inquiry, loan interest / monthly payment deposit transaction, tuition fee) Payment, online payment, etc.), and the present invention is characterized by including all types of inferred non-face-to-face financial transactions.

In addition, the transaction target information for loading the GUI banking function into the GUI program in the form of a graphical user interface may include predetermined information from the GUI banking target customer account when the financial transaction type selection information includes the transfer transaction. Preferably, an amount is withdrawn and includes transaction target account information. When the financial transaction type selection information includes the utility bill payment transaction, a predetermined bill is withdrawn and paid from the GUI banking target customer account. It is preferable to include billing institution information.

Those skilled in the art to which the present invention pertains may infer or omit various types of transaction target information according to the financial transaction type selection in addition to the transaction target information, and the present invention may be inferred. It is characterized by including all kinds of non-face-to-face financial transactions.

Further, the transaction limit amount information for loading the GUI banking function into the GUI program in the form of a graphic user interface may include a financial transaction corresponding to the financial transaction type selection information, and a predetermined amount may be withdrawn from the GUI banking target customer account. In the case of including a financial transaction that is deposited into at least one transaction object corresponding to the transaction information, it is preferable to include information for setting a limit amount for the financial transaction.

For example, when the financial transaction corresponding to the financial transaction type selection information includes a transfer transaction (or online payment settlement, etc.), the transaction limit amount information may include 30,000 won.

Alternatively, when the financial transaction corresponding to the financial transaction type selection information includes a utility payment transaction (or loan interest / monthly payment transaction, tuition payment, etc.), the transaction limit amount information is limited to the payment (or deposit) amount. It is preferable to be processed so that each financial transaction is automatically set.

The transaction authentication information for loading the GUI banking function into the GUI program in the form of a graphic user interface includes financial transaction authentication information for processing a financial transaction corresponding to the financial transaction type selection information through a graphic user interface. It is preferable to make it.

According to an exemplary embodiment of the present invention, the transaction authentication information may include a password information for the GUI banking target customer account and a financial transaction password (or financial transaction authentication code) corresponding to the selected financial transaction type for the GUI banking target customer account. It is preferable to include at least one, and according to the intention of the skilled person, the transaction authentication information is security code information (for example, at least two or more security code combination provided on the security card provided to the customer during the Internet banking subscription process of the customer) ), One time password (OTP) code information (eg, an OTP code generated by the OTP generator provided to the customer during the internet banking subscription process), mobile phone authentication code information (eg, the mobile phone (or wireless) of the customer At least one or more random number codes transmitted to the terminal) This is preferred.

When the customer terminal 115 inputs (or selects) GUI banking setting information including the customer information through the interface screen, the information receiving unit 210 receives the GUI banking setting information through a communication network. It is characterized by.

When the GUI banking setting information is received, the information checking unit 215 checks the financial system (or financial institution) in which the customer account is opened based on the customer information included in the GUI banking setting information, and the financial system. Check a customer account (e.g., real account, internet banking account, online account, virtual account, etc.) of the customer name corresponding to the customer information, and include at least one of the identified customer accounts to be included in the GUI program. Characterized in that identifying one or more customer account information.

According to an exemplary embodiment of the present invention, when at least one customer account corresponding to the customer information is identified in connection with the financial system, the information checking unit 215 may be connected with the interface providing unit 205. Provide an interface screen for selecting at least one customer account to be included in the GUI program among the identified customer accounts to the customer terminal 115, and select at least one customer account to be included in the GUI program from the customer terminal 115. After receiving the information, it is preferable to confirm the customer account information corresponding to the customer account selection information.

According to another exemplary embodiment of the present invention, when the customer account of at least one or more customer names corresponding to the customer information is confirmed in connection with the financial system, the information checking unit 215 may be one of the plurality of confirmed customer accounts. It is preferable to confirm at least one customer account information capable of the GUI banking.

According to the present invention, the program providing server 100 validates the validity of the customer account authentication information, terminal address authentication information, account address authentication information included in the GUI program request information (or confirmed through some of the communication protocol). Characterized in that the authentication information confirmation unit 220 to confirm.

When the customer program authentication information is included in the GUI program request information, the authentication information checking unit 220 is connected to the member information D / B (not shown) and the customer account authentication information included in the GUI program request information. It is desirable to verify the validity of the matching customer account information.

When the terminal address authentication information is included in the GUI program request information or the terminal address authentication information is confirmed through the communication protocol, the authentication information confirming unit 220 performs the GUI banking operation D / B 240. Check whether at least one IP (Internet Protocol) address information, MAC (Media Access Control) address information, and telephone number information matched with the terminal address authentication information are previously registered, and the GUI banking operation D / B 240 If the IP address information, the MAC address information and the telephone number information are not registered in advance, it is preferable to process the validity of the terminal address authentication information as confirmed.

When the account address authentication information is included in the GUI program request information, the authentication information checking unit 220 corresponds to the customer authentication affiliate server 105 corresponding to external account address information matching the account address authentication information through a communication network. By providing the customer information and external account address information, it is preferable that the customer authentication affiliate server 105 processes the authentication so as to confirm that the external account address is assigned to the customer.

Alternatively, the authentication information checking unit 220 by requesting the account information for the customer information to the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through the communication network, the external It is desirable to authenticate whether an account address is assigned to the customer.

According to an exemplary embodiment of the present invention, the program providing server 100 stores a program D for storing at least one or more GUI program sources (or GUI program components) and / or GUI program files to be provided to the customer terminal 115. / B and, when the GUI program request information and GUI banking setting information is received from the customer terminal 115, a predetermined GUI program corresponding to the GUI program request information and GUI banking setting information from a predetermined program D / B. A program providing unit 225 for extracting and / or dynamically generating the data and providing the same to the customer terminal 115 through the interface unit 200, and the GUI program information and at least one customer account included in the GUI program. Information and the customer information included in the GUI program request information and the GUI banking setting information are linked and stored in the GUI banking operation D / B 240. Characterized in that it comprises an information storage unit 235, and after the GUI program is downloaded and remotely mounted to the customer terminal 115 as described above, if the user terminal 115 executes the GUI program, And a diagnosis unit 230 for diagnosing validity of the GUI program in cooperation with the GUI program.

According to one embodiment of the invention, the program D / B is characterized in that for storing a predetermined GUI program file for operating in the operating system (or platform) provided in the customer terminal 115, the customer terminal When the GUI program request information and the GUI banking setting information are received from the 115, the program providing unit 225 matches the GUI program request information and the GUI banking setting information from the program D / B (eg, the Extracts a predetermined GUI program file (e.g., a program file) having a GUI banking function corresponding to the customer information, the financial transaction type information, and the customer account information included in the GUI program request information, and corresponds to the GUI program file. Program setting file (e.g., an INI file for setting up a financial transaction function of a GUI program, or a registry information file, or a data file) And the like).

According to another exemplary embodiment of the present invention, the program D / B stores a predetermined GUI program source (or GUI program component) capable of operating in an operating system (or platform) included in the customer terminal 115. When the GUI program request information is received from the customer terminal 115, the program providing unit 225 matches the GUI program request information from the program D / B (eg, the GUI program request). Extracting a predetermined GUI program source (or GUI program component) including a GUI banking function corresponding to the customer information and financial transaction type information and the customer account information included in the information, and extracting the extracted GUI program source (or GUI program) Component) to dynamically generate a predetermined GUI program to be provided to the customer terminal 115. All.

According to the method of the present invention, the GUI program is a GUI program code corresponding to the GUI banking function provided through the graphical user interface in conjunction with the operating system (or platform) provided in the customer terminal 115, and the customer Customer account information corresponding to the GUI banking target customer account of the transaction, transaction type information matching the financial transaction type selection information included in the GUI banking setting information configured to provide the GUI banking function in the form of a graphical user interface, Transaction object information included in the GUI banking setting information, limit amount information corresponding to transaction limit amount information included in the GUI banking setting information, and non-face-to-face financial transaction corresponding to the transaction type information through the GUI program code. Contains GUI banking information including at least one banking element information for processing the Be made of W are preferred.

Here, the banking element information included in the GUI banking information may include a GUI banking interface information output through the GUI program code and a method and order of inputting (or selecting) various financial transaction information through the GUI banking interface information. Encryption / control to control input / output control information to control and various encryption keys / decryption keys and encryption methods / decryption methods and encryption / decryption procedures for encrypting / decrypting various financial transaction information input through the GUI banking interface information. At least one decryption control information and transaction control information for controlling the manner and order of the transaction (Transaction) to the transaction (Transaction) through a communication network is preferably included.

Thereafter, the program providing unit 225 remotely mounts the extracted (or dynamically generated) GUI program through the communication network to the customer terminal 115 through the interface unit 200, and remotely mounts the present invention. Those skilled in the art will be familiar with how to remotely mount the GUI program (e.g., remotely mount it to the customer terminal 115 by attaching a program provider certificate). Is omitted for convenience.

When the GUI program is downloaded and remotely mounted to the customer terminal 115 as described above, the customer terminal 115 starts the GUI program diagnosis mode for authenticating the validity of the GUI program by first executing the GUI program. The diagnostic unit 230 is characterized in that the program providing server 100 diagnoses the validity of the GUI program in cooperation with the GUI program provided in the customer terminal 115.

According to an exemplary embodiment of the present invention, the GUI program diagnosis mode may be configured to execute the GUI program in the customer terminal 115 and the GUI program corresponds to a virtual non-face-to-face financial transaction with the program providing server 100. It comprises at least one of transmitting and receiving information (or data).

The information storage unit 235 corresponds to the GUI program information and the GUI program downloaded to the customer terminal 115 and recorded in the recording medium when the validity of the GUI program is confirmed as a result of the diagnosis of the diagnosis unit 230. To cooperatively process the customer banking information and the customer account information and the GUI banking setting information for mounting the GUI banking function in the GUI program in the form of a graphic user interface to be linked to a predetermined GUI banking operation D / B 240 and stored. Preferably, the GUI banking operation D / B (240) is preferably stored by further linking the customer authentication information including at least one customer account authentication information, terminal address authentication information and account address authentication information.

Thereafter, the GUI banking setting information for loading the GUI program information, the customer information, the customer account information, and the GUI banking function stored in the GUI banking operation D / B 240 into the GUI program in the form of a graphic user interface is shown in FIG. In the GUI banking system shown in Figure 1, it is used to provide non-face-to-face financial transactions through the GUI program.

According to one embodiment of the invention, the customer authentication information is preferably stored in the GUI banking operation D / B 240 to collectively authenticate the GUI banking through the GUI program.

For example, when the GUI program is executed in the client terminal 115 to access the GUI banking server, the client terminal 115 processes to authenticate the customer through at least one customer account authentication information, terminal address authentication information, and account address authentication information. It is desirable to treat the customer validity of all GUI banking after customer authentication as certified.

