KR20090019021A

KR20090019021A - System and method for managing affiliated stores complex points accumulating account and program recording medium

Info

Publication number: KR20090019021A
Application number: KR1020070083126A
Authority: KR
Inventors: 최수진
Original assignee: 주식회사 신한은행
Priority date: 2007-08-20
Filing date: 2007-08-20
Publication date: 2009-02-25

Abstract

The present invention relates to a method and system for operating an affiliate composite point earning account (or account) and a recording medium therefor. According to the present invention, a customer point earning account (or account) through a telecommunication company, a card company and a bank (or securities company) alliance is provided. In the operation method, if the carrier provides the points according to the purchase or use of the customer's carrier products, the step of accumulating the points provided by the carrier in the point earning account (or account) of the customer name and the customer at the card company When the payment process according to the use of the carrier product with the issued card, if the card company provides the points according to the use of the card of the customer, the points provided by the card company to the point earning account (or account) of the customer name It is about how to operate an affiliate composite point earning account (or account) that includes .

Description

System and Method for Managing Affiliated Stores Complex Points Accumulating Account and Program Recording Medium}

1 is a view illustrating a configuration of a financial product providing and operating system for providing a financial product service for providing and operating a movie money corresponding to a bank account interest according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a financial product subscription system for providing money-free money corresponding to an account balance interest according to an embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium storing financial product information corresponding to a financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

4 is a storage medium for storing financial product information corresponding to a financial product subscribed in a non-face-to-face manner according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system; It is a figure which shows the implementation method.

FIG. 5 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium storing financial product information corresponding to a financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention.

6A and 6B are diagrams illustrating a financial product subscription process for providing a non-face-to-money account corresponding to a bank account interest in a non-face-to-face manner according to one embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating a financial product subscription processing process for providing a money money corresponding to a bank account interest according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a financial product operating system that provides money-free money instead of interest according to an account balance value according to an embodiment of the present invention.

9 is a view showing a process for providing a non-interest money in accordance with the account balance value according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a real-time passbook issuing system for issuing a customer's own passbook using an image directly designed (or requested) by a customer according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating the structure of ledger information for issuing a customer's own bankbook using an image directly designed (or requested) by a customer according to an embodiment of the present invention.

12 is a view showing a bank account issuing process for issuing a customer's own bankbook using an image designed by the customer (or required) according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a non-real time passbook issuing system for issuing a customer's own bankbook using an image designed by the customer (or required) according to another embodiment of the present invention.

14 is a view showing the configuration of the ledger information for issuing the customer's own bankbook using the image designed by the customer directly (or requested) according to the embodiment of the present invention.

15 is a view illustrating a non-real time non-facebook passbook issuing process for issuing a customer's own bankbook using an image designed by the customer (or required) according to another embodiment of the present invention.

100: financial product server 105: financial product management server

110, 130: Bankbook Issuance Server 115: Electronic Document Server

The present invention is a method of operating a customer points earning account (or account) through a carrier and card company and a bank (or securities company) alliance, if the carrier provides points according to the customer's purchase or use of the carrier's products, points earned in the name of the customer Accumulating the points provided by the telecommunications company to an account (or an account); and when the customer processes the payment according to the use of the telecommunications company with the card issued by the card company, the card company provides the points according to the use of the customer's card. , Earning the points provided by the card company to the point earning account (or account) of the customer's name.

Recently, financial institutions (eg, banks, etc.) develop and provide various types of financial products. In particular, the development of financial products linked to various affiliates is recognized as a very important factor for customer acquisition.

On the other hand, in order for customers to utilize each point provided by various affiliates, points must be prepared for use through alliance, etc., which financial institutions accumulate as a subject and bind the points of several affiliates into one. It is time to develop and provide related services.

An object of the present invention for solving the above problems, in the customer point earning account (or account) operating system through the carrier and card company and the bank (or securities company) alliance, according to the purchase or use of the carrier product of the customer provided by the carrier Point earning account (or account) in the name of the customer means for earning points to the point earning account (or account) in the name of the customer and the use of the customer's card provided by the card company-payment processing according to the use of the carrier product- In providing an affiliate composite point earning account (or account) operating system that includes means for earning credit.

In the method of operating a customer point earning account (or account) through a telecommunication company and a card company and a bank (or securities company) alliance, the method for operating a partner composite point earning account (or account) according to the present invention may be used to purchase a customer's telecommunication company product or When providing the points according to the use, the step of accumulating the points provided by the telecommunications company to the point earning account (or account) of the customer name and when the customer processes the payment according to the use of the telecommunications products with the card issued by the card company If the card company provides a point according to the use of the customer's card, characterized in that it comprises the step of earning the points provided by the card company in the account (or account) of the point earning account of the customer name.

According to the present invention, the partner composite point earning account (or account) operating method, a point (e.g. account) in the name of the customer in the bank (or securities company) to open a point earning account (or account) points earned account (or account) Characterized in that it further comprises the step of earning.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for operating a partner composite point earning account (or account).

