KR20090018758A

KR20090018758A - System for providing plural financial account processing program and program recording medium

Info

Publication number: KR20090018758A
Application number: KR1020070083105A
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 system for conveniently and simply offering a program for operating a plurality of account information, and a program recording medium thereof are p output at least one account transaction information among a plurality of accounts. A first function provides an icon and an interface having a shape different from respective accounts of a customer. A second function checks the icon and the interface assigned to the account corresponding to received account transaction information. A third function outputs the received account transaction information through the checked icon and interface.

Description

A system for providing a plurality of account information operation programs and a program recording medium therefor {System for Providing Plural Financial Account Processing Program and Program Recording Medium}

1 is a diagram showing a banking system configuration for providing non-face-to-face financial transactions for each account 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 for each account in a customer terminal according to an exemplary embodiment of the present invention.

3A and 3B are diagrams illustrating a process of remotely installing and downloading a GUI program for each account to a customer terminal according to an exemplary embodiment of the present invention.

4A and 4B are diagrams illustrating a process of remotely installing and downloading a GUI program for each account to a customer terminal according to another exemplary embodiment of the present invention.

5 is a diagram showing the configuration of the GUI program function for each account recorded in the recording medium of the customer terminal in order to provide a GUI banking function for each account 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 each account for selecting a transaction type for GUI banking in a predetermined area on a desktop according to one embodiment of the present invention.

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

9 illustrates a process of outputting a GUI banking interface for each account 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. One drawing.

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

FIG. 11 is a diagram illustrating a process of outputting a GUI banking interface between accounts for selecting a transaction type for GUI banking in a predetermined area on a background screen according to one embodiment of the present invention.

12 is a diagram illustrating a process of outputting a GUI banking interface between accounts for selecting a transaction type for GUI banking in a predetermined area on a background screen according to another exemplary embodiment of the present invention.

FIG. 13 illustrates a process of outputting a GUI banking interface between accounts 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. One drawing.

14 is a diagram illustrating a GUI banking process between customer accounts according to an embodiment of the present invention.

100: program providing server 105: GUI banking server

110: customer terminal

The present invention is characterized in that it is installed in the customer terminal, the function of providing a separate icon and individual interface for each of the plurality of accounts possessed by the customer, and at least one or more accounts of the plurality of accounts possessed by the customer through the communication network When the transaction information is received, executing the function of confirming the icon and the interface assigned to the account corresponding to the received account transaction information, and processing the output of the received account transaction information through the identified icon and interface. A computer readable recording medium is provided.

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, means for providing a program having a separate icon and a separate interface for each account possessed by the customer to the customer terminal and carried by the customer through the program provided to the customer terminal It is to provide a plurality of account information management program providing system including a means for outputting at least one account transaction information of a plurality of accounts.

The computer-readable recording medium according to the present invention is installed in a customer terminal, and has a function of providing a separate icon and an individual interface for each of a plurality of accounts held by the customer, and the customer through the communication network. When at least one account transaction information among a plurality of accounts is received, a function of checking an icon and an interface assigned to an account corresponding to the received account transaction information, and the received account transaction information through the identified icon and interface Characterized in that a program is recorded for executing a function of processing the output.

In the computer-readable recording medium according to the present invention, the program further comprises the function of integrating the deposit and withdrawal transaction details of the plurality of accounts of the customer and the function of outputting the integrated deposit and withdrawal transaction details. .

On the other hand, the plurality of account information management program providing system according to the present invention, through the means provided by the customer terminal with a program having a separate icon and a separate interface for each of the plurality of accounts possessed by the customer and the program provided to the customer terminal And means for outputting at least one or more account transaction information among a plurality of accounts possessed by the customer.

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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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.

In more detail, Figure 1 is a graphical user interface (GUI) program for each account corresponding to a plurality of customer accounts in a financial institution (or affiliated institution of the financial institution) (hereinafter referred to as a "GUI program"). When provided with a non-face-to-face financial transactions (hereinafter referred to as "GUI banking") function corresponding to each of the customer accounts, the customer terminal 110 provides a GUI program for each account corresponding to a plurality of customer accounts, respectively. As a system configuration for processing GUI banking for each account through, the person skilled in the art to which the present invention pertains, non-face-to-face financing through the graphical user interface program by referring to and / or modifying the Figure 1 While it may be possible to infer various implementation methods for the configuration of a banking system that provides a transaction, the present invention provides an implementation method that is inferred. Two it included and is not limited by the exemplary method shown in the figure 1.

Referring to FIG. 1, a banking system for providing non-face-to-face financial transactions through the graphical user interface program includes a GUI banking function corresponding to each customer account in a GUI program for each account corresponding to a plurality of customer accounts. A customer terminal 110 that mounts a GUI program, a program providing server 100 that downloads and mounts a GUI program for each account to the customer terminal 110 through a communication network, and an account provided in the customer terminal 110. And a GUI banking server 105 for processing a financial transaction corresponding to GUI banking for each account in association with the GUI program for each account, and at least one corresponding to the GUI banking for each account for processing the GUI program for each account. The customer account is characterized in that it comprises a financial system opened.

The customer terminal 110 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 connected to the Internet, and / or at least one wireless data communication terminal connected to a DataTAC / Mobitex-based wireless data communication network. 110 is characterized in that the default output of the desktop corresponding to the operating system (or platform) And a graphical user interface corresponding to the GUI program is characterized in that the output to the predetermined area on the desktop.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 110 corresponding to at least one or more wired terminals or wireless terminals, so a detailed description thereof is omitted for convenience. do.

The program providing server 100 is for each account corresponding to a plurality of customer accounts to operate in the operating system (or platform) of the customer terminal 110 among the servers operated by the financial institution (or affiliated institutions of the financial institution). It is characterized in that it comprises a server for processing to download and load the GUI program to the customer terminal (110).

According to one embodiment of the invention, the account-specific GUI program comprises a single GUI program having a plurality of account-specific GUI banking interface (or a cross-account GUI banking interface) corresponding to a plurality of customer accounts, respectively. Do.

According to another exemplary embodiment of the present invention, it is preferable that the GUI program for each account includes a plurality of individual GUI programs each having a GUI banking interface (or GUI banking interface between accounts) corresponding to each of a plurality of customer accounts. Do.

Here, the account-specific GUI banking interface, it is preferable to include a graphical user interface for processing a variety of inquiry transactions, transfer transactions and payment transactions for a specific customer account through the GUI program.

Alternatively, the inter-account GUI banking interface may include a graphical user interface for processing a financial transaction between a first customer account and a second customer account through the GUI program, and according to a preferred embodiment of the present invention. Preferably, the inter-account GUI banking interface information includes a graphical user interface formed by combining a GUI banking interface for each account corresponding to a first customer account and a GUI banking interface for each account corresponding to a second customer account.

For example, the GUI banking between accounts may be withdrawn from the free withdrawal account of the customer name corresponding to the first customer account among a plurality of customer accounts to the savings account of the customer name corresponding to the second customer account. It is preferable to include a financial transaction between the customer account to process the deposit, wherein the inter-account GUI banking interface and the graphical user interface corresponding to the account-specific GUI banking interface for processing the withdrawal transaction of the first customer account; Preferably, a combination of a graphical user interface corresponding to an account-specific GUI banking interface for processing a deposit transaction of the second customer account is preferred.

The GUI banking server 105 inputs (or selects) financial transaction information corresponding to a specific customer account among a plurality of customer accounts through the GUI program for each account in the customer terminal 110, and inputs (or selects) the user. When the financial transaction request information including the financial transaction information is transmitted, the financial transaction request information is received through the communication network and the non-face-to-face financial transaction corresponding to the financial transaction request information is linked to the financial system. Characterized in that it comprises at least one server (or server group) provided in a financial institution.

Hereinafter, the technical method of the present invention through the implementation method comprising the GUI program for each account including a GUI program having a plurality of account-specific GUI banking interface (or inter-account GUI banking interface) corresponding to a plurality of customer accounts, respectively. Features will be described in detail. However, the GUI program for each account may be applied to a plurality of customer accounts in addition to one GUI program having a plurality of account-specific GUI banking interfaces (or an inter-account GUI banking interface) corresponding to a plurality of customer accounts, as in the following method. It is possible to include a plurality of individual GUI programs corresponding to each other, and those skilled in the art to which the present invention pertains, a plurality of individual corresponding to a plurality of customer accounts with reference to the implementation method shown below Various implementation methods for the GUI program may be inferred, and the present invention is characterized by including all the implementation methods inferred.

2 is a diagram illustrating a program providing system for mounting a GUI program for each account in the customer terminal 110 according to an embodiment of the present invention.

In more detail, FIG. 2 shows a GUI program for each account corresponding to a plurality of customer accounts from the server provided on the communication network connected to the customer terminal 110 to the customer terminal 110. Thus, the configuration of the program providing system for recording on the recording medium provided in the customer terminal 110, if one of ordinary skill in the art to which the present invention belongs, reference to and / or modifying the Various implementation methods for the program providing system for mounting the GUI program for each account to the customer terminal 110 can be inferred, but the present invention includes all the implementation methods inferred, in the implementation method shown in FIG. It is not limited by.

For example, FIG. 2 illustrates an implementation method in which the GUI program for each account includes one GUI program having a plurality of account-specific GUI banking interfaces (or GUI-to-account GUI banking interfaces) corresponding to a plurality of customer accounts, respectively. Although the present invention is not limited thereto, the GUI program for each account may include a plurality of individual GUI programs corresponding to a plurality of customer accounts, respectively.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, after referring to and / or modifying the Figure 2, the customer terminal 110 to mount a GUI program for each account corresponding to each of a plurality of customer accounts after Through the separate information registration system, it may be possible to infer an implementation method of registering the account-specific GUI banking setting information corresponding to at least one or more account-specific GUI banking in the GUI program for each account and loading the same into the GUI program for each account. It will be apparent that the present invention includes all implementation methods inferred.

The GUI program for each account corresponding to each of the plurality of customer accounts operates a program on an operating system (or platform) included in the customer terminal 110 and displays the processing result of the desktop corresponding to the operating system (or platform). It is characterized in that it comprises all the programs output to a predetermined area of the image.

Hereinafter, in FIG. 2, a server for processing a GUI program for each account corresponding to a plurality of customer accounts is downloaded to the customer terminal 110 and recorded on a recording medium provided in the customer terminal 110 for convenience. Server 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 and records a GUI program for each account corresponding to a plurality of customer accounts. A program providing server 100 connected to the customer terminal 110 to be recorded in the customer terminal 110 and a predetermined communication network to provide a GUI program for each account for non-face-to-face financial transactions to the customer terminal 110. It is made, including.

The customer terminal 110 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 110 is the enemy provided by the program providing server 100 Output one or more interface screens, and input (or select) predetermined GUI program request information for downloading and remotely mounting the GUI program for each account through the interface screen and transmitting the same to the program providing server 100. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

When the customer terminal 110 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the customer terminal 110 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 110 through the communication network to provide a web interface corresponding to the customer terminal 110 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 110 through a wired and / or wireless communication network. do.

According to an embodiment of the present invention, when the customer terminal 110 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 200 is connected to the customer terminal 110 and HTTP ( Interface screen including an information input interface in the form of HTML (Hyper-Text Markup Language) compatible document connected to a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol and to the customer terminal 110 through the communication channel. It is preferable to connect and manage a communication channel for transmitting and outputting and receiving and inputting information input through the information input interface from the customer terminal 110.

According to another embodiment of the present invention, when the customer terminal 110 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 110 and 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 110 through the communication channel. It is preferable to connect and manage a communication channel which 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 110.

According to another exemplary embodiment of the present invention, when the customer terminal 110 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 110. 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 110 through the communication channel, and output the result. It is preferable to connect and manage a communication channel for receiving and receiving information input through the information input interface from the 110, or the customer terminal 110 is connected to the communication channel through 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 110 and the DataTAC / Mobitex standard. Connect a predetermined communication channel, transmit and output an interface screen including a predetermined information input interface to the customer terminal 110 through the communication channel, and input through the information input interface from the customer terminal 110. It is desirable to connect and manage a communication channel for receiving and processing information.