According to another embodiment of the present invention, the customer authentication information is preferably stored in the GUI banking operation D / B 240 to authenticate the GUI banking through the GUI program for each financial transaction type.

For example, when the GUI program is executed in the customer terminal 115 to access the GUI banking server, the client process is authenticated through the customer account authentication information, and various inquiry transactions (eg, account inquiry) through the GUI program are performed. , At the time of inquiring the amount of payment of the card payment, etc., to authenticate the customer through at least one or more customer account authentication information and terminal address authentication information, and withdraw various transactions (eg, transfer transaction, payment transaction, etc.) through the GUI program. City, it is preferable to process to authenticate the customer through at least one or more customer account authentication information, terminal address authentication information and account address authentication information.

According to another embodiment of the present invention, the customer authentication information is preferably stored in the GUI banking operation D / B 240 to authenticate the GUI banking through the GUI program for each financial transaction step.

For example, when the GUI program is executed in the client terminal 115 to access the GUI banking server, the client terminal authenticates the customer through the customer account authentication information and requests various financial transactions through the GUI program. In addition to the transaction authentication information corresponding to the financial transaction, it is preferable to process to authenticate the customer through at least one terminal address authentication information and account address authentication information.

According to another exemplary embodiment of the present invention, the program providing server 100 stores at least one GUI program source (or GUI program component) and / or a GUI program file to be provided to the customer terminal 115. / B and, when the GUI program request information and GUI banking setting information is received from the customer terminal 115, extracts a predetermined GUI program corresponding to the GUI program request information from a predetermined program D / B to the interface The program providing unit 225 provided to the customer terminal 115 through the unit 200, the GUI program information, at least one or more customer account information included in the GUI program and the customer included in the GUI program request information And an information storage unit 235 for storing the information and the GUI banking setting information in the GUI banking operation D / B 240 and linking them. In this case, when the customer authentication is confirmed through the GUI banking system shown in Figure 6 by executing the GUI program in the customer terminal 115 as described above, the GUI banking operation D through the GUI banking system D It is characterized in that the processing so that the GUI banking information corresponding to the GUI banking setting information stored in the storage in / B (240) is provided to the GUI banking program.

Here, the program D / B is characterized in that for storing a predetermined GUI program file that can operate in the operating system (or platform) provided in the customer terminal 115, the GUI program from the customer terminal 115 When request information and GUI banking setting information are received, the program providing unit 225 may provide a predetermined GUI program file (eg, a program file) matching the GUI program request information from the program D / B, and the GUI program. And extracting a program setting file (for example, an INI file for setting a financial transaction function of the GUI program, a registry information file, or a data file) corresponding to the file.

According to an embodiment of the present invention, the GUI program includes a GUI program code corresponding to a GUI banking function provided through the graphical user interface in connection with an operating system (or platform) provided in the customer terminal 115. Preferably, the GUI banking system configured to provide the GUI banking target customer account information corresponding to the GUI banking target customer account of the customer and the GUI banking function in the form of a graphical user interface through the GUI banking system shown in FIG. Transaction type information matching the financial transaction type selection information included in the setting information, transaction target information included in the GUI banking setting information, and limit amount information corresponding to the transaction limit value information included in the GUI banking setting information. And a non-face-to-face gold corresponding to the transaction type information through the GUI program code. To the banking information elements for processing the transaction, including the ability to execute the received GUI banking service information including at least one or more preferably be a luer.

Thereafter, the program providing unit 225 remotely mounts the extracted GUI program through the communication unit 200 to the customer terminal 115 through the communication network, and is remotely mounted. Those skilled in the art will be familiar with the method of remotely mounting the GUI program (for example, by remotely mounting the program provider certificate to the customer terminal 115), and thus a detailed description thereof will be omitted for convenience.

When the GUI program is downloaded and remotely mounted on the customer terminal 115 as described above, the information storage unit 235 is downloaded to the customer terminal 115 and recorded on the GUI program information and the GUI program recorded on a recording medium. Cooperative processing of corresponding customer information, customer account information, and GUI banking setting information for loading the GUI banking function into the GUI program in the form of a graphic user interface, and then cooperatively processing the predetermined bank banking operation D / B 240 for storage. Preferably, the GUI banking operation D / B (240) is preferably stored by further linking the customer authentication information including at least one or more customer account authentication information, terminal address authentication information and account address authentication information.

Thereafter, the GUI banking setting information for loading the GUI program information, the customer information, the customer account information, and the GUI banking function stored in the GUI banking operation D / B 240 into the GUI program in the form of a graphic user interface is shown in the figure. In the GUI banking system shown in Fig. 6, it is used to provide a non-face-to-face financial transaction through the GUI program.

For example, when the GUI program is executed in the customer terminal 115 to access the GUI banking server, the client process is authenticated through the customer account authentication information, and various inquiry transactions (eg, an account) are performed through the GUI program. Inquiry, credit card payment inquiry, etc.), to process the authentication of the customer through at least one or more customer account authentication information and terminal address authentication information, and withdrawal transactions (eg transfer transactions, payment transactions, etc.) through the GUI program ), At least one customer account authentication information, terminal address authentication information and account address authentication information is preferably processed to authenticate the customer.

For example, when the GUI program is executed in the client terminal 115 to access a GUI banking server, the client terminal authenticates the customer through the customer account authentication information and requests various financial transactions through the GUI program. In addition to the transaction authentication information corresponding to the financial transaction, it is preferable to process to authenticate the customer through at least one terminal address authentication information and account address authentication information.

3A and 3B illustrate a process of remotely installing and downloading a GUI program to the customer terminal 115 according to one embodiment of the present invention.

In more detail, FIGS. 3A and 3B illustrate a predetermined GUI program for non-face-to-face financial transactions from the program providing server 100 to the customer terminal 115 through the program providing system configuration shown in FIG. As a process of remote mounting, in particular, when the GUI program is provided to the customer terminal 115, the GUI banking function is provided in the GUI program in the form of a graphic user interface and provided to the customer terminal 115. The process is illustrated.

Those skilled in the art to which the present invention pertains may download and remotely mount a predetermined GUI program for non-face-to-face financial transactions to the customer terminal 115 by referring to and / or modifying the drawings 3a and 3b. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited by the implementation methods shown in FIGS. 3A and 3B.

3A and 3B, the customer terminal 115 shown in FIG. 2 is referred to as " terminal " for convenience, and the program providing server 100 shown in FIG. 2 is referred to as " server "

3A and 3B, the terminal connects to the server through a predetermined communication network, requests the server to download a predetermined GUI program for non-face-to-face financial transactions, and remotely mounts the server 300 (300). In response, the server extracts (or generates) an interface screen including an information input interface for inputting (or selecting) predetermined GUI program request information for providing the GUI program to the customer terminal 115. Provided as (305).

Thereafter, the terminal inputs (and / or selects) GUI program request information through an interface screen including the information input interface (310), and transmits the input (and / or select) GUI program request information to the communication network. Transfer to the server through (315).

Thereafter, the server checks at least one customer account authentication information, terminal address authentication information, and account address authentication information included in the received GUI program request information (320).

When the customer program authentication information is included in the GUI program request information, the server is connected to the member information D / B (not shown) to the customer account information matching the customer account authentication information included in the GUI program request information. It is advisable to check the validity.

When the terminal address authentication information is included in the GUI program request information or the terminal address authentication information is confirmed through the communication protocol, the server sends the terminal address authentication information to the GUI banking operation D / B 240. Check whether at least one matching IP (Internet Protocol) address information, MAC (Media Access Control) address information, and telephone number information are already registered, and the IP address information and MAC are stored in the GUI banking operation D / B 240. When the address information and the phone number information are not registered, it is preferable to process the validity of the terminal address authentication information as confirmed.

If the GUI program request information includes the account address authentication information (325), the server is linked with the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through the communication network By checking the validity of the account address authentication information (330).

According to an exemplary embodiment of the present invention, the server provides the customer information and the external account address information to the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through a communication network. In addition, it is preferable that the customer authentication affiliate server 105 process the authentication so that the external account address is assigned to the customer.

According to another embodiment of the present invention, the server requests the account information for the customer information to the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through a communication network, It is preferable to authenticate whether the external account address is assigned to the customer.

If the validity of the account address authentication information is not verified (335), the server provides an information input interface to the terminal to provide GUI program request information including valid account address authentication information.

On the other hand, when the validity of the account address authentication information is confirmed (335), the server includes an information input interface for inputting (or selecting) GUI banking setting information for mounting the GUI banking function in the GUI program in the form of a graphical user interface. The interface screen is extracted (or generated) and provided to the terminal (340).

Thereafter, the terminal inputs (and / or selects) GUI banking setting information for mounting the GUI banking function in the GUI program in the form of a graphical user interface through an interface screen including the information input interface (345), The input (and / or selected) GUI banking setting information is transmitted to the server through the communication network (350).

Here, the GUI banking setting information may include financial transaction type selection information corresponding to a GUI banking transaction type to be provided through the GUI program among financial transaction types corresponding to the GUI banking target customer account of the customer, and the selected financial transaction. And at least one or more transaction target information corresponding to the type, transaction limit amount information, and transaction authentication information.

Those skilled in the art to which the present invention belongs, other types of non-face-to-face financial transactions other than the inquiry transaction, transfer transaction, and utility bill payment transaction (e.g., check the card payment amount, loan interest / monthly payment deposit transaction, tuition payment , Online payment, etc.), and the present invention is characterized by including all types of non-face-to-face financial transactions inferred.

In addition, the transaction target information for loading the GUI banking function into the GUI program in the form of a graphical user interface, when the financial transaction type selection information includes the transfer transaction, a predetermined amount of money from the GUI banking target customer account. It is preferable to include the transaction target account information that is withdrawn and transferred, and when the financial transaction type selection information includes the utility bill payment transaction, a billing institution with which a predetermined bill is withdrawn and paid from the GUI banking target customer account. It is preferable to include information.

Further, the transaction limit amount information for loading the GUI banking function into the GUI program in the form of a graphic user interface may include a financial transaction corresponding to the financial transaction type selection information, and a predetermined amount may be withdrawn from the GUI banking target customer account. In the case of including a financial transaction that is deposited into at least one transaction object corresponding to the transaction object information, it is preferable to include information for setting a limit amount for the financial transaction.

Thereafter, the server extracts (or dynamically generates) a GUI program matching the GUI program request information and GUI banking setting information from the program D / B (355), and extracts the extracted (or dynamically generated) GUI program. Provided to the terminal via the communication network and mounted remotely (360).