According to the present invention, the program providing server 100 is connected to the interface unit 200 when a predetermined customer terminal 110 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 110, and the customer terminal; An information receiving unit 210 for receiving GUI program request information including the customer information from 110 and at least to be included in the GUI program for each account in association with a financial system based on the customer information included in the GUI program request information; It is characterized in that it comprises an information confirmation unit 215 for confirming one or more customer account information.

The interface providing unit 205 has a functional configuration (eg, a customer) provided in the customer terminal 110 when a predetermined customer terminal 110 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 corresponding to a browser program provided in the terminal 110 and transmitting the predetermined GUI program request information to the program providing server 100 through the communication network. Generating and / or extracting from a predetermined database (not shown) and providing the generated (or extracted) interface screen to the customer terminal 110 through the communication network in association with the interface unit 200. It features.

Thereafter, the customer terminal 110 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 customer for GUI banking processing through the GUI program for each account For authentication, the GUI program request information includes 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 for each account, and the customer terminal ( Terminal address authentication information including at least one of IP (Internet Protocol) address information, MAC (Media Access Control) address information, and telephone number information for the client terminal 110 identified through a communication network to which the terminal 110 is connected, Include at least one account address authentication information corresponding to each customer's personal homepage (or blog or e-mail) address. Preferably comprises a client authentication information.

When the customer terminal 110 inputs (or selects) and transmits 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. It is characterized by.

When the GUI program request 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 program request information, and the financial system. Check a plurality of customer accounts (for example, real accounts, Internet banking accounts, online accounts, virtual accounts, etc.) corresponding to the customer information in association with the customer information, and the GUI program for each account among the identified plurality of customer accounts; Characterizing at least one customer account information to be included in.

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. At least one interface screen for selecting at least one customer account to be included in the GUI program for each account among the identified customer accounts is provided to the customer terminal 110, and at least one to be included in the GUI program for each account from the customer terminal 110. After receiving the above customer account selection 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 has at least one GUI banking for each account in the GUI program for each account to provide to the customer terminal 110, in conjunction with 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 GUI banking setting information for each account in the customer terminal 110, and the customer terminal. Characterized in that it comprises an information receiving unit 210 for receiving the GUI banking setting information for each account from (110).

When the GUI program request information is received from the customer terminal 110, the interface providing unit 205 is provided with a functional configuration (for example, a browser program provided in the customer terminal 110) provided in the customer terminal 110. Correspondingly, the user can input (or select) account-specific GUI banking setting information for mounting the account-specific GUI banking into the GUI program for each account in the form of a graphical user interface, and transmit the same to the program providing server 100 through the communication network. Create an interface screen including an information input interface, and / or extract from a predetermined database (not shown), and interface the generated (or extracted) interface screen with the interface unit 200 via the communication network. Characterized in that provided to the customer terminal (110).

Thereafter, the client terminal 110 selects a financial transaction type selection information corresponding to a GUI banking transaction type to be provided through the GUI program for each account, and transaction target information corresponding to the selected financial transaction type based on the interface screen. And input (or select) GUI banking setting information for each account including at least one transaction limit amount information and transaction authentication information, and provide the program through the communication network with the input (or selected) GUI banking setting information for each account. Send to server 100.

According to another exemplary embodiment of the present invention, the information input interface includes a user interface for integrating and inputting the GUI program request information and GUI banking setting information for each account, and the GUI program request information and the account in the client terminal 110. The GUI banking setting information may be integrated and transmitted to the program providing server 100, and the present invention is not limited thereto.

In order to provide the GUI program for each account in the GUI program for each account, and to provide the account to the customer terminal 110, the GUI banking setting information for each account is included in each of the financial transaction types corresponding to a plurality of customer accounts. Financial transaction type selection information corresponding to the GUI banking transaction type for each account to be provided through the GUI program, transaction target information for each account corresponding to the selected financial transaction type, transaction limit amount information for each account, and transaction authentication information for each account Characterized in that it comprises at least one or more.

Here, the financial transaction type selection information for loading the GUI banking for each account into the GUI program for each account in the form of a graphical user interface may include inquiry transactions corresponding to a plurality of customer accounts or transfer of at least one transaction target account. It is preferable to include at least one transaction, or at least one bill payment transaction to 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 for each account into the GUI program for each account in the form of a graphical user interface, when the financial transaction type selection information includes the transfer transaction, is subject to GUI banking among a plurality of customer accounts. Preferably, a predetermined amount of money is withdrawn from a customer account, and includes transaction target account information. When the financial transaction type selection information includes the utility bill payment transaction, a plurality of customer accounts are included in the GUI banking target customer account. It is preferable that a predetermined billing amount is included, including billing agency information to be withdrawn and paid.

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 for each account into the GUI program for each account in the form of a graphic user interface may be such that a financial transaction corresponding to the financial transaction type selection information has a predetermined amount from the customer account to which the GUI banking target is applied. When it includes a financial transaction withdrawn from the at least one transaction target corresponding to the transaction target information, it is preferable to include information for setting a limit amount for the financial transaction corresponding to the GUI banking target customer account. .

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.

In addition, the transaction authentication information for loading the GUI banking for each account into the GUI program for each account in the form of a graphical user interface, the account-specific financial for processing a financial transaction corresponding to the financial transaction type selection information through a graphical user interface It is preferable that the transaction authentication information is included.

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 through an OTP generator provided to the customer during the internet banking subscription process), mobile phone authentication code information (eg, the mobile phone (or wireless terminal) of the customer). At least one more random number code transmitted to It is preferred.

When the customer terminal 110 inputs (or selects) GUI banking setting information for each account including the customer information through the interface screen, the information receiving unit 210 sets the GUI banking for each account through a communication network. And receiving information.

According to an exemplary embodiment of the present invention, the program providing server 100 stores at least one GUI program source (or GUI program component) or a program D / B for storing a GUI program file to be provided to the customer terminal 110. And, when the GUI program request information and the GUI banking setting information for each account is received from the customer terminal 110, based on the GUI program request information to a plurality of customer accounts confirmed by the information check unit 215 Generates GUI banking interface information (or GUI banking interface information between accounts) to be included in the GUI program for each account based on the corresponding account attribute information and the financial transaction type selection information included in the GUI banking setting information for each account. Account information interface 220 for each account and the GUI banking interface definition for each account from the program D / B A program providing unit 225 for extracting and / or dynamically generating a GUI program for each account corresponding to the GUI banking interface information between accounts and providing the same to the customer terminal 110 through the interface unit 200; The GUI program information for each account, the customer account information included in the GUI program for each account, and the GUI banking setting information for each account are linked with the customer information included in the GUI program request information to the GUI banking operation D / B 240. Characterized in that it comprises an information storage unit 235 for storing, after the GUI program for each account is downloaded and remotely mounted to the customer terminal 110 as described above, the GUI for each account in the customer terminal 110 When the program is executed, it is provided with a diagnosis unit 230 for diagnosing the validity of the GUI program for each account by interworking with the GUI program for each account. It is characterized by.

When the GUI program request information is received from the customer terminal 110 and a plurality of customer account information included in the GUI program for each account is confirmed through the information checking unit 215, the interface information generation unit for each account 220 In order to generate the GUI banking interface information for each account (or GUI banking interface information between accounts), the account attribute information corresponding to each of the identified plurality of customer accounts is identified in connection with the financial system.

According to an embodiment of the present invention, the account attribute information corresponding to each of the plurality of customer accounts preferably includes information confirming the identified plurality of customer account types, characteristics, and transaction attributes. The types, characteristics and transaction attributes of the customer account identified through the information may include at least one of a free and withdrawal account, a deposit account, a savings account, a financial management account (FMA), an online account, a virtual account, and the like. It is preferable to make.

Those skilled in the art to which the present invention pertains will be able to infer various types of customer account types and characteristics and transaction attributes in addition to the types and characteristics and transaction attributes described above. It includes all customer account types, characteristics and transaction attributes.

Accounts that include customer account types, characteristics, and transaction attributes corresponding to the identified plurality of customer accounts, and include financial transaction type selection information corresponding to the identified plurality of customer accounts from the customer terminal 110, respectively. When the GUI banking setting information for each account is received, the interface information generation unit 220 for each account performs GUI banking corresponding to the customer account types, characteristics and transaction attributes, and the financial transaction type selection information corresponding to a plurality of customer accounts, respectively. It is characterized by generating the GUI banking interface information (or GUI banking interface information between accounts) for each account for processing.

Here, the GUI banking interface information for each account is a customer terminal 110 equipped with the GUI program to handle a variety of inquiry transactions, transfer transactions and payment transactions for a specific customer account through the GUI program. Preferably comprises interface information for processing to output to a predetermined area on the desktop.

For example, if the identified customer account type, characteristics and transaction attributes include a free withdrawal account, and the financial transaction type selection information included in the GUI banking setting information for each account includes a free withdrawal transaction, the interface information for each account The generation unit 220 preferably generates GUI banking interface information for each account including a graphic user interface for processing a free withdrawal transaction for the free withdrawal account.

Alternatively, when the identified customer account type, characteristics and transaction attributes include a savings account, and the financial transaction type selection information included in the GUI banking setting information for each account includes a reserve payment transaction, generate interface information for each account. The unit 220 preferably generates GUI banking interface information for each account including a graphic user interface for processing a deposit payment transaction for the savings account.

Alternatively, when the identified customer account type, characteristics and transaction attributes include a securities affiliate account, and the financial transaction type selection information included in the GUI banking setting information for each account includes securities transactions, generate interface information for each account. The unit 220 preferably generates GUI banking interface information for each account including a graphic user interface for processing a securities transaction for the securities affiliate account.

Alternatively, the identified customer account type, characteristics, and transaction attributes include an online account for managing the expenses of the customer, and the financial transaction type selection information included in the GUI banking setting information for each account is used to manage the expenditure through the online account. If included, the interface information generation unit 220 for each account is preferable to generate the GUI banking interface information for each account including a graphical user interface for processing the expenditure management for the online account.

Alternatively, the identified customer account type, characteristics, and transaction attributes include a virtual account for managing the deposit of the customer, and the financial transaction type selection information included in the GUI banking setting information for each account is used to execute the deposit transaction for the virtual account. If included, the interface information generation unit 220 for each account is preferable to generate the GUI banking interface information for each account including a graphical user interface for processing the deposit transaction for the virtual account.

In addition, the inter-account GUI banking interface information generated by the account-specific interface information generation unit 220 may include a graphical user interface for processing a financial transaction between a first customer account and a second customer account through the GUI program. Interface information for processing to output to a predetermined area on the background screen of the customer terminal 110 is provided with the GUI program, preferably, according to a preferred embodiment of the present invention, the GUI banking interface information between the accounts A graphical user interface, which is a combination of a GUI banking interface for each account corresponding to a customer account and a GUI banking interface for each account corresponding to a second customer account, is placed in a predetermined area on the desktop of the customer terminal 110 equipped with the GUI program. Including the interface information to process the output It is preferred.

For example, the GUI banking between the accounts withdraws 100,000 won from the free deposit and withdrawal account of the customer name corresponding to the first customer account among a plurality of customer accounts to the savings account of the customer name corresponding to the second customer account. In the case of a financial transaction between customer accounts for deposit processing, the GUI banking interface information between the accounts includes a graphical user interface corresponding to a GUI banking interface for each account for processing the withdrawal transaction of the first customer account, and the second account. It includes interface information for processing to output to a certain area on the desktop screen of the customer terminal 110 equipped with the GUI program by combining the graphical user interface corresponding to the GUI banking interface for each account for processing the deposit transaction of the customer account. It is preferable to make it.

According to an embodiment of the present invention, the program D / B is characterized in that for storing a GUI program file that can be operated in the operating system (or platform) provided in the customer terminal 110, GUI banking for each account When interface information (or GUI accounting interface information between accounts) is generated, the program provider 225 matches (eg, GUI banking interface information for each account) from the program D / B to the account D (B). And a predetermined GUI program file (e.g., a program file) for each account, which includes a function of outputting the GUI banking interface (or the inter-account GUI banking interface) for each account to a predetermined area on the desktop of the customer terminal 110. A program setting file corresponding to the GUI program file for each account (for example, a financial transaction function of the GUI program for each account) And an INI file to be set, a registry information file, or a data file), and the program setting file preferably includes GUI banking interface information for each account (or GUI banking interface information between accounts). .

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 110. When the GUI banking interface information for each account (or GUI banking interface information between accounts) is generated, the program providing unit 225 may provide the GUI banking interface information for each account (or GUI between accounts) from the program D / B. GUI program source (or a function of outputting a GUI banking interface for each account (or an inter-account GUI banking interface) corresponding to banking interface information) to a predetermined area on the background screen of the customer terminal 110 (or Extract a GUI program component, and compile the extracted GUI program source (or GUI program component) Dynamically generating a GUI program for each account to be provided to the customer terminal 110, the generated GUI program for each account is a graphic corresponding to the GUI banking interface information for each account (or GUI banking interface information between accounts) It is preferred to include a user interface.

According to another exemplary embodiment of the present invention, the program providing unit 225 extracts (or generates) a plurality of GUI programs for each account, which are respectively matched with the GUI banking interface information for each account (or the GUI banking interface information between accounts). It is possible that the present invention is not limited thereby.

According to an embodiment of the present invention, the account-specific GUI program is linked to the operating system (or platform) provided in the customer terminal 110, the account-specific GUI program corresponding to the account-specific GUI banking provided through the graphical user interface Code, customer account information corresponding to the customer's GUI banking target customer account, and the financial transaction type selection information included in the GUI banking setting information for each account configured to provide GUI banking for each account in the form of a graphical user interface. Transaction type information matched with the transaction information, transaction target information included in the GUI banking setting information for each account, limit amount information corresponding to transaction limit value information included in the GUI banking setting information for each account, and the GUI program for each account. Banking element for processing non-face-to-face financial transactions corresponding to the transaction type information through code That the beam comprises a GUI banking information including at least one are preferred.

Here, the banking element information included in the GUI banking information includes GUI banking interface information including a graphic user interface corresponding to a plurality of customer accounts, and various financial transaction information are input (or selected) through the GUI banking interface information. I / O control information for controlling the method and order, and various encryption keys / decryption keys and encryption / decryption methods and encryption / decryption procedures for encrypting / decrypting various financial transaction information inputted through the GUI banking interface information. It is preferable to include at least one encryption / decryption control information for controlling such and the like, and transaction control information for controlling the manner and order of transacting the financial transaction information through a communication network.

Thereafter, the program providing unit 225 remotely mounts the GUI program for each account extracted through the interface unit 200 to the customer terminal 110 through the communication network. Those skilled in the art will be familiar with how to remotely mount the GUI program for each account (for example, remotely to the customer terminal 110 with a program provider certificate). Detailed description thereof will be omitted for convenience.

When the GUI program for each account is downloaded to the customer terminal 110 and remotely mounted as described above, the client terminal 110 first executes the GUI program for each account and authenticates the validity of the GUI program for each account. Initiates a GUI program diagnostic mode for each star, the diagnostic unit 230 is the program providing server 100 is interoperable with the GUI program for each account provided in the customer terminal 110 for the validity of the GUI program for each account It is characterized by diagnosing.

According to the implementation method of the present invention, the GUI program diagnostic mode for each account, the GUI program for each account is executed in the customer terminal 110, the GUI program for each account is a virtual ratio with the program providing server 100 It comprises at least one of transmitting and receiving information (or data) corresponding to the face-to-face financial transaction.

When the validity of the GUI program for each account is confirmed as a result of the diagnosis of the diagnosis unit 230, the information storage unit 235 is downloaded to the customer terminal 110 and the GUI program information for each account recorded in the recording medium and the Predetermined GUI banking operation by linking and processing the customer information and the customer account information corresponding to the GUI program for each account and the GUI banking setting information for each account to mount the GUI banking for each account in the GUI program for each account in the form of a graphical user interface. It is preferable to store the data in association with / B (240).

Thereafter, the GUI program information for each account stored in the GUI banking operation D / B 240, the customer information, the customer account information, and the account-specific GUI banking are installed in the GUI program for each account in the form of a graphical user interface. The GUI banking setting information is used to provide non-face-to-face financial transactions through the GUI program for each account in the GUI banking system shown in FIG.

According to another exemplary embodiment of the present invention, the program providing server 100 stores at least one or more GUI program sources (or GUI program components) or GUI program files to be provided to the customer terminal 110. B and, when the GUI program request information and the GUI banking setting information for each account are received from the customer terminal 110, extracts a predetermined GUI program for each account corresponding to the GUI program request information from the program D / B. The program providing unit 225 provided to the customer terminal 110 through the interface unit 200, the GUI program information for each account, the customer account information included in the GUI program for each account, and the GUI banking setting for each account. It is provided with an information storage unit 235 for storing the information stored in the GUI banking operation D / B (240) by linking the beam with the customer information included in the GUI program request information In this case, if the customer authentication is confirmed through the GUI banking system shown in Figure 6 by executing the GUI program for each account in the customer terminal 110 as described above, the customer through the GUI banking system Based on the account attribute information corresponding to the plurality of confirmed customer accounts and the financial transaction type selection information included in the GUI banking setting information for each account stored in the GUI banking operation D / B 240, Processing such that GUI banking information including GUI banking interface information (or GUI banking interface information between accounts) for each account to be included in the GUI program for each account is provided to the GUI banking program provided in the customer terminal 110 through a communication network. It features.

Here, the program D / B is characterized in that for storing a GUI program file that can be operated in the operating system (or platform) provided in the customer terminal 110, the GUI program request information from the customer terminal 110 And when the GUI banking setting information for each account is received, the program providing unit 225 provides 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 a program setting file corresponding to the file (for example, an INI file for setting a financial transaction function of a GUI program for each account, a registry information file, or a data file).

According to an embodiment of the present invention, the account-specific GUI program is linked to the operating system (or platform) provided in the customer terminal 110, the account-specific GUI program corresponding to the account-specific GUI banking provided through the graphical user interface It is preferable to include a code, and provides the GUI banking target customer account information corresponding to the GUI banking target customer account of the customer through the GUI banking system shown in Figure 6, the GUI banking for each account in the form of a graphical user interface The transaction type information matched with the financial transaction type selection information included in the GUI banking setting information for each account, the transaction target information included in the GUI banking setting information for each account, and the GUI banking setting information for each account. Limit amount information corresponding to the transaction limit amount information included, and the GUI program for each account Preferably, the code includes a function for receiving and executing GUI banking information including at least one banking element information for processing a non-face-to-face financial transaction corresponding to the transaction type information.

Thereafter, the program providing unit 225 remotely mounts the extracted GUI program for each account through the interface unit 200 to the customer terminal 110 through the communication network, and remotely mounts the present invention. Those skilled in the art will be familiar with the method of remotely mounting the GUI program for each account (for example, attaching the program provider certificate remotely to the customer terminal 110). Omit for convenience.

When the GUI program for each account is downloaded and remotely mounted to the customer terminal 110 as described above, the information storage unit 235 is downloaded to the customer terminal 110 and recorded with the account-specific GUI program information on a recording medium. The predetermined GUI banking operation is performed by linking and processing the customer information corresponding to the GUI program for each account, the customer account information, and the GUI banking setting information for each account to mount the GUI banking for each account in the GUI program for each account in the form of a graphical user interface. It is preferable to store in association with the D / B (240).

3A and 3B are diagrams illustrating a process of remotely loading a GUI program for each account to the customer terminal 110 according to an exemplary embodiment of the present invention.

In more detail, FIGS. 3A and 3B illustrate a GUI program for each account for non-face-to-face financial transactions from the program providing server 100 to the customer terminal 110 through the program providing system configuration shown in FIG. As a download and remote mounting process, a GUI banking interface corresponding to a plurality of customer accounts is provided in the GUI program for each account at a time when the GUI program for each account is provided to the customer terminal 110. It shows the process provided to the customer terminal (110).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b to download a predetermined account-specific GUI program for non-face-to-face financial transactions to the customer terminal 110. Various implementation methods for remote mounting 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. 3A and 3B.

3A and 3B, the customer terminal 110 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 and remotely mount a predetermined GUI program for a non-face-to-face financial transaction to the server (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 for each account to the customer terminal 110. Provided to the terminal (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).

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 customer for GUI banking processing through the GUI program for each account For authentication, the GUI program request information includes 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 for each account, and the customer terminal 110. Terminal address authentication information including at least one of IP (Internet Protocol) address information, MAC (Media Access Control) address information, and telephone number information for the client terminal 110 identified through a communication network connected to At least one account address authentication information corresponding to the personal home page (or blog or mail) address of Preferably comprises a client authentication information.

Thereafter, the server checks the plurality of customer account information processed by the GUI banking through the GUI program for each account based on the customer information included in the received GUI program request information (320).

If the plurality of customer account information processing the GUI banking through the GUI program for each account is confirmed (325), the server is to mount the GUI banking for each account in the GUI program for each account in the form of a graphical user interface An interface screen including an information input interface for inputting (or selecting) GUI banking setting information for each account is extracted (or generated) and provided to the terminal (330).

Thereafter, the terminal inputs (and / or selects) account-specific GUI banking setting information for loading the account-specific GUI banking into the GUI program for each account in the form of a graphical user interface through an interface screen including the information input interface. In operation 335, the input (and / or selection) GUI banking setting information for each account is transmitted to the server through the communication network (340).

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

Here, the financial transaction type selection information for loading the GUI banking for each account into the GUI program for each account in the form of a graphical user interface may be included in the inquiry transaction for the GUI banking target customer account, or at least one transaction target account. It is preferable to include at least one transfer transaction, or at least one bill payment transaction for at least one billing institution.

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.

Further, the transaction target information for loading the GUI banking for each account into the GUI program for each account in the form of a graphical user interface may be predetermined from the GUI banking target customer account when the financial transaction type selection information includes the transfer transaction. It is preferable that the amount of money is included in the transaction target account information withdrawn and transferred, and when the financial transaction type selection information includes the utility bill payment transaction, a predetermined bill is withdrawn from the GUI banking target customer account and paid. It is desirable to include billing agency information.

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

Thereafter, the server checks the account attribute information corresponding to each of the identified plurality of customer accounts in association with the financial system (345), and includes the finance included in the confirmed account attribute information and the GUI banking setting information for each account. In operation 350, GUI banking interface information for each account (or GUI banking interface information between accounts) corresponding to the transaction type selection information is generated.

Thereafter, the server extracts (or dynamically generates) a GUI program for each account matching the GUI banking interface information for each account (or GUI banking interface information between accounts) from the program D / B (355).

According to an embodiment of the present invention, the program D / B is characterized in that for storing a GUI program file that can be operated in the operating system (or platform) provided in the customer terminal 110, GUI banking for each account When interface information (or cross-account GUI banking interface information) is generated, the server is matched with the account-specific GUI banking interface information (or cross-account GUI banking interface information) from the program D / B (e.g., the GUI per account). Extract a GUI program file (e.g., a program file) for each predetermined account, including a function of outputting a banking interface (or an inter-account GUI banking interface) to a predetermined area on the desktop of the client terminal 110, and extracting the account. Program setting file corresponding to each GUI program file (e.g., INI for setting the financial transaction function of each GUI program) One, or registry information, and wherein the generating a file, or a data file, and so on), it is preferable to include a GUI interface banking information) between the banking account by GUI interface information (or the account in the application configuration file.