If the GUI program is remotely mounted in the terminal (365), the terminal executes the GUI program to execute a diagnostic mode for the GUI program (370), and correspondingly, the terminal is determined through the GUI program. Generate validity diagnosis information of the generated and transmitted to the server through the communication network (375), the server receives and read the received validity diagnosis information to confirm the validity of the GUI program (380)

According to another exemplary embodiment of the present invention, the validity diagnosis function for the GUI program may be omitted according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

If the validity of the GUI program is not confirmed (385), the server generates predetermined GUI program diagnostic error information and transmits the GUI program request information to the terminal through the communication network (390). The process of providing an interface screen to receive predetermined GUI program request information, and extracting (or dynamically generating) a predetermined GUI program corresponding to the received GUI program request information and remotely mounting the same to the terminal.

On the other hand, if the validity of the GUI program is confirmed (385), the server is configured to the GUI program information, the customer information corresponding to the GUI program, customer account information and the GUI banking function mounted on the terminal in the form of a graphical user interface GUI banking setting information for mounting in the GUI program, and the at least one confirmed customer account authentication information, terminal address authentication information, account address authentication information is stored in a predetermined GUI banking operation D / B (240) (395), GUI banking settings for mounting the GUI program information, customer information, customer account information and the GUI banking function stored in the GUI banking operation D / B (240) to the GUI program in the form of a graphical user interface; The information is provided in the GUI banking system shown in Figure 6 to provide non-face-to-face financial transactions through the GUI program. Being used, the customer account credential, the authentication terminal address information, address, account authentication information is used for authentication and security processes the GUI banking.

4A and 4B illustrate a process of downloading and remotely mounting a GUI program to the customer terminal 115 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 4A and 4B show a predetermined GUI program for non-face-to-face financial transactions from the program providing server 100 to the customer terminal 115 through the program providing system configuration shown in FIG. As a process of remote mounting, in detail, after the GUI program is provided to the customer terminal 115 and mounted, the GUI program is executed in the customer terminal 115 to process customer authentication. Through the GUI banking system is shown a process of processing such that the GUI banking information corresponding to the GUI banking setting information stored in the storage in the GUI banking operation D / B 240 is provided to the GUI banking program.

Those skilled in the art to which the present invention pertains may download and remotely mount a predetermined GUI program for non-face-to-face financial transactions to the customer terminal 115 by referring to and / or modifying the drawings 4a and 4b. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods, and is not limited by the implementation methods shown in FIGS. 4A and 4B.

In the following Figures 4a and 4b, the customer terminal 115 shown in Figure 2 is referred to as "terminal" for convenience, and the program providing server 100 shown in Figure 2 is referred to as "server" for convenience.

4A and 4B, the terminal connects to the server through a predetermined communication network, requests the server to download and remotely mount a predetermined GUI program for non-face-to-face financial transactions (400). Thus, the server extracts (or generates) an interface screen including an information input interface for inputting (or selecting) predetermined GUI program request information for providing the GUI program to the customer terminal 115 and providing the GUI screen to the terminal. (405).

Thereafter, the terminal inputs (and / or selects) GUI program request information through an interface screen including the information input interface (410), and transmits the input (and / or select) GUI program request information to the communication network. Transfer to the server via (415).

In addition, the GUI program request information is based on a personal home page including server address information for the customer homepage account for the customer and the customer authentication affiliate server 105 (eg, a personal homepage operating web server) to which the personal homepage account is assigned. Blog-based external account address information, including external account address information, server account information for the customer account affiliate server 105 (e.g., blog server) to which the blog account for the customer and the blog account are assigned, and for the customer. It further includes account address authentication information including at least one of a mail account and mail-based external account address information including server address information for the customer authentication affiliate server 105 (eg, a mail server) to which the mail account is assigned. It is preferable to make it.

Thereafter, the server checks at least one customer account authentication information, terminal address authentication information, and account address authentication information included in the received GUI program request information (420).

If the GUI program request information includes the account address authentication information (425), the server is linked with the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through a communication network. By checking the validity of the account address authentication information (430).

According to an embodiment of the present invention, the server provides the customer information and the external account address information to the customer authentication affiliate server 105 corresponding to the external account address information matching the account address authentication information through a communication network, Preferably, the customer authentication affiliate server 105 processes and authenticates the external account address to be assigned to the customer.

If the validity of the account address authentication information is not verified (435), the server provides an information input interface to the terminal to provide GUI program request information including valid account address authentication information.

On the other hand, if the validity of the account address authentication information is verified (435), the server includes an information input interface for inputting (or selecting) GUI banking setting information for mounting the GUI banking function to the GUI program in the form of a graphical user interface. The interface screen is extracted (or generated) and provided to the terminal (440).

Thereafter, the terminal inputs (and / or selects) GUI banking setting information for mounting the GUI banking function in the GUI program in the form of a graphical user interface through an interface screen including the information input interface (445), The input (and / or selected) GUI banking setting information is transmitted to the server through the communication network (450).

Those skilled in the art to which the present invention belongs, other types of non-face-to-face financial transactions other than the inquiry transaction, transfer transaction, and utility bill payment transaction (e.g., check the card payment amount, loan interest / monthly payment deposit transaction, tuition payment , Online payment, etc.), and the present invention is characterized by including all types of non-face-to-face financial transactions.

Those skilled in the art to which the present invention pertains may infer or omit various types of transaction target information according to the financial transaction type selection in addition to the transaction target information. It is characterized by including all kinds of non-face to face financial transactions.

Thereafter, the server extracts a GUI program matching the GUI program request information from the program D / B (455), and provides the extracted GUI program to the terminal through the communication network and remotely mounts (460). .

If the GUI program is remotely mounted in the terminal (465), the server may form the GUI program information, the customer information corresponding to the GUI program, the customer account information, and the GUI banking function mounted on the terminal in the form of a graphical user interface. GUI banking setting information for mounting in the GUI program, and the at least one confirmed customer account authentication information, terminal address authentication information, account address authentication information to the predetermined GUI banking operation D / B (240) And the GUI banking for loading the GUI program information, the customer information, the customer account information, and the GUI banking function into the GUI program in the form of a graphical user interface. The setting information provides a non-face-to-face financial transaction through the GUI program in the GUI banking system shown in FIG. Is used, the customer account credential, the authentication terminal address information, address, account authentication information is used for authentication and security processes the GUI banking.

5 is a diagram illustrating the configuration of a GUI program function recorded on a recording medium of the client terminal 560 to provide a GUI banking function in the form of a graphical user interface according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a preferred function configuration of a GUI program recorded on a recording medium of the customer terminal 560 through the program providing system shown in FIG. 2 to provide a GUI banking function in the form of a graphical user interface. As those skilled in the art to which the present invention pertains, various analogous methods of constructing the GUI program function for providing the GUI banking function in the form of a graphical user interface by referring to and / or modifying the figure 5 may be inferred. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

The customer terminal 560 on which the GUI program is mounted through the program providing system shown in FIG. 2 includes a recording medium on which a program code corresponding to the GUI program is recorded, and various information and data corresponding to the GUI program. An operating system (or platform) provided in the customer terminal 560 in association with a storage means corresponding to a storage medium to be stored, and an output device (for example, a liquid crystal display (LCD), etc.) provided in the customer terminal 560. A screen output means 555 for outputting a background screen corresponding to the GUI banking interface screen for providing a GUI banking function corresponding to the GUI program in the form of a graphical user interface in a predetermined area on the desktop screen; The customer terminal 560 in connection with an input device (for example, a keyboard, a keypad, a mouse, etc.) provided in the customer terminal 560. Key input means for inputting key data corresponding to an operating system (or platform) provided in the C-key) and key data for providing a GUI banking function corresponding to the GUI program in the form of a graphic user interface, and the customer terminal 560. And a communication means for connecting and connecting to a communication network including at least one wired communication network (or a wireless communication network), and a person having ordinary knowledge in the technical field to which the present invention belongs, Since the technical features corresponding to the storage means, the screen output means 555, the key input means and the communication means provided in the customer terminal 560 corresponding to the wireless terminal) will be clearly understood, the detailed description thereof will be omitted for convenience. do.

The GUI program stored in the storage means provided in the customer terminal 560 through the program providing system shown in FIG. 2 is linked to the operating system (or platform) provided in the customer terminal 560 in the GUI banking. The GUI program code corresponding to the GUI banking function for providing the function in the form of a graphic user interface, the GUI banking target customer account information, and the GUI banking function for setting the GUI banking function in the form of a graphical user interface are shown in FIG. Transaction type information matching the financial transaction type selection information included in the GUI banking setting information registered through a program providing system, transaction target information included in the GUI banking setting information, and included in the GUI banking setting information. The transaction type through the limit amount information corresponding to the transaction limit amount information and the GUI program code To the banking information element for processing a non-face-to-face financial transaction information corresponding to a GUI banking information including at least one characterized in that formed.

Here, the banking element information included in the GUI banking function may include a GUI banking interface information output through the GUI program code and a method and order of inputting (or selecting) various financial transaction information through the GUI banking interface information. Encryption / control to control input / output control information to control and various encryption keys / decryption keys and encryption methods / decryption methods and encryption / decryption procedures for encrypting / decrypting various financial transaction information input through the GUI banking interface information. At least one decryption control information and transaction control information for controlling the manner and order of the transaction (Transaction) to the transaction (Transaction) through a communication network is preferably included.

According to the present invention, the GUI program code stored in the storage means is executed based on the operating system (or platform) provided in the customer terminal 560, thereby implementing the functional configuration of the GUI program shown in FIG. It features.

That is, the GUI program code stored in the storage means is characterized in that it comprises a program code corresponding to the functional configuration of the GUI program shown in FIG.

Referring to FIG. 5, the GUI program performs a GUI banking function provided with the GUI program in association with an operating system (or platform) provided in the customer terminal 560 on a recording medium provided in the customer terminal 560. Control the GUI banking function provided in the form of a graphical user interface, interoperate at least one or more function components constituting the GUI program to provide the GUI banking function in the form of a graphical user interface, and / or the function components The GUI banking function is provided in the form of a graphical user interface in cooperation with at least one component (or means) provided in the customer terminal 560 through an operating system (or platform) provided in the customer terminal 560. Characterized in that the main frame portion 550 (Mainfrmae) is provided to perform the GUI banking function .

The mainframe unit 550 is characterized in that the GUI program comprises a program execution code for executing on the operating system (or platform) provided in the customer terminal 560, thereby the customer terminal 560 After the control, the GUI program is executed to operate based on the operating system (or platform) provided in the customer terminal 560 in response to a predetermined program execution command.

In addition, the mainframe unit 550 is characterized in that the control to interoperate at least one or more functional components provided in the GUI program for the GUI banking function to provide the GUI banking function in the form of a graphical user interface, At least one functional component constituting the GUI program for the GUI banking function to provide the GUI banking function in the form of a graphical user interface by assigning an instance to the mainframe unit 550, the functional components are cross-referenced And / or interlocked.