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 110. The GUI banking interface information for each account (or GUI banking interface information between accounts) is generated, and the server generates GUI accounting interface information for each account (or GUI accounting interface information between accounts) from the program D / B. A GUI program source (or GUI program component) that includes a matching (e.g., a function of outputting a GUI banking interface for each account (or an inter-account GUI banking interface) to a predetermined area on the desktop of the client terminal 110). Extract, and compile the extracted GUI program source (or GUI program component) to the customer terminal (1). 10) dynamically generating a GUI program for each account to be provided, wherein the generated GUI program for each account includes a graphical user interface corresponding to the GUI banking interface information for each account (or the GUI banking interface information between accounts). It is preferable to make it.

Thereafter, the server remotely mounts the extracted (or dynamically generated) GUI program for each account to the terminal through the communication network (360).

If the account-specific GUI program is remotely mounted (365), the terminal executes the account-specific GUI program to execute a diagnostic mode for the account-specific GUI program (370), and the terminal correspondingly Generating predetermined validity diagnostic information through the GUI program for each account is generated and transmitted to the server through the communication network (375), and the server receives and reads the received validity diagnostic information for the GUI program for each account. Validate (380)

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

If the validity of the GUI program for each account is not confirmed (385), the server generates the GUI program diagnostic error information for each account and transmits it to the terminal through the communication network (390), and then to the terminal. Providing a GUI program request information interface screen to receive predetermined GUI program request information, and extracting (or dynamically generating) a GUI program for each predetermined account corresponding to the received GUI program request information and remotely mounting it to the terminal; Repeat.

On the other hand, if the validity of the GUI program for each account is confirmed (385), the server is a GUI program information for each account mounted on the terminal and the customer information and customer account information corresponding to the GUI program for each account and each account The GUI banking setting information for each account for mounting the GUI banking in the GUI program for each account in the form of a graphical user interface is processed and stored in a predetermined GUI banking operation D / B 240 (395), and then the GUI banking operation. Account-specific GUI banking setting information for loading the GUI program information, customer information, customer account information and the account-specific GUI banking stored in the D / B 240 in the GUI program for each account in the form of a graphical user interface is shown in the figure In the GUI banking system shown in 6, it is used to provide non-face-to-face financial transactions through the GUI program for each account.

4A and 4B illustrate a process of downloading a GUI program for each account and remotely mounting it to the customer terminal 110 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 4A and 4B show a GUI program for each account for non-face-to-face financial transactions from the program providing server 100 to the customer terminal 110 through the program providing system configuration shown in FIG. As a download and remote mounting process, in detail, the GUI program for each account is provided to the customer terminal 110 and then mounted, and then a plurality of processes are used in the process of using GUI banking for each account through the GUI banking system shown in FIG. The process of processing the GUI banking interface corresponding to each of the two customer accounts is provided as a GUI program for each account.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 4a and 4b to download a predetermined account-specific GUI program for non-face-to-face financial transactions to the customer terminal 110. Various implementation methods for remote mounting may be inferred, but the present invention encompasses all of the inferred implementation methods, and is not limited by the implementation methods shown in FIGS. 4A and 4B.

4A and 4B, the customer terminal 110 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 "

4A and 4B, the terminal accesses the server through a predetermined communication network, requests the server to download and remotely mount a predetermined account-specific GUI program for non-face-to-face financial transactions (400). 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 for each account to the customer terminal 110. Provided 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. The server transmits to the server through 415.

Thereafter, the server checks the plurality of customer account information processed by the GUI banking through the GUI program for each account based on the customer information included in the received GUI program request information (420).

If the plurality of customer account information processing the GUI banking through the GUI program for each account is confirmed (425), the server is to mount the GUI banking for each account in the GUI program for each account in the form of a graphical user interface An interface screen including an information input interface for inputting (or selecting) GUI banking setting information for each account is extracted (or generated) and provided to the terminal (430).

Thereafter, the terminal inputs (and / or selects) account-specific GUI banking setting information for loading the account-specific GUI banking into the GUI program for each account in the form of a graphical user interface through an interface screen including the information input interface. In operation 435, the input (and / or selection) GUI banking setting information for each account is transmitted to the server through the communication network (440).

Here, the financial transaction type selection information for loading the GUI banking for each account into the GUI program for each account in the form of a graphical user interface may be included in the inquiry transaction for the GUI banking target customer account, or at least one transaction target account. It is preferable to include at least one transfer transaction, or at least one bill payment transaction to at least one billing institution.

Thereafter, the server extracts a GUI program for each account matching the GUI program request information from the program D / B (445), and provides the extracted GUI program for each account to the terminal through the communication network for remote mounting. (450).

If the account-specific GUI program is remotely mounted in the terminal (455), the server may include the GUI program information for each account and the customer information and customer account information corresponding to the account-specific GUI program mounted in the terminal. The GUI banking setting information for each account for installing the GUI banking into the GUI program for each account in the form of a graphical user interface is linked and stored in a predetermined GUI banking operation D / B 240 (460), and then the GUI banking operation. Account-specific GUI banking setting information for loading the GUI program information, customer information, customer account information and the account-specific GUI banking stored in the D / B 240 in the GUI program for each account in the form of a graphical user interface is shown in the figure In the GUI banking system shown in 6, it is used to provide non-face-to-face financial transactions through the GUI program for each account.

5 is a diagram illustrating a configuration of GUI-specific program functions recorded on a recording medium of the client terminal 560 in order to provide GUI-specific banking functions by account according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a preferred GUI program for each account recorded in the recording medium of the customer terminal 560 through the program providing system shown in FIG. 2 to provide GUI banking function for each account in the form of a graphical user interface. As a function configuration, those of ordinary skill in the art to which the present invention pertains, the account-specific GUI program for providing a GUI banking function for each account in the form of a graphical user interface by referring to and / or modifying the figure 5 Various implementation methods of the functional configuration may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

The customer terminal 560 on which the GUI program for each account is mounted through the program providing system shown in FIG. 2 corresponds to a recording medium on which a program code corresponding to the GUI program for each account is recorded, and the GUI program for each account. Storage means corresponding to a storage medium for storing various kinds of information and data, and an output device (for example, a liquid crystal display (LCD), etc.) provided in the customer terminal 560; Outputs a desktop corresponding to the operating system (or platform), and outputs a GUI banking interface screen for providing a GUI banking function for each account corresponding to the GUI program for each account in a graphic user interface in a predetermined area on the desktop; A screen output means 555 and an input device (for example, a keyboard, a keypad, or a keyboard) provided in the customer terminal 560. In conjunction with a mobile phone (Mouse)) to provide the key data corresponding to the operating system (or platform) provided in the customer terminal 560 and the GUI banking function for each account corresponding to the GUI program for each account in the form of a graphical user interface. Key input means for inputting key data for and a communication means for connecting and connecting the customer terminal 560 to a communication network comprising at least one wired communication network (or wireless communication network), characterized in that the present invention Those skilled in the art, the storage means, the screen output means 555, the key input means and the communication means provided in the customer terminal 560 corresponding to various wired terminals (or wireless terminals) Since the technical features will be clearly understood, the detailed description thereof will be omitted for convenience.

The GUI program for each account stored in the storage means provided in the customer terminal 560 through the program providing system shown in FIG. 2 is connected to an operating system (or platform) provided in the customer terminal 560. Provides a GUI program code for each account corresponding to the GUI banking function for each account, the GUI banking function for each account, the GUI banking target customer account information, and the GUI banking function for each account in a graphical user interface form. Transaction type information matching the financial transaction type selection information included in the GUI banking setting information registered through the program providing system shown in FIG. 2 and the transaction target 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 It is characterized by comprising the account-specific GUI banking information including at least one banking element information for processing the non-face-to-face financial transactions corresponding to the transaction type information through the GUI program code for each account.

Here, the banking element information included in the GUI-specific banking function for each account may include GUI banking interface information (or GUI banking interface information between accounts) output through the GUI program code for each account, and GUI banking interface information for each account. I / O control information for controlling the method and order of inputting (or selecting) various financial transaction information through the GUI banking interface information between accounts, and the GUI banking interface information for each account (or GUI banking interface information between accounts). The encryption / decryption control information for controlling various encryption keys / decryption keys and encryption / decryption methods and encryption / decryption procedures for encrypting / decrypting various financial transaction information inputted through the network, and the financial transaction information through a communication network. At least transaction control information that controls the way and order of transactions And preferably it comprises at least.

According to the present invention, the GUI program code for each account stored in the storage means is executed based on the operating system (or platform) provided in the customer terminal 560, thereby configuring the function of the GUI program for each account shown in FIG. It is characterized in that it is implemented.

In other words, the account-specific GUI program code stored in the storage means comprises a program code corresponding to the functional configuration of the account-specific GUI program shown in FIG.

Referring to FIG. 5, the GUI program for each account is provided with the GUI program for each account 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 at least one GUI banking function for each account that provides GUI banking function for each account in the form of a graphical user interface, and configure at least one function for configuring the GUI program for each account to provide the GUI banking function for each account in the form of a graphical user interface. Interoperate with each other, and / or the functional components interoperate with at least one or more components (or means) provided in the customer terminal 560 through an operating system (or platform) provided in the customer terminal 560. Main to perform the GUI banking function for each account that provides the GUI banking function for each account in the form of a graphical user interface. It is characterized by comprising a frame portion 550 (Mainfrmae).

The mainframe unit 550 is characterized in that the account-specific GUI program comprises a program execution code for executing on the operating system (or platform) provided in the customer terminal 560, whereby the customer terminal ( After the 560 is provided, the account-specific GUI program is executed and operated 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 controls to interoperate at least one or more functional components provided in the GUI program for each account for the GUI banking function for each account providing the GUI banking function for each account in the form of a graphical user interface. By this, at least one or more functional components constituting the GUI program for each account for the GUI banking function for each account providing the GUI banking function for each account in the form of a graphical user interface, the mainframe unit 550 By assigning an instance, the functional components are cross-referenced and / or interworked.

In addition, the mainframe unit 550 includes at least one component provided in the customer terminal 560 in the functional unit for the GUI banking function for each account to provide the GUI banking function for each account in the form of a graphical user interface. And a handle (or interrupt) for accessing (for example, key input or screen output means 555), whereby each function constituting the GUI program for each account is obtained. Components are characterized in that to access each component provided in the customer terminal 560 to perform a unique function defined in each functional component.

In addition, the mainframe unit 550 includes at least one component provided in the customer terminal 560 in the functional unit for the GUI banking function for each account to provide the GUI banking function for each account in the form of a graphical user interface. (E.g., key input means, screen output means 555, etc.) to obtain an interrupt, or to access the input and output bus corresponding to the peripheral device provided in the customer terminal 560 In this way, each of the functional components constituting the GUI program for each account is characterized by performing a unique function defined in each functional component by accessing each component provided in the customer terminal 560 do.

Those skilled in the art to which the present invention pertains, by linking with each operating system (or platform) corresponding to the customer terminal 560 for each account to provide the GUI banking function for each account in the form of a graphical user interface. Since the technical features of the mainframe unit 550 performing the above-described functions for the GUI banking function will be understood, a more detailed technical description thereof will be omitted for convenience.

According to the present invention, the GUI program for each account, the GUI banking function for each account that provides the GUI banking function for each account in the form of a graphical user interface, the GUI banking server 105 on the communication network in connection with the communication means to the An information transmitter 515 for transmitting financial transaction request information including financial transaction information corresponding to the GUI banking function for each account, which provides GUI banking function for each account in the form of a graphical user interface; And an information receiver 505 for receiving financial transaction result information corresponding to the transaction request information.

Herein, the financial transaction information includes GUI banking interface information (or GUI banking interface information between accounts) included in the banking element information for a GUI banking function for each account that provides GUI banking function for each account in the form of a graphical user interface. Information extracted from the storage means based on input / output control information or inputted (or extracted) for a financial transaction such as customer account information, transaction target information, transaction amount information, and transaction authentication information input through the key input means; It is preferable to include at least one.

For example, when the financial transaction provided through the GUI program for each account is an inquiry transaction, the financial transaction information preferably includes at least one of customer account information, transaction authentication information, and inquiry period information corresponding to the customer account. If the financial transaction is a transfer transaction, the financial transaction information may include transfer amount (or transaction amount) information, customer account information corresponding to a customer account from which the transfer amount (or transaction amount) is withdrawn, and the transfer amount (or transaction). Amount) is preferably made of at least one transaction information and transaction authentication information that is deposited by transfer.

Further, the financial transaction request information is a communication protocol capable of transmitting the financial transaction information to the GUI banking server 105 on a communication network in connection with the communication means based on the transaction control information included in the banking element information. Or a communication protocol structure that can be transmitted to the input (or extracted) financial transaction information (or GUI banking server 105 on a communication network) based on the encryption / decryption control information included in the banking element information. The financial transaction information) is preferably included.

The financial transaction result information may be processed by the GUI banking server 105 on the communication network that receives the financial transaction request information, after processing the financial transaction corresponding to the financial transaction information included in the financial transaction request information. At least one or more information that is processed as a protocol structure that can receive the financial transaction details corresponding to the result through the communication means provided in the customer terminal 560, or encrypted to be decrypted by the customer terminal 560 It is preferable to comprise.

According to an embodiment of the present invention, when the GUI program for each account is mounted in the customer terminal 560 through the process shown in FIG. 3 in the program providing system shown in FIG. In order to provide the GUI banking function for each account in the form of a graphical user interface, the client account information, transaction type information, transaction target information, limit amount information, and banking element information included in the GUI banking information for each account are linked to the storage means. The transaction based on the at least one information checking unit 540 for confirming at least one, and the GUI banking interface information (or GUI banking interface information between accounts) per account included in the banking element information in association with the screen output means 555. An interface that outputs a GUI banking interface for inputting various transaction information corresponding to the type information to a predetermined area on the desktop. Inputs (or selects) various transaction information corresponding to the transaction type information through the GUI banking interface based on the input / output control unit 500 and the input / output control information included in the banking element information in association with the key input unit; It is characterized by comprising an information input unit 520 to.

In order to provide the GUI banking function for each account in the form of a graphic user interface, the information checking unit 540 is connected to the storage means and the customer account information included in the GUI banking information for each account and the GUI using the customer account. Check transaction type information corresponding to banking, transaction target information linked to the transaction type information, limit amount information for each financial transaction corresponding to the transaction type, and GUI banking interface information for each account corresponding to the transaction type information. (Or GUI accounting interface information between accounts) and at least one banking element information including at least one input and output control information, encryption / decryption control information and transaction control information.

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 linked to the screen output unit 555, the identified transaction type is based on the GUI banking interface information (or GUI banking interface information between accounts) included in the banking element information. Characterized in that the GUI banking interface including a user interface for selecting any one transaction type of information to a predetermined area on the background screen of the customer terminal (560).

When a transaction type to be traded through the GUI program for each account is selected from the GUI banking function for each account through the GUI banking interface outputted in a predetermined area on the background screen of the customer terminal 560, the interface output unit 500 ) Outputs the customer account information based on the GUI banking interface information (or the GUI banking interface information between accounts) included in the banking element information in association with the screen output means 555 (or a plurality of customer accounts). If the user interface information for selecting any one of the plurality of customer accounts, or if the customer account information is not confirmed through the information checking unit 540, the user interface for inputting the customer account information of the customer And the transaction target information and the limit value information corresponding to the transaction type. The GUI banking interface including a user interface for entering the species transaction information characterized in that the output to the predetermined area on the desktop of the client terminal 560.

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 for a specific customer account, the interface output unit 500 outputs the inquiry account target customer account information (or the plurality of customer accounts, the plurality of account accounts). Outputs a user interface for selecting any one of the customer accounts, or if the customer account information is not confirmed through the information checking unit 540, a user interface for inputting the customer account information of the customer may be output) And a user interface for inputting (or selecting) inquiry period information for the customer account, and setting a GUI banking interface for each account for inputting transaction authentication information for the inquiry transaction on the desktop of the client terminal 560. And outputting to the area.

Alternatively, when the transaction type corresponding to the transaction type information is an integrated inquiry transaction for a plurality of customer accounts, the interface output unit 500 includes a plurality of customer account information and includes an integrated inquiry for the plurality of customer accounts. And a user interface for inputting (or selecting) period information, and outputting a GUI banking interface for each account for inputting transaction authentication information for the integrated 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). Outputs a user interface for selecting one, or outputs 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 target information And a user interface for inputting (or selecting) transfer target account information matching with the transfer amount information and matching transfer amount information with the limit amount information, and providing a GUI banking interface for each account 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 pertains, other types of transactions other than the inquiry transaction and the transfer transaction (for example, card payment is scheduled) based on a GUI banking interface output method for each account corresponding to the inquiry transaction and the transfer transaction. It is possible to infer various implementation methods for outputting a GUI banking interface for each account corresponding to an amount inquiry, loan interest / monthly payment deposit transaction, tuition payment, online payment, etc.) to a predetermined area on the desktop of the client terminal 560. Therefore, detailed description thereof will be omitted for convenience.

The GUI banking interface for inputting various transaction information corresponding to the transaction type information based on the GUI banking interface information for each account (or GUI banking interface information between accounts) included in the banking element information by the interface output unit 500. Is output, the information input unit 520 is connected with the key input means based on the input and output control information included in the banking element information various transaction information matching the transaction target information and the limit value information corresponding to the transaction type Characterized in that it is input (or selected) a variety of transaction information corresponding to the transaction type information through a GUI banking interface including a user interface for inputting.

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

Alternatively, when the transaction type corresponding to the transaction type information is an integrated inquiry transaction for a plurality of customer accounts, the information input unit 520 may input a user interface for inputting (or selecting) inquiry period information for the integrated inquiry transaction. Through inputting (or selecting) the integrated inquiry period information for the customer account and the transaction authentication information for the integrated inquiry transaction through.

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 for each account, the user interface for inputting (or selecting) the transfer target account information outputs the transfer target account information. It may be replaced by a form.

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.

According to another exemplary embodiment of the present invention, in the program providing system illustrated in FIG. 2, when the GUI program for each account is mounted in the customer terminal 560 through the process illustrated in FIG. In order to provide the GUI banking function for each account in the form of a graphical user interface, the user account information, transaction type information, transaction target information, limit value information, and banking element from the GUI banking server 105 on the communication network in connection with the communication means. Account-specific GUI banking interface information (or GUI between accounts) included in the banking element information in association with the screen output means 555 and the information receiving unit 505 for receiving GUI banking information for each account including at least one information. GUI banking interface for inputting various transaction information corresponding to the transaction type information based on banking interface information). The interface output unit 500 outputs a predetermined area on a background screen, and the various types corresponding to the transaction type information through the GUI banking interface based on the input / output control information included in the banking element information in connection with the key input means. And an information input unit 520 for inputting (or selecting) transaction information.

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

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 is connected with the screen output unit 555 to identify the transaction type information based on the GUI banking interface information (or GUI banking interface information between accounts) included in the banking element information. A GUI banking interface including a user interface for selecting any one of the transaction types may be output to a predetermined area on the background screen of the customer terminal 560.

When a transaction type to be traded through the GUI program for each account is selected from the GUI banking function for each account through the GUI banking interface outputted in a predetermined area on the background screen of the customer terminal 560, the interface output unit 500 ) Outputs the customer account information based on the GUI banking interface information (or the GUI banking interface information between accounts) included in the banking element information in association with the screen output means 555 (or a plurality of customer accounts). If the user account information for selecting any one of the plurality of customer accounts, or if the customer account information is not received through the information receiving unit 505, outputs the user interface for inputting the customer account information of the customer Available) and match the transaction target information and the limit value information corresponding to the transaction type. The GUI banking interface including a user interface for entering the species transaction information characterized in that the output to the predetermined area on the desktop of the client terminal 560.

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction for a specific customer account, the interface output unit 500 outputs the inquiry account target customer account information (or the plurality of customer accounts, the plurality of account accounts). Outputting a user interface for selecting any one of the customer accounts, 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 customer 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. Characterized in that.

Alternatively, when the transaction type corresponding to the transaction type information is an integrated inquiry transaction for a plurality of customer accounts, the interface output unit 500 outputs the plurality of customer account information and the inquiry period information for the customer account. It includes a user interface for inputting (or selecting), and outputs a GUI banking interface for inputting the transaction authentication information for the integrated inquiry transaction 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 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). Outputs a user interface for selecting one, or outputs 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. The user terminal includes a user interface for inputting (or selecting) matching target transfer account information and transfer amount information matching the limit amount information, and inputting transaction authentication information for the transfer transaction. And outputs to a predetermined area on the background screen of 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.

According to the present invention, the account-specific GUI program, the validity check unit 530 for checking the validity of the various transaction information input (or selected) corresponding to the transaction type information, the customer account information and the transaction type And an information generation unit 545 for generating financial transaction information including various transaction information corresponding to the information, wherein the financial transaction information is based on the transaction control information included in the banking element information. The information processing unit 535 processing the communication protocol structure that can be transmitted to the GUI banking server 105 on the network, and the financial transaction information (or the GUI banking server 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 to 105. Characterized in that W is made.

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 a inquiry transaction for a specific customer account, the validity checker 530 inquires that the inquiry period information input (or selected) through the information input unit 520 is valid. It is characterized by checking whether the period is included.

Alternatively, when the transaction type corresponding to the transaction type information is a inquiry transaction for a plurality of customer accounts, the validity confirming unit 530 may include integrated inquiry period information input (or selected) through the information input unit 520. It is characterized by checking whether a valid inquiry period is included.

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 payment transactions, registration payments, online payments, etc.) can be inferred, and thus detailed descriptions 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 to the GUI banking server 105 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 to the GUI banking server 105 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 communication header information). Transaction request information, or financial transaction information processed in a communication protocol structure that can be transmitted to the GUI banking server 105 on a communication network) may be encrypted. Thus, 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 transmitting unit 515 transmits the generated financial transaction request information to the GUI banking server 105 on the communication network in association with the communication means, and the information receiving unit 505 on the communication network. And receiving financial transaction result information including financial transaction details corresponding to the financial transaction information included in the financial transaction request information from the GUI banking server 105.

According to the present invention, the GUI program for each account, in order to provide the GUI banking function for each account in the form of a graphical user interface, when the financial transaction result information is received through the information receiving unit 505, the screen output means ( 555) and outputs the financial transaction details included in the financial transaction result information in a predetermined area on the desktop based on the GUI banking interface information (or GUI banking interface information between accounts) included in the banking element information. And an information output unit 510. When the financial transaction details are encrypted, an encryption processing unit which decrypts the financial transaction details based on encryption / decryption control information included in the banking element information ( 525).

When the financial transaction result information including the encrypted financial transaction details is received through the information receiving unit 505, the cryptographic processing unit 525 performs the financial transaction based on the encryption / decryption control information included in the banking element information. Characterized in that the decoding process, the information output unit 510 is linked to the screen output means 555 account for each account GUI banking interface included in the banking element information (or GUI banking interface information between accounts) Based on the financial transaction results included in the financial transaction result information, characterized in that for outputting in a predetermined region on the desktop.

According to the exemplary embodiment of the present invention, when the financial transaction details include a plurality of inquiry transaction details corresponding to the integrated inquiry transaction, the information output unit 510 displays the received plurality of inquiry transaction details at a transaction date and time ( Or a user account or a transaction amount) to calculate an integrated inquiry transaction history, and integrating the calculated integrated inquiry transaction history with the screen output means 555 for each bank GUI element information included in the banking element information. Is preferably output to a predetermined area on the desktop.