In addition, the mainframe unit 550 includes at least one component (eg, a key) provided in the customer terminal 560 by the function components for the GUI banking function to provide the GUI banking function in the form of a graphical user interface. And a handle (or interrupt) for accessing an input means or a screen output means 555, etc., whereby each of the functional components constituting the GUI program is connected to the customer terminal ( Approach each component provided in the 560 to perform a unique function defined in each functional component.

In addition, the mainframe unit 550 includes at least one component (eg, a key) provided in the customer terminal 560 by the function components for the GUI banking function to provide the GUI banking function in the form of a graphical user interface. To obtain an interrupt for accessing an input means or a screen output means 555) or to access an input / output bus corresponding to a peripheral device provided in the customer terminal 560. Each of the functional components constituting the GUI program is characterized in that to access the respective components provided in the customer terminal 560 to perform a unique function defined in each functional component.

Those skilled in the art to which the present invention pertains provide a GUI banking function that provides the GUI banking function in the form of a graphical user interface in association with each operating system (or platform) corresponding to the customer terminal 560. In order to understand the technical features of the main frame unit 550 to perform the above-described function, a more detailed technical description thereof will be omitted for convenience.

According to the present invention, the GUI program is a graphical user for the GUI banking function to provide the GUI banking function in the form of a graphical user interface, the GUI banking server 110 on the communication network in conjunction with the communication means graphical user An information transmitter 515 for transmitting financial transaction request information including financial transaction information corresponding to a GUI banking function provided in an interface form, and financial transaction result information corresponding to the financial transaction request information in connection with the communication means; Characterized in that it comprises a information receiving unit 505 for receiving.

Here, the financial transaction information is extracted from the storage means based on the GUI banking interface information and the input / output control information included in the banking element information for the GUI banking function to provide a GUI banking function in the form of a graphical user interface, or It is preferable to include at least one information input (or extracted) for financial transactions, such as customer account information, transaction target information, transaction value information, and transaction authentication information input through the key input means.

For example, when the financial transaction provided through the GUI program is an inquiry transaction, the financial transaction information may include at least one of customer account information, transaction authentication information, and inquiry period information corresponding to the customer account. When the financial transaction is a transfer transaction, the financial transaction information may include transfer amount (or transaction amount) information, customer account information corresponding to the customer account from which the transfer amount (or transaction amount) is withdrawn, and the transfer amount (or transaction amount). It is preferable to include at least one or more transaction target information and transaction authentication information that is transferred and deposited.

According to an embodiment of the present invention, the financial transaction information includes customer authentication information including at least one of customer account authentication information, terminal address authentication information, and account address authentication information registered through the program providing system shown in FIG. Preferably, the customer authentication information may be input through the key input means or may be automatically included in the financial transaction request information including the financial transaction information according to a communication protocol. The invention is not limited.

In addition, the financial transaction request information is a communication protocol structure that can transmit the GUI banking server 110 on a communication network by linking the financial transaction with the communication means based on the transaction control information included in the banking element information. Or a financial protocol processed by a communication protocol structure capable of transmitting the input (or extracted) financial transaction information (or GUI banking server 110 on a communication network) based on encryption / decryption control information included in the banking element information. And at least one piece of information encrypted with transaction information).

In addition, the financial transaction result information is a financial transaction corresponding to the financial transaction information included in the financial transaction request information in the GUI banking server 110 (or GUI banking server 110) on the communication network receiving the financial transaction request information After processing, the financial transaction history corresponding to the financial transaction processing result is processed in a protocol structure that can be received through the communication means provided in the customer terminal 560, or decoded in the customer terminal 560 It is desirable to include at least one or more information so encrypted.

In the program providing system shown in FIG. 2 according to an embodiment of the present invention, when the GUI program is mounted on the customer terminal 560 through the process shown in FIG. 3, the GUI program includes the GUI banking function. In order to provide a graphical user interface in the form of a user, an information checking unit for identifying at least one or more customer account information, transaction type information, transaction target information, limit value information and banking element information included in the GUI banking information in connection with the storage means; 540 and a GUI banking interface configured to input various transaction information corresponding to the transaction type information based on the GUI banking interface information included in the banking element information in connection with the screen output means 555. Interface output unit 500 for outputting to the area, and included in the banking element information in association with the key input means And that formed by an input of various transaction information corresponding to the transaction type information through the GUI banking interface based on the output control information (or selected) information input unit (520), characterized in.

In order to provide the GUI banking function in the form of a graphical user interface, the information checking unit 540 corresponds to the customer account information included in the GUI banking information in association with the storage means, and corresponds to the GUI banking using the customer account. Check transaction type information, transaction object information associated with the transaction type information, limit amount information for each financial transaction corresponding to the transaction type, and GUI banking interface information, input / output control information, and encryption corresponding to the transaction type information. At least one banking element information including at least one / decoding control information and transaction control information is confirmed.

Through the information checking unit 540, the customer account information, the transaction type information corresponding to the GUI banking using the customer account, the transaction target information, the limit amount information, and the banking element information corresponding to the transaction type information are confirmed. When the interface output unit 500 is connected to the screen output means 555, the user selects any one transaction type among the identified transaction type information based on the GUI banking interface information included in the banking element information. A GUI banking interface including an interface may be output to a predetermined area on a background screen of the customer terminal 560.

When a transaction type to be traded through the GUI program is selected from the GUI banking function through the GUI banking interface outputted in a predetermined area on the background screen of the customer terminal 560, the interface output unit 500 displays the screen. Output the customer account information based on the GUI banking interface information included in the banking element information in association with the output means 555 (or a user interface for selecting one of the plurality of customer accounts if there are a plurality of customer accounts). Outputting a function, or outputting a user interface for inputting customer account information of the customer when the customer account information is not confirmed through the information checking unit 540), and the transaction object corresponding to the transaction type. GUI bank including a user interface for inputting a variety of transaction information matching the information and limit amount information To output the interface in a certain area on the desktop of the client terminal 560 is characterized.

The user interface may include at least one Edit control and / or ComboBox control and / or ListBox control and / or Button control. It is desirable to include at least one other user interface (eg, an Image control and / or a Custom control).

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the interface output unit 500 outputs the customer account information for the inquiry transaction (or when there are a plurality of customer accounts, which one of the plurality of customer accounts). Outputting a user interface for selecting one, or outputting a user interface for inputting customer account information of the customer when the customer account information is not confirmed through the information checking unit 540); And a user interface for inputting (or selecting) inquiry period information for the account, and outputting a GUI banking interface for inputting transaction authentication information for the inquiry transaction to a predetermined area on the desktop of the client terminal 560. It features.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the interface output unit 500 outputs the customer account information for the transfer transaction (or when there are a plurality of customer accounts, any of the plurality of customer accounts). Outputting a user interface for selecting one, or outputting a user interface for inputting customer account information of the customer when the customer account information is not confirmed through the information checking unit 540); And a user interface for inputting (or selecting) transfer target account information matching the target information and transfer amount information matching the limit amount information, and including a GUI banking interface for inputting transaction authentication information for the transfer transaction. Characterized in that the output to a predetermined area on the background screen of the terminal 560.

In the technical field to which the present invention belongs, other types of transactions other than the inquiry transaction and the transfer transaction based on the GUI banking interface output method corresponding to the inquiry transaction and the transfer transaction (for example, the card payment inquiry amount inquiry) Since it is possible to infer various implementation methods for outputting a GUI banking interface corresponding to a loan interest / monthly deposit payment transaction, tuition payment, online payment settlement, etc. in a predetermined area on the desktop of the client terminal 560, Detailed description will be omitted for convenience.

When the GUI banking interface for inputting various transaction information corresponding to the transaction type information is output by the interface output unit 500 based on the GUI banking interface information included in the banking element information, the information input unit 520 is outputted. A GUI banking interface including a user interface for inputting various transaction information matching the transaction target information and the limit value information corresponding to the transaction type based on the input / output control information included in the banking element information in association with the key input means; It is characterized by inputting (or selecting) various transaction information corresponding to the transaction type information through.

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the information input unit 520 may search an inquiry period for the customer account through a user interface for inputting (or selecting) inquiry period information for the customer account. And inputting (or selecting) information and transaction authentication information for the inquiry transaction.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the information input unit 520 inputs transfer target account information matching the transaction target information and transfer amount information matching the limit amount information (or Select (or select) the transfer target account information (for example, account number and financial institution information), transfer amount information, and transaction authentication information for the transfer transaction through a user interface. When the transaction type information and the target transfer account information are included in the GUI banking information according to an intention, the user interface for inputting (or selecting) the transfer target account information outputs the transfer target account information. It may be replaced with.

In the technical field to which the present invention belongs, other types of transactions other than the inquiry transaction and the transfer transaction based on the information input method corresponding to the inquiry transaction and the transfer transaction (for example, the amount of the card payment expected amount and the loan) Since various implementation methods for information input methods corresponding to interest / monthly deposit payment transaction, tuition payment, online payment settlement, etc. may be inferred, a detailed description thereof will be omitted for convenience.

In the program providing system shown in FIG. 2 according to another embodiment of the present invention, when the GUI program is mounted on the customer terminal 560 through the process shown in FIG. 4, the GUI program includes the GUI banking. In order to provide a function in the form of a graphical user interface, in connection with the communication means, the GUI banking server 110 on the communication network from the customer account information, transaction type information, transaction target information, limit amount information and banking element information at least one Input various transaction information corresponding to the transaction type information based on the GUI banking interface information included in the banking element information in association with the information receiving unit 505 for receiving GUI banking information. An interface output unit 500 for outputting a GUI banking interface to a predetermined area on a desktop, and the key input unit And an information input unit 520 for inputting (or selecting) various transaction information corresponding to the transaction type information through the GUI banking interface based on the input / output control information included in the banking element information. do.

In order to provide the GUI banking function in the form of a graphical user interface, the information receiving unit 505 is connected with the communication means to provide the customer account information, transaction type information corresponding to the GUI banking using the customer account, and the transaction. Transaction target information associated with the type information, limit value information for each financial transaction corresponding to the transaction type, GUI banking interface information, input / output control information, encryption / decryption control information, and transaction control information corresponding to the transaction type information. Characterized in that for receiving the GUI banking information including at least one or more banking element information including at least one.

When the customer account information, the transaction type information corresponding to the GUI banking using the customer account, the transaction target information, the limit value information and the banking element information corresponding to the transaction type information are received through the information receiving unit 505 The interface output unit 500 selects any one transaction type among the identified transaction type information based on the GUI banking interface information included in the banking element information in association with the screen output means 555. Characterized in that it outputs a GUI banking interface including a predetermined area on the background screen of the customer terminal 560.

When a transaction type to be traded through the GUI program is selected from the GUI banking function through the GUI banking interface outputted in a predetermined area on the background screen of the customer terminal 560, the interface output unit 500 displays the screen. Output the customer account information based on the GUI banking interface information included in the banking element information in association with the output means 555 (or a user interface for selecting one of the plurality of customer accounts if there are a plurality of customer accounts). Outputting a user interface for inputting customer account information of the customer when the customer account information is not received through the information receiving unit 505), and the transaction target information corresponding to the transaction type. And a GUI interface including a user interface for inputting various transaction information matching the limit amount information. The interface may be output to a predetermined area on the background screen of the customer terminal 560.

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the interface output unit 500 outputs the customer account information for the inquiry transaction (or when there are a plurality of customer accounts, which one of the plurality of customer accounts). Outputting a user interface for selecting one, or outputting a user interface for inputting customer account information of the customer when the customer account information is not received through the information receiving unit 505); And a user interface for inputting (or selecting) inquiry period information for the inquiry period, and outputting a GUI banking interface for inputting transaction authentication information for the inquiry transaction to a predetermined area on the desktop of the client terminal 560. It is done.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the interface output unit 500 outputs the customer account information for the transfer transaction (or when there are a plurality of customer accounts, any of the plurality of customer accounts). Outputting a user interface for selecting one, or outputting a user interface for inputting customer account information of the customer when the customer account information is not received through the information receiving unit 505); And a user interface for inputting (or selecting) transfer target account information matching the information and transfer amount information matching the limit amount information, and including a GUI banking interface for entering transaction authentication information for the transfer transaction. And outputs to a predetermined area on the background screen of 560.

In addition, the interface output unit 500 inputs (or at least one customer authentication information including at least one customer account authentication information, terminal address authentication information, account address authentication information registered through the program providing system shown in Figure 2 (or And a GUI banking interface to be output to a predetermined area on the background screen of the customer terminal 560.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the information input unit 520 inputs transfer target account information matching the transaction target information and transfer amount information matching the limit amount information (or Select (or select) the transfer target account information (eg, account number and financial institution information), transfer amount information, and transaction authentication information for the transfer transaction through a user interface for When the transaction type information and the target transfer information is matched one-to-one and included in the GUI banking information, the user interface for inputting (or selecting) the transfer target account information may output the transfer target account information. It may be replaced.

In addition, the information input unit 520 inputs (or selects) customer authentication information including at least one of customer account authentication information, terminal address authentication information, and account address authentication information registered through the program providing system shown in FIG. It is characterized by.

According to an embodiment of the present invention, the terminal address authentication information of the customer authentication information is not input through the key input means, and may be automatically included in the financial transaction request information including the financial transaction information according to a communication protocol. The present invention is not limited thereto.

According to the present invention, the GUI program includes a validity checking unit 530 for checking the validity of various transaction information input (or selected) corresponding to the transaction type information, and the customer account information and the transaction type information. And an information generation unit 545 for generating financial transaction information including corresponding transaction information. The GUI of the financial transaction information on the communication network based on the transaction control information included in the banking element information. Banking server 110 information processing unit 535 processing in a communication protocol structure that can be transmitted, and the financial transaction information (or GUI banking server 110 on the communication network based on the encryption / decryption control information included in the banking element information) And a cryptographic processing unit 525 for encrypting the financial transaction information processed in the communication protocol structure that can be transmitted. And that is characterized.

When various transaction information corresponding to the transaction type information is input (or selected) by the information input unit 520, the validity confirming unit 530 inputs (or selects) various transaction information corresponding to the transaction type information. It is characterized in that for checking the validity.

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the validity confirming unit 530 checks whether the inquiry period information input (or selected) through the information input unit 520 includes a valid inquiry period. Characterized in that.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the validity checker 530 determines whether the transfer amount information input (or selected) through the information input unit 520 exceeds the limit amount information. It is characterized by checking.

In the technical field to which the present invention belongs, other types of transactions other than the inquiry transaction and the transfer transaction based on the validation method corresponding to the inquiry transaction and the transfer transaction (for example, the amount of the card payment expected amount and the loan) Various implementation methods for validity checking methods corresponding to interest / monthly deposit payment transaction, tuition payment, online payment settlement, etc.) can be inferred, and thus, detailed description thereof will be omitted for convenience.

The transaction information corresponding to the transaction type information is input (or selected) by the information input unit 520, and the validity of the various transaction information input (or selected) is confirmed by the validity verification unit 530. The information generator 545 generates financial transaction information including various transaction information corresponding to the customer account information and the transaction type information.

Here, the financial transaction information includes a data structure corresponding to data fields excluding headers and checksums of financial transaction request information generated based on transaction control information included in the banking element information. It is preferable to make it.

When financial transaction information including various transaction information corresponding to the customer account information and the transaction type information is generated by the information generation unit 545, the information processing unit 535 controls the transaction included in the banking element information. Based on the information, the financial transaction information may be processed in a communication protocol structure capable of transmitting the GUI banking server 110 on the communication network.

According to an embodiment of the present invention, the information processing unit 535 may include various header information (eg, communication header information and data field header information) and the like in the financial transaction information based on transaction control information included in the banking element information. By adding a checksum, it is preferable to process the financial transaction information into a communication protocol structure capable of transmitting the GUI banking server 110 on the communication network.

When the financial transaction information including the various transaction information corresponding to the customer account information and the transaction type information is generated by the information generation unit 545, the encryption processing unit 525 is encrypted / included in the banking element information. The financial transaction information is encrypted based on decryption control information.

According to another exemplary embodiment of the present invention, the encryption processing unit 525 is based on the encryption / decryption control information included in the banking element information according to the intention of the skilled person, the financial transaction request information (for example, finance except for the communication header information) Transaction request information, or financial transaction information processed in a communication protocol structure capable of transmitting the GUI banking server 110 on a communication network) may be encrypted, and the present invention is not limited thereto.

Here, the encryption method preferably comprises at least one of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method. .

Thereafter, the information transmitter 515 transmits the generated financial transaction request information to the GUI banking server 110 on a communication network in association with the communication means, and the information receiver 505 is a GUI on the communication network. The banking server 110 may receive financial transaction result information including a financial transaction history corresponding to the financial transaction information included in the financial transaction request information.

According to the present invention, the GUI program is linked with the screen output means 555 when the financial transaction result information is received through the information receiver 505 to provide the GUI banking function in the form of a graphical user interface. And an information output unit 510 for outputting the financial transaction details included in the financial transaction result information in a predetermined area on the background screen based on the GUI banking interface information included in the banking element information. When the financial transaction details are encrypted, an encryption processing unit 525 is configured to decrypt the financial transaction details based on the encryption / decryption control information included in the banking element information.

When the financial transaction result information including the encrypted financial transaction details is received through the information receiving unit 505, the encryption processing unit 525 performs the financial transaction based on the encryption / decryption control information included in the banking element information. And decoding the details, wherein the information output unit 510 is included in the financial transaction result information based on the GUI banking interface information included in the banking element information in association with the screen output means 555. Characterized in that the financial transaction history is output to a predetermined area on the desktop.

In more detail, FIG. 6 illustrates a user account authentication provided from the GUI program in the GUI banking server 110 when using GUI banking in the GUI program provided in the client terminal 115 through the program providing system shown in FIG. Validating the validity of the customer collectively (or by financial transaction type or financial transaction stage) through customer authentication information including at least one of information, terminal address authentication information, and account address authentication information, and the customer validity authentication result. According to the GUI banking system configuration for processing a financial transaction corresponding to at least one or more GUI banking requested by the GUI program according to the present invention, those skilled in the art to which the present invention belongs, refer to FIG. And / or modify it to infer various implementation methods for the GUI banking system configuration, Invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

Referring to FIG. 6, the GUI banking system includes a customer terminal 115 having the GUI program shown in FIG. 5 and a customer terminal 115 provided through the program providing system shown in FIG. When using GUI banking in the GUI program, process collectively (or by financial transaction type or financial transaction stage) authentication, and provide the GUI banking function in the form of a graphical user interface in connection with the GUI program according to the result of the customer validation. The GUI banking server 110 and the GUI program is characterized in that it comprises a financial system opened at least one or more customer accounts corresponding to non-face-to-face financial transactions.

Those skilled in the art to which the present invention pertains can easily guess the omitted components for convenience because they do not include the core technical matters of the present invention in the GUI banking system shown in FIG. The present invention is not limited to the omitted elements.

The customer terminal 115 is connected to the GUI banking server 110 based on the TCP / IP (Transmission Control Protocol / Internet Protocol) based on the wired communication function and the wired communication function, various transfers, payment of bills, payment of funds, And a wired terminal including at least one or more of a desktop computer and / or a notebook having a GUI program for managing various types of customer financial transactions such as deposit subscription. The GUI program provided in the wired terminal uses the communication function provided in the wired terminal to perform at least one financial transaction with the GUI banking server 110 through a predetermined communication network (eg, a TCP / IP based wired communication network). It characterized in that for connecting the communication channel.

In addition, the customer terminal 115 is connected to the GUI banking server 110 based on the CDMA (Code Division Multiple Access) -based wireless communication function and the wireless communication function, various transfers, bill payment, deposit payment, deposit subscription Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular terminals having a GUI program for managing various types of customer financial transactions such as; And a wireless terminal including at least one of a PDC) and / or a Personal Handyphone System (PHS) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone. In this case, the GUI program provided in the wireless terminal may use a communication function provided in the wireless terminal, for example, a predetermined communication network (for example, CDMA-based communication). Characterized in that for connecting the communication channel for one or more financial transaction with the banking server GUI 110 via a communication network).

In addition, the customer terminal 115 is connected to the GUI banking server 110 based on the IEEE 802.16x-based wireless communication function and the wireless communication function, and various transfers, utility bill payment, deposit payment, deposit subscription, etc. And a wireless terminal including at least one portable internet terminal having a GUI program for managing a customer financial transaction in a form, wherein the GUI program provided in the wireless terminal is provided in the wireless terminal. It is characterized in that the communication with the GUI banking server 110 and the communication channel for at least one financial transaction through a predetermined communication network (for example, IEEE 802.16x-based portable Internet network) using the communication function.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. Interface modules corresponding to the middleware platform that provides inter-component interfacing, and At least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component of the existing financial system. It consists of a DBMS (DataBase Management System), and according to the intention of the skilled person and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (Not shown), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention belongs, Since the technical details of the financial system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

According to an embodiment of the present invention, the GUI banking server 110 is interlocked with the financial system through the external system. For this purpose, the GUI banking server 110 is interlocked with the GUI banking server 110 through a predetermined financial network. It is preferred to include a component for.