In more detail, FIG. 6 illustrates a request for a GUI program for each account from the GUI banking server 105 when using GUI banking in a GUI program for each account provided in the client terminal 110 through the program providing system shown in FIG. Regarding the configuration of a GUI banking system for processing a financial transaction corresponding to at least one account-specific GUI banking to those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present invention Various implementation methods for the GUI banking system configuration may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 6, the GUI banking system includes a user terminal 110 having a GUI program for each account shown in FIG. 5 and a user terminal 110 through the program providing system shown in FIG. 2. When using GUI banking in the provided account GUI program, it is authenticated collectively (or by financial transaction type, or by financial transaction stage), and the GUI banking function for each account is performed in connection with the GUI program for each account according to the result of the customer validation. GUI banking server 105 for processing to provide in the form of a graphical user interface and at least one customer account corresponding to the non-face-to-face financial transactions through the GUI program for each account is characterized in that it comprises a financial system opened.

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 110 is connected to the GUI banking server 105 based on the TCP / IP (Transmission Control Protocol / Internet Protocol) based wired communication function and the wired communication function, various transfers, bill payments, savings, And a wired terminal including at least one of a desktop computer and / or a notebook having a GUI program for each account for managing various types of customer financial transactions such as deposit subscription. When the account-specific GUI program provided in the wired terminal is at least one with the GUI banking server 105 through a predetermined communication network (for example, TCP / IP-based wired communication network) using the communication function provided in the wired terminal. It is characterized in that for connecting the communication channel for the financial transaction.

In addition, the customer terminal 110 is connected to the GUI banking server 105 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 with account-specific GUI programs that manage various types of customer financial transactions, such as And a wireless terminal including at least one of a cellular (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 account-specific GUI program provided in the wireless terminal is a predetermined communication network (for example, using a communication function provided in the wireless terminal). , Characterized in that over the CDMA-based mobile communication network) connecting a communication channel for at least one or more financial transaction with the banking server GUI 105.

In addition, the client terminal 110 is connected to the GUI banking server 105 based on the IEEE 802.16x-based wireless communication function and the wireless communication function, and various forms such as various transfers, bill payment, deposit payment, deposit subscription, etc. And a wireless terminal including at least one portable internet terminal having a GUI program for each account for managing a customer financial transaction of the account, wherein the GUI program for each account provided in the wireless terminal is the wireless terminal. It is characterized by connecting a communication channel for at least one financial transaction with the GUI banking server 105 through a predetermined communication network (eg, IEEE 802.16x-based portable Internet network) using a communication function provided in the terminal. .

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 the financial system and homes, businesses, stores and card companies. External system providing various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), other line exchange, call center, financial settlement, etc. by connecting to external computer network, and the financial system Interface modules that correspond to the middleware platform that provides inter-component interfacing, DBMS including 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 in an existing financial system. (DataBase Management System), and according to the intention of the person skilled in the art 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 (city O), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may Since the technical details of the 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 105 is interlocked with the financial system through the external system, and for this purpose, the GUI banking server 105 is interlocked with the GUI banking server 105 through a predetermined financial network. It is preferred to include a component for.

The GUI banking server 105 provides the GUI program information for each account required to provide a predetermined GUI banking function for each account in the form of a graphical user interface, the customer information and the customer account information corresponding to the GUI program for each account, and the account. A DBMS including a GUI banking operation D / B 630 for storing and processing GUI banking setting information for mounting the GUI banking function for each account into a GUI program for each account in the form of a graphical user interface, or according to an implementation method. It is characterized in that the interworking with the data server provided with the DBMS.

Referring to FIG. 6, the GUI banking server 105 connects and communicates a communication channel for providing the GUI banking function for each account in the form of a graphical user interface through a GUI program for each account provided in the client terminal 110. It is characterized by comprising an interface unit 600 to manage.

Referring to FIG. 6, the GUI banking server 105 receives customer authentication information input through an account-specific GUI program included in the customer terminal 110 through a communication network in connection with the interface unit 600. And comparing the received customer authentication information with the customer authentication information stored in the GUI banking operation D / B 630, for confidentiality, authentication, integrity, and nonrepudiation of the customer. ) Is characterized in that it is provided with a customer authentication unit 605 to confirm and authentication processing.

Referring to FIG. 6, when the GUI program information for each account is not provided in the GUI program for each account provided in the customer terminal 110, the GUI program for each account is executed in the customer terminal 110 to execute a GUI banking server. When the first customer authentication is processed by accessing 105, the GUI banking server 105 confirms the GUI banking setting information in which the first customer authentication has been processed in connection with the GUI banking operation D / B 630, and the GUI. Based on the banking setting information, generating (or confirming) GUI banking information for each account including at least one or more GUI banking target customer account information, transaction type information, transaction target information, limit amount information, and banking element information; In connection with the 600, characterized in that it comprises an information transmitter 610 for transmitting the GUI banking information for each account to the customer terminal (110).

Referring to FIG. 6, the GUI banking server 105 is a financial transaction input (or selected) through a GUI program for each account provided in the customer terminal 110 through a communication network in connection with the interface unit 600. Receive financial transaction request information including the information, confirm the customer account information included in the financial transaction information, the transaction authentication information corresponding to the customer account and GUI banking stored in the GUI banking operation D / B (630) Comparing the transaction authentication information of the setting information, characterized in that it comprises a banking authentication unit 615 for authenticating the GUI banking corresponding to the financial transaction information.

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 105 processes the 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 105 generates ledger processing information corresponding to the financial transaction processing result, and is linked with the financial system. And a ledger processing unit 625 for processing the processing information to be stored in the account ledger (or the transaction history additional ledger) corresponding to the customer account information (or GUI banking target customer account information) included in the financial transaction information. It is done.

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 110, and correspondingly, the customer terminal 110 outputs the financial transaction details included in the financial transaction result information to a predetermined area on the background screen. .

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

In more detail, in FIG. 7, when the GUI program for each account is mounted in the customer terminal 110 through the process shown in FIG. 3 in the program providing system illustrated in FIG. In order to provide a GUI banking function for each account corresponding to the account in the form of a graphical user interface, in connection with the storage means, the customer account information, transaction type information, transaction target information, limit value information and banking information included in the GUI banking information for each account are linked. After checking at least one element information, by linking with the screen output means provided in the customer terminal 110 for each account to select the GUI banking transaction type based on the GUI banking interface information for each account included in the banking element information The process of outputting the GUI banking interface to a predetermined area on the desktop, the present invention Those skilled in the art may refer to and / or modify the drawing 7 and various implementations of outputting a GUI banking interface for each account for selecting a transaction type for the GUI banking in a predetermined area on the desktop. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 7, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI shown in FIG. 6. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 7, the terminal satisfies the configuration of the GUI program function for each account shown in FIG. 5, and executes a GUI program for each account corresponding to a specific customer account to execute a customer authentication interface in a predetermined area on the terminal desktop. Output (700). Check whether the customer authentication information is input through the customer authentication interface (705).

According to an embodiment of the present invention, when the GUI program for each account includes a plurality of account-specific GUI banking interfaces corresponding to a plurality of customer accounts, the process of executing the GUI program for each account corresponding to a specific customer account may be performed. After executing the GUI program provided in the terminal, it is preferable to include a step of selecting a target bank account of the GUI banking among the plurality of customer accounts.

According to another exemplary embodiment of the present invention, when the GUI program for each account includes a plurality of individual GUI programs corresponding to a plurality of customer accounts, the process of executing the GUI program for each account corresponding to a specific customer account may be performed. It is preferable to include a process of executing a GUI program for each account corresponding to the specific GUI banking target customer account.

If customer authentication information is input through the customer authentication interface (710), the terminal transmits the customer authentication information to the server through a communication network using the GUI program for each account (715), and correspondingly the server In step 720, the validity of the customer authentication information is confirmed in association with the GUI service operation D / B.

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 check the GUI banking information for each account including at least one transaction type information, transaction target information, limit amount information, and banking element information (740), and GUI banking for each account in connection with the screen output means provided in the terminal. Based on the GUI banking interface information for each account included in the banking element information of the information, the GUI banking interface for each account including a user interface for selecting any one of the transaction types of the identified transaction type information of the client terminal 110 The image is output to a predetermined area on the desktop (745).

In more detail, in FIG. 8, when the GUI program for each account is mounted in the customer terminal 110 through the process shown in FIG. 4 in the program providing system illustrated in FIG. 2, a specific customer is included in the GUI program for each account. In order to provide a GUI banking function for each account corresponding to the account in the form of a graphical user interface, at least one of customer account information, transaction type information, transaction target information, limit amount information, and banking element information from a communication network in connection with the communication means. After receiving the GUI banking information for each account including, select the GUI banking transaction type based on the GUI banking interface information for each account included in the banking element information in connection with the screen output means provided in the customer terminal 110. It shows the process of outputting the GUI banking interface for each account to a certain area on the desktop. For those of ordinary skill in the art to which the present invention pertains, the GUI banking interface for each account for selecting a transaction type for the GUI banking by referring to and / or modifying the drawing 8 is outputted in a predetermined area on the desktop. Various implementation methods for the process may be inferred, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 8, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI shown in FIG. 6. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 8, the terminal satisfies the GUI program function configuration for each account illustrated in FIG. 5, and executes a GUI program for each account corresponding to a specific customer account, thereby providing a customer authentication interface in a predetermined area on the terminal desktop. Output (800). It is checked whether customer authentication information (eg, the ID / PW information of the customer) is input through the customer authentication interface (805).

According to another exemplary embodiment of the present invention, when the GUI program for each account includes a plurality of individual GUI programs corresponding to a plurality of customer accounts, executing the GUI program for each account corresponding to a specific customer account. Preferably, the process includes executing a GUI program for each account corresponding to the specific GUI banking target customer account.

If customer authentication information is input through the customer authentication interface (810), the terminal transmits the customer authentication information to the server through a communication network using the GUI program for each account (815), and correspondingly the server In connection with the GUI banking operation D / B (630) to check the validity of the customer authentication information (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 is linked to the GUI banking operation D / B 630, the customer account information and the GUI banking for each account associated with the customer information confirmed the customer authentication The setting information is checked (835).

Thereafter, the server checks the account attribute information corresponding to the confirmed customer account in association with the financial system (840), and selects a financial transaction type included in the identified account attribute information and the GUI banking setting information for each account. The GUI banking interface information for each account corresponding to the information is generated (845).

According to an exemplary embodiment of the present invention, the server checks a plurality of customer account information and GUI banking setting information for each account associated with the confirmed customer information, and corresponds to each of the identified plurality of customer accounts. Checking account attribute information and generating account attribute information corresponding to the identified plurality of customer accounts and generating GUI banking interface information for each account corresponding to the financial transaction type selection information included in the GUI banking setting information for each account. desirable.

According to another exemplary embodiment of the present invention, when the GUI banking target customer account information is received from the server, the server checks the GUI banking setting information for each account associated with the customer information confirmed by the customer authentication, and confirms The account attribute information corresponding to the confirmed customer account, and the account attribute information corresponding to the confirmed customer account and the GUI banking interface information for each account corresponding to the financial transaction type selection information included in the GUI banking setting information for each account. It is desirable to produce.

Thereafter, the server may include at least one banking element information including the generated GUI banking interface information for each account, the at least one user account information, transaction type information, transaction target information, limit amount information, and the like. Generating information (850), and transmitting the GUI banking information for each account to the terminal through a communication network (855), and correspondingly, the terminal is linked with the screen output means and the banking element of the GUI banking information for each account; The schedule on the desktop of the customer terminal 110 includes a GUI banking interface for each account including a user interface for selecting any one of the identified transaction type information based on the GUI banking interface information for each account included in the information. Output to the area (860).

9 illustrates a process of outputting a GUI banking interface for each account 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. One drawing.