The GUI banking server 110 provides the GUI program information required to provide a predetermined GUI banking function in the form of a graphical user interface, the customer information corresponding to the GUI program, the customer account information, and the GUI banking function. GUI banking setting information for mounting to the GUI program in the form, and the GUI banking operation D / B for storing and processing the customer authentication information including at least one or more customer account authentication information, terminal address authentication information and account address authentication information Equipped with a DBMS comprising a (630), or in accordance with the method characterized in that the interworking with the data server provided with the DBMS.

According to one embodiment of the invention, the customer authentication information is preferably stored in the GUI banking operation D / B (630) to collectively authenticate the GUI banking through the GUI program.

For example, when the GUI program is executed in the customer terminal 115 to access the GUI banking server 110, the client is authenticated through at least one customer account authentication information, terminal address authentication information, and account address authentication information. By doing so, it is preferable to treat the customer validity of all GUI bankings after the customer authentication as authenticated.

According to another embodiment of the present invention, the customer authentication information is preferably stored in the GUI banking operation D / B (630) to authenticate the GUI banking through the GUI program for each financial transaction type.

For example, when the GUI program is executed in the client terminal 115 to access the GUI banking server 110, the client program is authenticated through the customer account authentication information, and various inquiry transactions (eg, through the GUI program) are performed. , Account inquiry, card payment due amount inquiry, etc., to authenticate the customer through at least one or more customer account authentication information and terminal address authentication information, and withdrawal transactions (eg transfer transactions, payment through the GUI program) Transaction, etc.), it is preferable to process to authenticate the customer through at least one or more customer account authentication information, terminal address authentication information and account address authentication information.

According to another embodiment of the present invention, the customer authentication information is preferably stored in the GUI banking operation D / B (630) to authenticate the GUI banking through the GUI program for each financial transaction step.

For example, when the GUI program is executed in the client terminal 115 to access the GUI banking server 110, the client terminal authenticates the customer through the customer account authentication information, and requests various financial transactions through the GUI program. In this case, it is preferable to process to authenticate the customer through at least one terminal address authentication information and account address authentication information in addition to the transaction authentication information corresponding to the financial transaction.

Referring to FIG. 6, the GUI banking server 110 connects and manages a communication channel for providing the GUI banking function in the form of a graphical user interface through a GUI program included in the customer terminal 115. It is characterized by comprising (600).

Referring to FIG. 6, the GUI banking server 110 receives customer authentication information input through a GUI program included in the customer terminal 115 through a communication network in connection with the interface unit 600. By comparing the received customer authentication information and the customer authentication information stored in the GUI banking operation D / B 630, the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) for the customer It is characterized by comprising a customer authentication unit 605 to confirm and authenticate processing.

According to an embodiment of the present invention, when collectively authenticating the GUI banking through the GUI program through the customer authentication information, the customer authentication unit 605 executes the GUI program on the customer terminal 115 to perform GUI banking. When connected to the server 110, at least one customer account authentication information, terminal address authentication information, account address authentication information and the above input (or attached by a communication protocol) via the GUI program provided in the customer terminal 115 and the It is preferable to authenticate the customer by comparing the customer authentication information stored in the GUI banking operation D / B (630).

According to another exemplary embodiment of the present invention, when authenticating GUI banking through the GUI program for each financial transaction type through the customer authentication information, the customer authentication unit 605 may be configured to execute the GUI program in the customer terminal 115. When executed and connected to the GUI banking server 110, the customer account authentication information entered through the GUI program provided in the customer terminal 115 is compared with the customer authentication information stored in the GUI banking operation D / B (630) Authentication process, and when the customer terminal 115 requests a variety of inquiry transactions (eg, account inquiry, card payment amount inquiry, etc.) through the GUI program, through the GUI program provided in the customer terminal 115 Comparing the at least one customer account authentication information inputted (or attached by the communication protocol) and the terminal address authentication information with the customer authentication information stored in the GUI banking operation D / B 630 to verify the authentication process. In addition, when the customer terminal 115 requests various withdrawal transactions (eg, transfer transaction, payment transaction, etc.) through the GUI program, an input (or a communication protocol) is performed through the GUI program provided in the customer terminal 115. The at least one customer account authentication information, the terminal address authentication information, and the account address authentication information attached to each other are preferably authenticated by comparing the customer authentication information stored in the GUI banking operation D / B 630.

According to another exemplary embodiment of the present invention, in the case of authenticating the GUI banking through the GUI program for each financial transaction step, the customer authentication unit 605 is configured to execute the GUI program in the customer terminal 115. When executed to access the GUI banking server 110, the customer account authentication information input through the GUI program provided in the customer terminal 115 is compared with the customer authentication information stored in the GUI banking operation D / B (630) Authentication process, and when the customer terminal 115 requests various financial transactions through the GUI program, inputs through a GUI program provided in the customer terminal 115 in addition to the transaction authentication information corresponding to the financial transaction ( Or comparing the customer authentication information stored in the GUI banking operation D / B 630 with at least one terminal address authentication information attached to the communication protocol and account address authentication information. That authentication processing is preferred.

Referring to FIG. 6, when the GUI program provided in the customer terminal 115 is not provided with the GUI banking information, the GUI program is executed in the customer terminal 115 to access the GUI banking server 110. When the first customer authentication is processed, the GUI banking server 110 checks the GUI banking setting information processed for the first customer authentication in connection with the GUI banking operation D / B 630 and based on the GUI banking setting information. Generate (or verify) GUI banking information including at least one GUI banking target customer account information, transaction type information, transaction target information, limit amount information, and banking element information, and link the GUI with the interface unit 600. And an information transmitter 610 for transmitting banking information to the customer terminal 115.

Referring to FIG. 6, the GUI banking server 110 connects the financial transaction information input (or selected) through a GUI program included in the customer terminal 115 through a communication network in connection with the interface unit 600. Receive the financial transaction request information including, and compares the transaction authentication information contained in the financial transaction information with the transaction authentication information of the GUI banking setting information stored in the GUI banking operation D / B (630), to the financial transaction information It is characterized in that it comprises a banking authentication unit 615 for authenticating the corresponding GUI banking.

According to an embodiment of the present invention, when the transaction authentication information included in the financial transaction information includes an account password (or financial transaction password), the banking authentication unit 615 is included in the financial transaction information and received the account. By comparing the password (or financial transaction password) and the account password (or financial transaction password) included in the GUI banking setting information stored in the GUI banking operation D / B 630, to authenticate the GUI banking corresponding to the financial transaction information It is preferable to process.

According to another exemplary embodiment of the present invention, when the transaction authentication information included in the financial transaction information includes a security code combination (or OTP code, or a mobile phone authentication code), the banking authentication unit 615 may provide the financial transaction information. Included in the received security code combination (or OTP code, or mobile phone authentication code) and the GUI banking setting information stored in the GUI banking operation D / B 630 (or generated based on the GUI banking setting information By comparing the security code combination (or OTP code or mobile phone authentication code), it is preferable to authenticate the GUI banking corresponding to the financial transaction information.

According to another exemplary embodiment of the present invention, when the transaction amount is included in the financial transaction information, the banking authentication unit 615 may provide the GUI banking setting information stored in the GUI banking operation D / B 630. It is preferable to authenticate the GUI banking corresponding to the financial transaction information by checking whether the transaction limit amount included in the transaction is exceeded.

Referring to FIG. 6, the GUI banking server 110 processes a current financial transaction in association with the financial system based on the financial transaction information included in the financial transaction request information after the customer authentication and banking authentication are completed. Alternatively, or based on the financial transaction information characterized in that it comprises a banking processing unit 620 for processing a party financial transaction through a financial common network.

Financial transaction information included in the received financial transaction request information according to an embodiment of the present invention is the current financial transaction (eg, account inquiry, inter-transfer transfer transaction, utility bill payment, credit card payment amount inquiry, loan interest / monthly payment deposit) Transaction, tuition payment, etc.), the banking processor 620 may be configured to process the current financial transaction in connection with the financial system.

According to another exemplary embodiment of the present invention, when the financial transaction information included in the received financial transaction request information includes a party transaction, such as a transfer transaction from the party to the other party, the banking processor 620 may include: It is characterized by processing the other party financial transactions in connection with other financial systems through a financial common network.

Referring to FIG. 6, when the financial transaction through the financial transaction information is processed, the GUI banking server 110 generates ledger processing information corresponding to the financial transaction processing result, and the ledger processing in connection with the financial system. And a ledger processing unit 625 for processing the information to be stored in the account ledger (or transaction history additional ledger) corresponding to the customer account information (or GUI banking target customer account information) included in the financial transaction information. do.

When the financial transaction corresponding to the financial transaction information is processed through the banking processor 620, the ledger processing unit 625 checks the information to be added (or changed) to the ledger in response to the financial transaction processing result, Creates ledger processing information including the confirmed information, and corresponds to the customer account information (or GUI banking target customer account information) included in the financial transaction information in association with the financial system for managing the ledger It is characterized in that the processing to be stored in the account ledger (or transaction history additional ledger).

Thereafter, the information transmission unit 610 generates a financial transaction history corresponding to the financial transaction processing result, and generates financial transaction result information by transaction processing and encrypting the financial transaction history, and the financial information through the communication network. The transaction result information is transmitted to the customer terminal 115, and correspondingly, the customer terminal 115 outputs the financial transaction details included in the financial transaction result information to a predetermined area on the background screen. .

Hereinafter, a GUI banking process is illustrated and described through the GUI program on the basis of the customer authentication method for each financial transaction step of the customer authentication method through the process shown in FIG. 7 to FIG. 10, and the technical field of the present invention. In order to infer various implementation methods of the present invention to those skilled in the art will be described further including another implementation method of each customer authentication step.

7 is a diagram illustrating a process of outputting a GUI banking interface for selecting a transaction type for GUI banking in a predetermined area on a desktop according to one embodiment of the present invention.

In more detail, in FIG. 7, when the GUI program is mounted on the customer terminal 115 through the process shown in FIG. 3 in the program providing system shown in FIG. 2, the GUI banking function is graphically displayed in the GUI program. In order to provide in the form of a user interface, after confirming at least one or more customer account information, transaction type information, transaction target information, limit value information and banking element information included in the GUI banking information in connection with the storage means, the customer terminal ( 115 shows a process of outputting a GUI banking interface for selecting a type of the GUI banking transaction based on the GUI banking interface information included in the banking element information in a predetermined area on a desktop in connection with the screen output means provided in step 115). For those of ordinary skill in the art to which the present invention pertains, reference and / or modifications to FIG. In this regard, various implementation methods for the process of outputting a GUI banking interface for selecting a transaction type for the GUI banking to a predetermined area on the desktop may be inferred, but the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 7, the customer terminal 115 having the GUI program shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI banking system shown in FIG. 6. The GUI banking server 110 on the top is referred to as a "server" for convenience.