In more detail, FIG. 9 illustrates a GUI banking interface for each account for selecting a transaction type for GUI banking in a predetermined region on the terminal desktop through the GUI banking interface output process for each account shown in FIG. 7 or FIG. 8. Thereafter, the terminal outputs a GUI banking interface for each account for inputting (or selecting) various transaction information corresponding to the transaction type selected through the GUI banking interface for each account to a predetermined area on a background screen, and displays the customer account information. The present invention relates to a process of processing financial transactions corresponding to the GUI banking by generating financial transaction information including transaction information input (or selected) through the GUI banking interface for each account. Those skilled in the art may refer to and / or modify this drawing to select transaction information for the GUI banking. It is possible to infer various implementation methods for the process of outputting the GUI banking interface for each selected account to a predetermined area on the desktop and processing the GUI banking corresponding to the input transaction information, but the present invention is inferred It includes all implementation methods and is not limited by the implementation method shown in FIG.

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

Hereinafter, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 in FIG. 9 and the GUI shown in FIG. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 9, after the GUI banking interface for each account shown in FIG. 7 or FIG. 8 is output, the GUI banking interface for each account is selected to select a transaction type for GUI banking in a predetermined region on the terminal desktop. The terminal checks whether a transaction type to be processed through the GUI program for each account is selected among the GUI banking functions for each account through the GUI banking interface for each account (900).

If a transaction type to be processed through the GUI program for each account is selected among the GUI banking functions for each account through the GUI banking interface for each account (905), the terminal is linked with the screen output means and the GUI banking information for each account. Output the customer account information based on the GUI banking interface information for each account included in the banking element information of (or, if there are a plurality of customer accounts, output a user interface for selecting any one of the plurality of customer accounts, or the And if a user account information is not confirmed (or received), a user interface for inputting the customer account information of the customer may be outputted), and various transactions matching the transaction target information and the limit value information corresponding to the transaction type; Account for the customer-specific GUI banking interface including a user interface for entering information And outputs to the event area on the desktop of the end 110, 910.

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction for a specific customer account, the terminal 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 if the customer account information is not confirmed (or received); and information on the inquiry period for the customer account It includes a user interface for inputting (or selecting), it is preferable to output a GUI banking interface for each account for inputting the transaction authentication information for the inquiry transaction to a predetermined area on the background screen of the customer terminal (110).

Alternatively, when the transaction type corresponding to the transaction type information is an integrated inquiry transaction for a plurality of customer accounts, the interface output unit includes a plurality of customer account information and inputs integrated inquiry period information for the plurality of customer accounts. And (or select) a user interface, and outputs a GUI banking interface for each account for inputting transaction authentication information for the integrated inquiry transaction to a predetermined area on the background screen of the customer terminal 110.

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). Outputting an interface or, if the customer account information is not confirmed (or received), a user interface for inputting the customer account information of the customer may be outputted), and transfer target account information matching the transaction target information and the A user interface for inputting (or selecting) transfer amount information matching the limit amount information, and setting a GUI banking interface for each account for inputting transaction authentication information for the transfer transaction on the desktop of the client terminal 110. It is preferable to output to the area.

In the technical field to which the present invention pertains, other types of transactions other than the inquiry transaction and the transfer transaction (for example, card payment is scheduled) based on a GUI banking interface output method for each account corresponding to the inquiry transaction and the transfer transaction. It is possible to infer various implementation methods for outputting a GUI banking interface for each account corresponding to an amount inquiry, loan interest / monthly payment transaction, tuition payment, online payment, etc.) in a predetermined area on the desktop of the client terminal 110. Therefore, detailed description thereof 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 for each account (915).

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

Alternatively, when the transaction type corresponding to the transaction type information is an integrated inquiry transaction for a plurality of customer accounts, the terminal inputs (or selects) inquiry period information for the integrated inquiry transaction, through the user interface. And inputting (or selecting) the integrated inquiry period information for and the transaction authentication information for the integrated inquiry 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 for each account, the user interface for inputting (or selecting) the target account information may be replaced with a form of outputting the target account information. Do.

If a variety of transaction information corresponding to the selected transaction type is input (or selected) through the GUI banking interface for each account (920), the terminal receives the various transaction information input (or selected) corresponding to the transaction type information. Check the validity (925).

For example, when the transaction type corresponding to the transaction type information is an inquiry transaction for a specific customer account, the terminal may determine 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 an integrated inquiry transaction for a plurality of customer accounts, the terminal checks whether the input (or selected) integrated inquiry period information includes a valid inquiry period. do.

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.

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 validity checking method corresponding to the inquiry transaction and the transfer transaction (for example, inquiry of the settlement amount of the card payment, Various implementation methods for the validation method corresponding to the loan interest / monthly deposit payment transaction, tuition payment, online payment settlement, etc. may be inferred, and thus the detailed description thereof will be omitted for convenience.

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 Repeat the process of outputting the GUI banking interface for each account to a predetermined area on the desktop.

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 input (or selected) of the various transaction information is confirmed (930), the terminal financial transaction information including the customer account information, the various transaction information corresponding to the selected transaction type and the customer authentication information Generate 940.

Thereafter, the terminal generates financial transaction request information through transaction processing and / or encryption processing for the financial transaction information (945).

According to an embodiment of the present invention, it is preferable that the terminal processes the financial transaction information as a communication protocol structure capable of transmitting the financial transaction information to a server on a communication network based on transaction control information included in the banking element information of the GUI banking information for each account. Do.

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 for each account.

Thereafter, the terminal transmits the generated financial transaction request information to a server through a communication network using the GUI program for each account (950).

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 105 on the GUI banking system shown in FIG. 6 through a communication network, the GUI banking server 105 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 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2, and the GUI shown in FIG. The GUI banking server 105 on the banking system is referred to as " 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 105 on the GUI banking system shown in FIG. 6 through a communication network, the server receives the financial transaction request information through a communication network ( 1000, the financial transaction information included in the received financial transaction request information is checked (1005).

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 GUI banking validity of the transaction authentication information included in the financial transaction information in connection with the GUI banking operation D / B 630 (1010). ).

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 for each account stored in the GUI banking operation D / B 630 to authenticate the GUI banking corresponding to the financial transaction information. desirable.

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 included in the GUI banking setting information for each account stored in the GUI banking operation D / B (630) (or generated based on the GUI banking setting information for each account) 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 server includes the transaction amount included in the GUI banking setting information for each account 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 is exceeded.

If the GUI banking validity of the financial transaction information is not confirmed (1015), 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 (1050), and the generated financial transaction result information is transmitted to the terminal through a communication network (1055).

On the other hand, if the GUI banking validity of the financial transaction information is confirmed (1015), the server processes the financial transaction corresponding to the confirmed financial transaction information (1025).

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 (1030), the server generates the ledger processing information corresponding to the financial transaction processing result (1035), and in connection with the financial system to generate the ledger processing information Stored in the ledger on the financial system (1040).

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 the ledger It is preferable to process the ledger processing information 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 financial system for managing the transaction.

Thereafter, the server generates a financial transaction history corresponding to the financial transaction processing result (1045), generates financial transaction result information through transaction processing and / or encryption processing on the financial transaction history (1050), and communication network The generated financial transaction result information is transmitted to the terminal through 1055. In response, the terminal schedules a financial transaction history included in the financial transaction result information based on the GUI banking information for each account and displays a schedule on the desktop. Output to the area (1060).

According to the exemplary embodiment of the present invention, when the financial transaction details include a plurality of inquiry transaction details corresponding to the integrated inquiry transaction, the terminal displays the received plurality of inquiry transaction details at a transaction date and time (or a customer account, or Calculate the integrated inquiry transaction by sorting by transaction amount), and output the GUI banking interface information for each account included in the banking element information in a predetermined area on the desktop by linking the calculated integrated inquiry transaction details with the screen output means. It is desirable to.

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

In more detail, in FIG. 11, when the GUI program for each account is mounted in the customer terminal 110 through the process shown in FIG. 3 in the program providing system illustrated in FIG. In order to provide a GUI banking function between the client account and the second client account in the form of a graphical user interface, the client account information, the transaction type information, the transaction target information, and the limit value information included in the GUI banking information for each account in connection with the storage means And confirming at least one banking element information, and corresponding to the financial transaction between the customer accounts based on the GUI banking interface information between the accounts included in the banking element information in connection with the screen output means provided in the customer terminal 110. It also shows the process of printing GUI banking interface between accounts to select GUI banking transaction type. As one of ordinary skill in the art to which the present invention pertains, a GUI banking interface between accounts for selecting a GUI banking transaction type corresponding to the financial transaction between customer accounts by referring to and / or modifying the drawing 11 is provided. Various implementation methods for the process of outputting to a predetermined area on the desktop may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 11, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and is illustrated in FIG. 6. GUI banking server 105 on a GUI banking system is referred to as " server " for convenience.

Referring to FIG. 11, the terminal satisfies the GUI program function configuration for each account shown in FIG. 5, and provides a GUI banking function between the first customer account and the second customer account in the form of a graphical user interface. Run to output the customer authentication interface in a predetermined area on the terminal desktop (1100). Check whether the customer authentication information is input through the customer authentication interface (1105).

If the customer authentication information is input through the customer authentication interface (1110), the terminal transmits the customer authentication information to the server through the communication network using the GUI program for each account (1115), and correspondingly the server Check the validity of the customer authentication information in connection with the GUI service operation D / B (1120).

If the validity of the customer authentication information is not confirmed (1125), the server transmits a customer authentication error to the terminal (or the wireless terminal of the customer) through a communication network (1130), and terminates the GUI banking process. .

On the other hand, if the validity of the customer authentication information is confirmed (1125), the server transmits the customer authentication results to the terminal through the communication network (1135), and correspondingly the terminal in connection with the storage means the customer account Check the GUI banking information for each account including at least one of information, transaction type information, transaction target information, limit amount information, and banking element information (1140), and the GUI for each account in connection with the screen output means provided in the terminal. A user interface for selecting a transaction type corresponding to the GUI banking between the first customer account and the second customer account among the identified transaction type information on the basis of the GUI banking interface information between the accounts included in the banking element information of the banking information; The GUI banking interface between accounts is output to a predetermined area on the background screen of the customer terminal 110 (1145).

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

In detail, FIG. 12 illustrates a first program in the GUI program for each account when the GUI program for each account is mounted in the customer terminal 110 through the process shown in FIG. 4 in the program providing system shown in FIG. In order to provide a GUI banking function between the client account and the second client account in the form of a graphical user interface, the client account information, the transaction type information, the transaction target information, the limit value information, and the banking element information from the communication network are linked to the communication means. After receiving the GUI banking information for each account including one or more, in connection with the screen output means provided in the customer terminal 110 based on the GUI banking interface information between the accounts included in the banking element information between the banking between the customer accounts GUI banking corresponding to the transaction GUI banking interface between accounts to select the transaction type in a certain area on the desktop As illustrated in the drawing, a person having ordinary knowledge in the technical field to which the present invention pertains refers to an account for selecting a GUI banking transaction type corresponding to the financial transaction between customer accounts by referring to and / or modifying the drawing 12. Various implementation methods for the process of outputting the GUI banking interface between the predetermined area on the desktop may be inferred, but the present invention includes all the inferred implementation methods and is limited by the implementation method shown in FIG. Not.

Hereinafter, in FIG. 12, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI shown in FIG. 6. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 12, the terminal satisfies the GUI program function configuration for each account shown in FIG. 5, and provides a GUI banking function between the first customer account and the second customer account in the form of a graphical user interface. And outputs the customer authentication interface in a certain area on the desktop background (1200). It is checked whether customer authentication information (eg, ID / PW information of the customer) is input through the customer authentication interface (1205).

If customer authentication information is input through the customer authentication interface (1210), the terminal transmits the customer authentication information to the server through the communication network (1215) using the GUI program for each account (1215), and correspondingly the server Check the validity of the customer authentication information in connection with the GUI banking operation D / B (630) (1220).

If the validity of the customer authentication information is not confirmed (1225), the server transmits a customer authentication error to the terminal (or the wireless terminal of the customer) through the communication network (1230), and terminates the GUI banking process .

On the other hand, if the validity of the customer authentication information is confirmed (1225), the server is linked with the GUI banking operation D / B (630), the customer account information and the GUI banking by account associated with the customer information confirmed the customer authentication Check the setting information (1235).

Thereafter, the server checks the account attribute information corresponding to the confirmed customer account in connection with the financial system (1240), and selects a financial transaction type included in the identified account attribute information and the GUI banking setting information for each account. The inter-account GUI banking interface information corresponding to the information is generated (1245).

According to an exemplary embodiment of the present invention, the server checks a plurality of customer account information and GUI banking setting information for each account associated with the confirmed customer information, and corresponds to each of the identified plurality of customer accounts. Checking the account property information, and generating GUI accounting interface information between accounts corresponding to the account property information corresponding to each of the identified plurality of customer accounts and the financial transaction type selection information included in the GUI banking setting information for each account. desirable.

According to another exemplary embodiment of the present invention, when the GUI banking target customer account information is received from the server, the server checks the GUI banking setting information for each account associated with the customer information confirmed by the customer authentication, and confirms Check the account attribute information corresponding to the confirmed customer account, and the GUI banking interface information between accounts corresponding to the account attribute information corresponding to the confirmed customer account and the financial transaction type selection information included in the GUI banking setting information for each account. It is desirable to produce.

Thereafter, the server may include at least one banking element information including the generated GUI banking interface information between the accounts, the at least one user account information, transaction type information, transaction target information, limit amount information, and the like. Information is generated (1250), and the GUI banking information for each account is transmitted to the terminal through a communication network (1255), and correspondingly, the terminal is linked with the screen output means and the banking element information of the account-specific GUI banking information. An inter-account GUI banking interface including a user interface for selecting a transaction type corresponding to the GUI banking between the first customer account and the second customer account among the identified transaction type information based on the inter-account GUI banking interface information included in the; The client terminal 110 outputs a predetermined area on the background screen of the customer terminal 110 (1260).

FIG. 13 illustrates a process of outputting a GUI banking interface between accounts for inputting transaction information for GUI banking in a predetermined area on a desktop, and processing GUI banking corresponding to the input transaction information according to an embodiment of the present invention. One drawing.

In more detail, FIG. 13 illustrates a transaction type corresponding to GUI banking between a first customer account and a second customer account in a predetermined region on the terminal desktop through a process of outputting the GUI banking interface between the accounts shown in FIG. 11 or FIG. 12. After the inter-account GUI banking interface is selected, the terminal-to-account GUI banking interface for inputting (or selecting) various transaction information corresponding to the transaction type between the customer accounts selected through the inter-account GUI banking interface. A financial transaction information is output to a predetermined area on the desktop, and the financial transaction information including the transaction information input (or selected) through the GUI banking interface between the customer account information and the account is processed to process the financial transaction corresponding to the GUI banking. As for the process, those skilled in the art to which the present invention pertains, see FIG. And / or modify and output various GUI banking interfaces between accounts for selecting transaction information for the GUI banking in a predetermined area on the desktop, and process GUI banking corresponding to the input transaction information. As will be appreciated, the present invention encompasses all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, FIG. 13 illustrates a graphical user interface for inputting (or selecting) various transaction information corresponding to a transaction type between the selected customer accounts, and a GUI banking interface between accounts with different graphical user interfaces for inputting the customer authentication information. 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 single. It may be output to a predetermined area on the desktop through the GUI banking interface between the accounts, the present invention is characterized by including all possible inference method.

Hereinafter, in FIG. 13, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI shown in FIG. 6. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 13, a transaction type corresponding to GUI banking between a first customer account and a second customer account is displayed in a predetermined area on the terminal desktop through the GUI banking interface output process shown in FIG. 11 or FIG. 12. After the GUI banking interface between the selected accounts is outputted, the terminal checks whether the transaction type between the customer accounts to be processed through the GUI program for each account is selected among the GUI banking functions between the customer accounts through the GUI banking interface between the accounts. (1300).

If the type of transaction between customer accounts to be processed through the GUI program for each account among the GUI banking functions between the customer accounts is selected through the GUI banking interface between the accounts (1305), the terminal is linked with the screen output means. Output the customer account information based on the GUI banking interface information between accounts included in the banking element information of the respective GUI banking information (or, if there are a plurality of customer accounts, output a user interface for selecting any one of the plurality of customer accounts). Function, or a user interface for inputting customer account information of the customer, if the customer account information is not confirmed (or received)), and the transaction target information and the limit corresponding to the transaction type between the customer accounts; GUI between accounts including a user interface for entering various transaction information matching the amount information The banking interface is output to a predetermined area on the background screen of the customer terminal 110 (1310).

For example, the transaction type between the customer accounts between the customer account that withdraws 100,000 won from the free withdrawal account of the customer name corresponding to the first customer account and deposits into the savings account of the customer name corresponding to the second customer account. In the case of a financial transaction, the GUI banking interface between the accounts includes a graphic user interface corresponding to a GUI banking interface for each account for processing the withdrawal transaction of the first customer account, and the deposit transaction of the second customer account. It is preferable to combine the graphical user interface corresponding to the account-specific GUI banking interface for processing the.

Those skilled in the art to which the present invention pertains will be able to infer the configuration of the GUI banking interface between the accounts corresponding to various customer account financial transactions in addition to the above-described GUI banking interface between the accounts, the present invention is inferred It is characterized by including all the implementation method for the GUI banking interface configuration between accounts.

Thereafter, the terminal determines whether various transaction information corresponding to the transaction type between the selected customer accounts is input (or selected) through the GUI banking interface between the accounts (1315).

For example, the transaction type between the customer accounts between the customer account that withdraws 100,000 won from the free withdrawal account of the customer name corresponding to the first customer account and deposits into the savings account of the customer name corresponding to the second customer account. In the case of including a financial transaction, the terminal inputs (or selects) the withdrawal transaction related transaction information through a graphic user interface corresponding to a GUI banking interface for each account for processing the withdrawal transaction of the first customer account; The transaction information related to the deposit transaction is input (or selected) through a graphical user interface corresponding to a GUI banking interface for each account for processing the deposit transaction of the second customer account.

If various transaction information corresponding to the selected transaction type between the selected customer accounts is input (or selected) through the GUI banking interface between the accounts (1320), the terminal inputs (or selects) corresponding to the transaction type information between the customer accounts. The validity of the various transaction information is checked (1325).

For example, the transaction type between the customer accounts between the customer account that withdraws 100,000 won from the free withdrawal account of the customer name corresponding to the first customer account and deposits into the savings account of the customer name corresponding to the second customer account. In the case of including a financial transaction, the terminal is included in the withdrawal transaction related transaction information input (or selected) through a graphic user interface corresponding to a GUI banking interface for each account for processing the withdrawal transaction of the first customer account. It is characterized by checking whether the withdrawal amount information exceeds the limit amount information.

Those skilled in the art to which the present invention pertains can infer various implementation methods for validation methods corresponding to transaction types between different customer accounts based on the validation methods corresponding to the deposit and withdrawal transactions between customer accounts. Since it will be possible, a detailed description thereof will be omitted for convenience.

If the validity of the input (or selected) various transaction information is not confirmed (1330), the terminal outputs a transaction information validity error message in a predetermined area on the desktop (1335), and inputs the transaction information (or The process of outputting the GUI banking interface between accounts to a predetermined area on the desktop is repeated.

On the other hand, if the validity of the various transaction information input (or selected) is confirmed (1330), the terminal generates the financial transaction information including the customer account information and various transaction information corresponding to the transaction type between the selected customer account. (1340).

Thereafter, the terminal generates financial transaction request information through transaction processing and / or encryption processing for the financial transaction information (1345).

Thereafter, the terminal transmits the generated financial transaction request information to a server through a communication network using the GUI program for each account (1350).

In more detail, in FIG. 14, various transaction information corresponding to the transaction type for the GUI banking is input through the process illustrated in FIG. 13, 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 105 on the GUI banking system shown in FIG. 6 through a communication network, the GUI banking server 105 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 14 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. 14 illustrates separately the customer validity authentication 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. 14, the customer terminal 110 having the GUI program for each account shown in FIG. 5 is referred to as a “terminal” for convenience through the program providing system shown in FIG. 2 and the GUI shown in FIG. 6. The GUI banking server 105 on the banking system is referred to as " server " for convenience.

Referring to FIG. 14, various transaction information corresponding to the transaction type for the GUI banking is input through the process illustrated in FIG. 13, and financial transaction information including the customer account information and the transaction information is generated. When the financial transaction request information including the financial transaction information is transmitted to the GUI banking server 105 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 (1400). In step 1405, the financial transaction information included in the received financial transaction request information is checked.

When the financial transaction information included in the financial transaction request information is confirmed, the server checks the GUI banking validity of the transaction authentication information included in the financial transaction information in connection with the GUI banking operation D / B 630 (1410). ).

If the GUI banking validity of the financial transaction information is not verified (1415), the server generates a financial transaction history including the banking validity error information (1420), transaction processing and / or the financial transaction details The financial transaction result information is generated through an encryption process (1450), and the generated financial transaction result information is transmitted to the terminal through a communication network (1455).

On the other hand, if the GUI banking validity of the financial transaction information is confirmed (1415), the server processes the financial transaction corresponding to the confirmed financial transaction information (1425).

If a financial transaction corresponding to the financial transaction information is processed (1430), the server generates the ledger processing information corresponding to the financial transaction processing result (1435), and connects the generated ledger processing information to the financial system. It is stored in the ledger on the financial system (1440).

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 financial transaction details corresponding to the financial transaction processing result (1445), generates financial transaction result information through transaction processing and / or encryption processing for the financial transaction history (1450), and communication network. The generated financial transaction result information is transmitted to the terminal through the terminal 1455, and correspondingly, the terminal schedules the financial transaction history included in the financial transaction result information on the desktop based on the GUI banking information for each account. Output to the area (1460).

According to the present invention, by providing a banking interface for each account corresponding to the account attributes and transaction types of a plurality of customer accounts in a graphical user interface program produced by a financial institution (or an affiliated institution of a financial institution) and distributed to a customer terminal, Simplify non-face-to-face financial transactions that include at least one inquiry transaction, various payment transactions with preset transaction amounts, or microtransfer transactions for customer accounts that support specific account attributes and transaction types. There is an advantage in providing convenience.

According to the present invention, a financial institution (or an affiliated institution of a financial institution) provides a graphical user interface program for a plurality of accounts corresponding to account attributes and transaction types of a plurality of client accounts, respectively, to a client terminal. Advantages of providing a simple and convenient non-face-to-face financial transaction that includes at least one inquiry transaction, a payment transaction with a predetermined transaction amount, or a small transfer transaction for a customer account supporting a specific account attribute and transaction type. There is this.

According to the present invention, a financial institution (or an affiliated institution of a financial institution) provides a graphical user interface program for financial transactions between a plurality of client accounts to a client terminal, whereby a financial transaction between a first client account and a second client account is established. It has the advantage of being simple and convenient.

Claims

Characterized in that installed on the customer terminal,

Providing a separate icon and a separate interface for each of a plurality of accounts held by a customer;

A function of checking an icon and an interface given to an account corresponding to the received account transaction information when at least one account transaction information among the plurality of accounts possessed by the customer is received through a communication network; And

And a function of processing the received account transaction information through the identified icon and interface. A program for executing the program is recorded.

According to claim 1, wherein the program,

A function of integrating deposit and withdrawal transactions for each of a plurality of accounts of the customer; And

And outputting the integrated deposit and withdrawal transaction details.

Means for providing a program having a separate icon for each of a plurality of accounts owned by the customer and a program having an individual interface to the customer terminal; And

And means for outputting at least one or more account transaction information among a plurality of accounts possessed by the customer through the program provided to the customer terminal.