Referring to FIG. 7, the terminal executes a GUI program that satisfies the GUI program function configuration shown in FIG. 5 and outputs a customer authentication interface to a predetermined area on the terminal desktop (700). Check whether the customer authentication information is input through the customer authentication interface (705).

According to an embodiment of the present invention, when collectively authenticating GUI banking through the GUI program through the customer authentication information, the terminal includes at least one of customer account authentication information, terminal address authentication information, and account address authentication information. It is desirable to enter customer authentication information.

According to another exemplary embodiment of the present invention, when authenticating GUI banking through the GUI program by financial transaction type or financial transaction stage through the customer authentication information, the terminal includes customer authentication information including customer account authentication information. It is preferable to enter.

If the customer authentication information is input through the customer authentication interface (710), the terminal transmits the customer authentication information to the server through the communication network using the GUI program (715), and correspondingly the server GUI The validity of the customer authentication information is checked in connection with the service operation D / B (720).

According to an embodiment of the present invention, when collectively authenticating GUI banking through the GUI program through the customer authentication information, the server may include at least one customer account authentication information, terminal address authentication information, account address authentication information, and the GUI. It is preferable to compare the customer authentication information stored in the banking operation D / B 630 to authenticate the customer.

According to another exemplary embodiment of the present invention, when authenticating GUI banking through the GUI program by financial transaction type or financial transaction stage through the customer authentication information, the server is input through the GUI program provided in the terminal. It is preferable that the customer account authentication information is compared with the customer authentication information stored in the GUI banking operation D / B 630 to process the authentication.

If the validity of the customer authentication information is not confirmed (725), the server transmits a customer authentication error to the terminal (or the wireless terminal of the customer) through a communication network (730), and terminates the GUI banking process. .

On the other hand, if the validity of the customer authentication information is confirmed (725), the server transmits a customer authentication result to the terminal through a communication network (735), and correspondingly the terminal in connection with the storage means the customer account information And the GUI banking information including at least one transaction type information, transaction target information, limit amount information, and banking element information (740), and the banking element of the GUI banking information in connection with the screen output means provided in the terminal. A GUI banking interface including a user interface for selecting any one of the identified transaction type information based on the GUI banking interface information included in the information is output to a predetermined area on the desktop of the client terminal 115. (745).

In more detail, FIG. 8 is a graphical representation of the GUI banking function in the GUI program when the GUI program is mounted on the customer terminal 115 through the process shown in FIG. 4 in the program providing system shown in FIG. In order to provide in the form of a user interface, after receiving the GUI banking information including at least one of customer account information, transaction type information, transaction target information, limit amount information and banking element information from the communication network in connection with the communication means, A process of outputting a GUI banking interface for selecting a type of the GUI banking transaction based on the GUI banking interface information included in the banking element information in connection with the screen output means included in the customer terminal 115 in a predetermined area on the desktop. As illustrated, those skilled in the art to which the present invention pertains, FIG. 8 Various implementation methods for the process of outputting a GUI banking interface for selecting a transaction type for the GUI banking to a certain area on the desktop by referring to and / or modifying the present invention may be inferred. All are included and are not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 8, the customer terminal 115 having the GUI program shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI banking system shown in FIG. 6. The GUI banking server 110 on the top is referred to as a "server" for convenience.

Referring to FIG. 8, the terminal executes a GUI program that satisfies the GUI program function configuration shown in FIG. 5, and outputs a customer authentication interface to a predetermined area on the terminal desktop (800). It is checked whether customer authentication information (eg, the ID / PW information of the customer) is input through the customer authentication interface (805).

If the customer authentication information is input through the customer authentication interface (810), the terminal transmits the customer authentication information to the server through the communication network using the GUI program (815), the server corresponding to the GUI Checking the validity of the customer authentication information in connection with the banking operation D / B (630) (820).

If the validity of the customer authentication information is not confirmed (825), the server transmits a customer authentication error to the terminal (or the wireless terminal of the customer) through a communication network (830), and terminates the GUI banking process. .

On the other hand, if the validity of the customer authentication information is confirmed (825), the server checks the GUI banking setting information associated with the customer information requesting the GUI banking information in connection with the GUI banking operation D / B (630) ( 835) generating GUI banking information including at least one of the customer account information, the transaction type information, the transaction target information, the limit amount information, and the banking element information based on the GUI banking setting information (840), and through a communication network. The GUI banking information is transmitted to the terminal (845), and in response thereto, the terminal is linked with the screen output means to identify the transaction type based on the GUI banking interface information included in the banking element information of the GUI banking information. A predetermined area on the desktop of the customer terminal 115 includes a GUI banking interface including a user interface for selecting any one transaction type of information. And outputs (850).

In more detail, FIG. 9 shows the GUI banking interface for selecting a transaction type for GUI banking in a predetermined region on the desktop of the terminal through the GUI banking interface output process shown in FIG. 7 or FIG. 8. Outputs a GUI banking interface for inputting (or selecting) various transaction information corresponding to the transaction type selected through the GUI banking interface to a predetermined area on a desktop, and inputs through the customer account information and the GUI banking interface ( Alternatively, the process of generating financial transaction information including the selected transaction information and processing the financial transaction corresponding to the GUI banking, and a person having ordinary knowledge in the technical field to which the present invention belongs, A GUI banking interface for selecting transaction information for the GUI banking by referring to and / or modifying the desktop. Although it may be possible to infer various implementation methods for the process of outputting to a predetermined area of and processing the GUI banking corresponding to the input transaction information, the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited by the implementation method shown.

For example, FIG. 9 illustrates a graphic user interface for inputting (or selecting) various transaction information corresponding to the selected transaction type and a graphic user interface for inputting the customer authentication information through different GUI banking interfaces. The present invention is not limited thereto, but the graphic user interface for inputting (or selecting) the transaction information and the graphic user interface for inputting the customer authentication information are provided through a single GUI banking interface. The present invention may be output to a predetermined area on the background screen, and the present invention is characterized by including all possible implementation methods.

Hereinafter, in FIG. 9, the customer terminal 115 having the GUI program shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI banking system shown in FIG. 6. The GUI banking server 110 on the top is referred to as a "server" for convenience.

Referring to FIG. 9, after a GUI banking interface for selecting a transaction type for GUI banking is output in a predetermined area on the terminal desktop through the GUI banking interface output process illustrated in FIG. 7 or FIG. 8, the terminal is output. In operation 900, the GUI banking interface determines whether a transaction type to be processed through the GUI program is selected.

If a transaction type to be processed through the GUI program among the GUI banking functions is selected through the GUI banking interface (905), the terminal is connected to the screen output means and the GUI is included in the banking element information of the GUI banking information. The customer account information is output based on banking interface information (or, if there are a plurality of customer accounts, a user interface for selecting any one of the plurality of customer accounts, or the customer account information is not confirmed (or received)). Or a user interface for inputting customer account information of the customer), and a user interface for inputting various transaction information matching the transaction target information and the limit value information corresponding to the transaction type. The banking interface is output to a predetermined area on the background screen of the customer terminal 115 (91). 0).

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the terminal outputs the customer account information for the inquiry transaction (or a user who selects any one of the plurality of customer accounts when there are a plurality of customer accounts). Outputting an interface, or outputting a user interface for inputting customer account information of the customer if the customer account information is not confirmed (or received); and inputting inquiry period information for the customer account ( Or a user interface (optional), and outputs a GUI banking interface for inputting transaction authentication information for the inquiry transaction to a predetermined area on the background screen of the customer terminal 115.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the terminal outputs the customer account information for the inquiry transaction (or a user who selects any one of the plurality of customer accounts when there are a plurality of customer accounts). Interface can be output or, if the customer account information is not confirmed (or received), the user interface for inputting the customer account information of the customer can be outputted); And a user interface for inputting (or selecting) transfer amount information matched with the limit amount information, and a GUI banking interface for inputting transaction authentication information for the transfer transaction on the desktop of the client terminal 115. It is preferable to output to the area.

In the technical field to which the present invention belongs, other types of transactions other than the inquiry transaction and the transfer transaction based on the GUI banking interface output method corresponding to the inquiry transaction and the transfer transaction (for example, the card payment inquiry amount inquiry) Since it is possible to infer various implementation methods for outputting a GUI banking interface corresponding to a loan interest / monthly deposit payment transaction, tuition payment, online payment settlement, etc. in a predetermined area on the desktop of the client terminal 115. Detailed description will be omitted for convenience.

Thereafter, the terminal determines whether various transaction information corresponding to the selected transaction type is input (or selected) through the GUI banking interface (915).

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the terminal receives inquiry period information and the inquiry about the customer account through a user interface for inputting (or selecting) inquiry period information about the customer account. It is desirable to enter (or select) transaction authentication information for a transaction.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the terminal inputs (or selects) the transfer target account information matching the transaction target information and the transfer amount information matching the limit amount information. It is preferable to input (or select) the transfer target account information (for example, account number and financial institution information), transfer amount information, and transaction authentication information for the transfer transaction through an interface. When information and the target account information to be transferred are included in the GUI banking information, the user interface for inputting (or selecting) the target account information may be replaced with a form of outputting the target account information.

If various transaction information corresponding to the selected transaction type is input (or selected) through the GUI banking interface (920), the terminal validates the various transaction information input (or selected) corresponding to the transaction type information. Check (925).

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction, the terminal checks whether the input (or selected) inquiry period information includes a valid inquiry period.

Alternatively, when the transaction type corresponding to the transaction type information is a transfer transaction, the terminal checks whether the input (or selected) transfer amount information exceeds the limit amount information.

If the validity of the various types of transaction information input (or selected) is not confirmed (930), the terminal outputs a transaction information validity error message in a predetermined area on the background screen (935), and inputs the transaction information (or The process of outputting the GUI banking interface to the predetermined area on the desktop is repeated.

According to another exemplary embodiment of the present invention, the server may transmit the transaction information validity error message to the wireless terminal of the customer, whereby the present invention is not limited thereto.

On the other hand, if the validity of the various transaction information input (or selected) is confirmed (930), the terminal outputs the GUI banking interface for inputting the customer authentication information in a predetermined area on the desktop (940), and the GUI banking interface Check whether the customer authentication information is input (945).

According to an embodiment of the present invention, when authenticating GUI banking through the GUI program by financial transaction type or financial transaction stage through the customer authentication information, the terminal includes at least one terminal address authentication information and account address authentication information. It is preferable to input customer authentication information including the above, and when the terminal address authentication information is automatically attached in a transaction process through a communication protocol, the terminal address information may be omitted, and the present invention is not limited thereto. .

If the customer authentication information is input (950), the terminal generates financial transaction information including the customer account information, various transaction information corresponding to the selected transaction type, and the customer authentication information (955).

Thereafter, the terminal generates financial transaction request information through transaction processing and / or encryption processing for the financial transaction information (960).

According to an embodiment of the present invention, it is preferable that the terminal processes the financial transaction information to a server on a communication network based on the transaction control information included in the banking element information of the GUI banking information.

For example, the terminal adds various header information (eg, communication header information, data field header information, etc.) and a checksum to the financial transaction information based on the transaction control information included in the banking element information. It is preferable to process with a communication protocol structure that can be transmitted to a server on a communication network.

According to an embodiment of the present invention, it is preferable that the terminal address authentication information is automatically attached to the financial transaction request information in a transaction processing process for the financial transaction information.

According to an embodiment of the present invention, it is preferable that the terminal encrypts the financial transaction information based on encryption / decryption control information included in banking element information of the GUI banking information.

Thereafter, the terminal transmits the generated financial transaction request information to a server through a communication network using the GUI program (965).

In more detail, in FIG. 10, various transaction information corresponding to the transaction type for the GUI banking is input through the process illustrated in FIG. 9, and financial transaction information including the customer account information and transaction information is generated. When the financial transaction request information including the financial transaction information is transmitted to the GUI banking server 110 on the GUI banking system illustrated in FIG. 6 through a communication network, the GUI banking server 110 based on the financial transaction information. Regarding the process of processing the GUI banking, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the GUI banking process. However, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, FIG. 10 illustrates separately the customer validity verification through the customer authentication information included in the financial transaction information and the GUI banking validity verification process through the transaction authentication information included in the financial transaction information. The present invention is not limited thereto, and the customer validity authentication and the GUI banking validity authentication process may be simultaneously performed, and the present invention is characterized by including all possible inference methods.

Hereinafter, in FIG. 10, the customer terminal 115 having the GUI program illustrated in FIG. 5 is referred to as a “terminal” for convenience through the program providing system illustrated in FIG. 2 and the GUI banking system illustrated in FIG. 6. The GUI banking server 110 on the top is referred to as a "server" for convenience.

Referring to FIG. 10, through the process shown in FIG. 9, various transaction information corresponding to the transaction type for the GUI banking is input, financial transaction information including the customer account information and transaction information is generated, and When the financial transaction request information including the financial transaction information is transmitted to the GUI banking server 110 on the GUI banking system illustrated in FIG. 6 through a communication network, the server receives the financial transaction request information through a communication network (1000). In step 1005, the financial transaction information included in the received financial transaction request information is checked.

When the financial transaction request information is encrypted according to an embodiment of the present invention, the financial transaction request information (or financial transaction information included in the financial transaction request information) is decrypted to decode the financial transaction information included in the financial transaction request information. It is desirable to confirm.

When the financial transaction information included in the financial transaction request information is confirmed, the server checks the validity of the customer authentication for the customer authentication information included in the financial transaction information in connection with the GUI banking operation D / B 630 (1010). ).

According to an exemplary embodiment of the present invention, when authenticating the GUI banking through the GUI program for each financial transaction type or for each financial transaction step, the server may execute the GUI program provided in the customer terminal 115. It is preferable that the at least one terminal address authentication information inputted through (or attached by a communication protocol) and account address authentication information are compared with the customer authentication information stored in the GUI banking operation D / B 630 to perform authentication processing.

If the customer authentication validity of the customer authentication information included in the financial transaction information is not confirmed (1015), the server generates a financial transaction history including the banking validity error information (1020), the financial transaction history The financial transaction result information is generated through transaction processing and / or encryption processing (1060), and the generated financial transaction result information is transmitted to the terminal through a communication network (1065).

According to another embodiment of the present invention, the server may transmit the validity error information to the wireless terminal of the customer, whereby the present invention is not limited.

On the other hand, if the customer authentication validity of the customer authentication information included in the financial transaction information is confirmed (1015), the server is linked to the GUI banking operation D / B (630) for the transaction authentication information included in the financial transaction information Validate the GUI banking (1025).

According to an embodiment of the present invention, when the transaction authentication information included in the financial transaction information includes an account password (or financial transaction password), the server is included in the financial transaction information and receives the received account password (or financial transaction). Password) and the account password (or financial transaction password) included in the GUI banking setting information stored in the GUI banking operation D / B 630, so as to authenticate the GUI banking corresponding to the financial transaction information. .

According to another exemplary embodiment of the present invention, when the transaction authentication information included in the financial transaction information includes a security code combination (or OTP code, or a mobile phone authentication code), the server is included in the financial transaction information and received. Security code combination (or OTP code, or mobile phone authentication code) and the security code combination (or generated based on the GUI banking setting information) included in the GUI banking setting information stored in the GUI banking operation D / B 630 ( Or OTP code, or mobile phone authentication code), it is preferable to authenticate the GUI banking corresponding to the financial transaction information.

According to another exemplary embodiment of the present invention, when the transaction amount is included in the financial transaction information, the server limits the transaction amount included in the GUI banking setting information stored in the GUI banking operation D / B 630. It is preferable to authenticate the GUI banking corresponding to the financial transaction information by checking whether the amount is exceeded.

If the GUI banking validity of the financial transaction information is not confirmed (1030), the server generates a financial transaction history including the banking validity error information (1020), transaction processing and / or the financial transaction details The financial transaction result information is generated through an encryption process (1060), and the generated financial transaction result information is transmitted to the terminal through a communication network (1065).

On the other hand, if the GUI banking validity of the financial transaction information is confirmed (1030), the server processes the financial transaction corresponding to the confirmed financial transaction information (1035).

Financial transaction information included in the received financial transaction request information according to an embodiment of the present invention is the current financial transaction (eg, account inquiry, inter-transfer transfer transaction, utility bill payment, credit card payment amount inquiry, loan interest / monthly payment deposit) Transaction, tuition payment, etc.), the server is characterized in that to process the current financial transaction in connection with the financial system.

According to another exemplary embodiment of the present invention, when the financial transaction information included in the received financial transaction request information includes a party transaction, such as a transfer transaction from the party to the other party, the server establishes a financial common network. It is characterized by processing the other party financial transactions in connection with the other financial system through.

If a financial transaction corresponding to the financial transaction information is processed (1040), the server generates the ledger processing information corresponding to the financial transaction processing result (1045), and in connection with the financial system to generate the ledger processing information Stored in the ledger on the financial system (1050).

According to an embodiment of the present invention, the server identifies the information to be added (or changed) to the ledger in response to the financial transaction processing result, generates ledger processing information including the checked information, and generates the ledger. It is preferable to process the ledger processing information so as to be stored in the account ledger (or the transaction history additional ledger) corresponding to the customer account information (or the customer account information) included in the financial transaction information in association with the managing financial system.

Thereafter, the server generates a financial transaction history corresponding to the financial transaction processing result (1055), generates financial transaction result information through transaction processing and / or encryption processing on the financial transaction history (1060), The generated financial transaction result information is transmitted to the terminal through a communication network (1065). In response, the terminal transmits the financial transaction result information included in the financial transaction result information based on the GUI banking information to a predetermined area on the desktop. Output to (1070).

According to the present invention, a batch (or at least one of customer account authentication information, terminal address authentication information and account address authentication information in a graphic user interface program produced by a financial institution (or an affiliated institution of a financial institution) and distributed to a customer terminal) By the type of financial transaction or by the stage of the financial transaction), by providing the customer authentication function, various inquiry transactions and transaction amounts are pre-set based on the customer authentication function without a separate authentication procedure through a high authentication means such as an accredited certificate. There is an advantage in providing a non-face-to-face financial transaction that includes at least one or more various payment transactions, or small transfer transactions.

Claims

A first output function for processing a graphic user interface for selecting a transaction type to be output to a predetermined area on the desktop of the client terminal operating system (or platform) when the customer authentication through the customer account authentication information is confirmed;

Inputting account address authentication information including customer account information, at least one transaction information corresponding to the selected transaction type, transaction authentication information, and external account address information of the customer (personal homepage address, blog address, e-mail address, etc.); A second output function for processing a graphic user interface to be output to a predetermined area on the desktop of the operating system (or platform);

Address information of the computer (or terminal) in the financial transaction information including at least one of the customer account information, the transaction information, the transaction authentication information, and the account address authentication information; an IP (Internet Protocol) address, a media access control (MAC) address A transaction function for attaching the terminal address authentication information including the back to the server to be transmitted to the server on the communication network;

A graphic user interface for outputting the financial transaction result processed through the customer account authentication information, the account address authentication information, the terminal address authentication information, and the transaction authentication information is output to a predetermined area on the desktop of the operating system (or platform). And a third output function configured to record a program for executing the third output function.

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

Address information of the computer (or terminal) in the financial transaction information including at least one of the customer account information, the transaction information, the transaction authentication information, and the account address authentication information; an IP (Internet Protocol) address, a media access control (MAC) address. A transaction function for attaching the terminal address authentication information including the back to the server to be transmitted to the server on the communication network;

At least one of customer account authentication information, terminal address authentication information including a computer (or terminal) IP (Internet Protocol) address, a MAC (Media Access Control) address, and a customer's personal homepage address, blog address, and e-mail address. A storage medium storing and storing the account address authentication information including;

When the computer (or terminal) receives the customer account authentication information input through the graphical user interface, the client account authentication information is authenticated in association with the storage medium, and the customer account information and the transaction information input through the graphical user interface. When the terminal address authentication information is attached to the financial transaction information including at least one transaction authentication information and account address authentication information, the terminal address authentication information is authenticated in association with the storage medium and the storage medium is connected with the storage medium. A customer authentication unit for authenticating the account address authentication information included in the financial transaction information;

A banking authentication unit for authenticating the transaction authentication information included in the financial transaction information;

And a banking processor configured to process financial transactions corresponding to the customer account information and the transaction information included in the financial transaction information. The financial transaction customer authentication processing server using the graphic user interface.

When the computer (or terminal) receives the customer account authentication information input through the graphical user interface, the server receives the customer account authentication information, the IP (Internet Protocol) address and the media access control (MAC) address of the computer (or terminal). Authenticating the customer account authentication information in association with a storage medium that stores and stores the terminal address authentication information and the account address authentication information including at least one of a personal homepage address, a blog address, and an e-mail address of the customer; When the terminal address authentication information is received and attached to the financial transaction information including at least one of customer account information, transaction information, transaction authentication information, and account address authentication information input through the graphic user interface, The terminal included in the financial transaction information by authenticating the terminal address authentication information and linked with the storage medium; Authenticating the static address authentication information;

Authenticating the transaction authentication information included in the financial transaction information at a server;

Processing a financial transaction corresponding to the customer account information and the transaction information included in the financial transaction information in the server; financial transaction customer authentication processing method using a graphical user interface, characterized in that it comprises a.