On the other hand, in the customer point earning account (or account) operating system through a telecommunication company, card company and bank (or securities company) alliance, the partner composite point earning account (or account) operating system according to the present invention, the customer provided by the carrier Means for accumulating points in the purchase or use of telecommunications products to a point earning account (or account) in the name of the customer; and

And means for accumulating points according to the use of the customer's card provided by the card company-the payment processing according to the use of the carrier product-to a point earning account (or account) in the name of 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 system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

1 is a diagram illustrating a point account (or account) opening and operation system for providing a composite point earning account (or account) according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that a given customer accumulates points of the customer, which are credited from various affiliates (eg, a telecommunication company, a card company, etc.), which have affiliation with a predetermined financial institution, to a point account (or account) of the financial institution. In order for the customer to provide the financial institution with point account (or account) application information including at least one of customer information, account (or account) attribute information, customer consent information, and affiliate selection information, the financial institution provides the customer with information. Opening a point account (or account) of the customer name based on the point account (or account) application information provided by the customer, and the points of the customer name to be accumulated from affiliates (for example, carriers, card companies, etc.) selected by the customer Points (or accounts) of the financial institution to accumulate, operate a multi-point to provide interest payments and preferential interest rate according to the points accumulated Point account (or account) for the provision of the product and the configuration of the operating system, and those of ordinary skill in the art to which the present invention belongs, the reference to or modifying the present Figure 1 to provide a multi-point operating product provision Various implementation methods may be inferred for establishing a point account (or account) for the configuration and operation system, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. .

According to an embodiment of the present invention, a point account (or account) establishment and operation system for providing a multi-point operating product provides at least one of customer information, account (or account) attribute information, customer consent information, and affiliate selection information from the customer. Point account (or account) establishment server (200,700) and the point account (or account) establishment server for receiving the point account (or account) application information included above and opening the point account (or account) of the customer name. Point accounts (or accounts) of the customer's name generated at 200,700 are provided in correspondence with the purchase or use of the customer's products (or use) or card payments from affiliated companies (e.g., telecommunications companies, card companies, etc.) A point account (or account) operating server 1300 for earning points, and providing interest payments and preferential interest rates according to the points, and the point account (or Account) The financial system 240 is provided with a ledger corresponding to the point account (or account) opened through the establishment server (200, 700), the financial institution to form a partnership with the financial institution and the points earned in the customer's name Characterized in that it consists of affiliated servers (eg, telecommunications company server, card company server, etc.) to accumulate in the point account (or account) of the institution.

Point account (or account) establishment server (200,700) for providing the composite point operating product is a point account that the customer includes at least one of the customer information, customer consent information, account (or account) attribute information, affiliate selection information (Or an account) when the application information is prepared and provided to the financial institution, the financial institution opens a point account (or account) for providing the composite point operating product based on the point account (or account) application information. It features.

The point account (or account) operation server 1300 for providing the composite point operating product is a point account (or account) of the customer name created in the point account (or account) opening server (200,700) and the financial institution To earn points provided through the purchase (subscription) (or use) of the customer or the use of the card from the affiliated partner (e.g., carrier, card company, etc.), and provide interest payment and preferential interest rate It features.

The financial system 240 stores and operates ledger information corresponding to the point account (or account), and a window such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window). An interconnection between the accounting system that handles business, the informational system that handles headquarters operations, branch office information support and customer information management, and the financial system 240 and at least one other financial system 240 (or payment system); Access to the financial system 240 from at least one non-face-to-face financial transaction means (eg, internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided in at least one external communication network, Or establish an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 240 is an interface module corresponding to the middleware platform (Middleware) platform that provides the interface between the components in the financial system 240, and components in the financial system 240 Is provided with a DBMS (DataBase Management System) including at least one or more databases for storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function. It is characterized by.

The affiliate server (eg, a telecommunication company server, a card company server, etc.) forms an alliance with the financial institution and displays the point details (or accounts) provided to the customer in response to the purchase (or use) of the customer or the use of a card. Providing to the operation server, characterized in that the earned to the point account (or account) opened in the customer name.

In FIG. 1, the point account (or account) establishment and operation system is the point account (or account) establishment server (200,700) and the point account (or account) operation server (1300), the financial system 240 and the affiliate server. Although illustrated and described, the present invention is not limited thereto, and in the present invention, the point account (or account) opening and operating system is composed of one server (or device), or at least one server (or device). It is possible to be made, it will be apparent that it may be implemented in a separate server form for each component constituting each server shown in accordance with the intention of those skilled in the art.

2 is a diagram illustrating a system for establishing a point account (or account) in a face-to-face manner for providing a compound point operating product according to an exemplary embodiment of the present invention.

More specifically, FIG. 2 illustrates that a given customer prepares a point account (or account) application by including at least one of predetermined customer information, customer consent information, account (or account) attribute information, and affiliate selection information. When submitted to the window provided in the institution, the financial institution based on the point account (or account) application information corresponding to the point account (or account) application information point account (or account) for providing the composite point operating product And a system configuration for storing point operation information for managing the point account (or account) in a predetermined storage medium, and a person of ordinary skill in the art to which the present invention pertains, FIG. Various implementations for the construction of a point account (or account) system for providing a multi-point operating product by referring to or modifying Would have to be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, the point account (or account) application and the point account (or account) application information created by the customer through a point account (or account) opening interface on the point account (or account) opening system shown in FIG. Correspondingly, a component corresponding to at least one or more means or functional configurations for the customer to open the point account (or account) is referred to as "point account (or account) opening server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a point account (or account) opening system for providing a composite point operating product includes a counter terminal provided in at least one financial institution branch (or branch). And a terminal device, wherein the terminal device is connected to a point account (or account) opening server 200 provided on the point account (or account) opening system through a predetermined financial network. do.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch) to provide the multi-point operating product, and through a window (or a teller staff) provided at the financial institution branch (branch branch). ) Prepare a predetermined point account (or account) application (eg, a document with a form for filling in at least one information item for providing the composite point operating product) for providing the composite point operating product. It is desirable for the customer to seal the customer's seal for the legal basis for the point account (or account) application.

Subsequently, when the customer submits the completed point account (or account) application form to the teller, the teller receives the customer information, customer consent information, and account (or account) attribute information written in the point account (or account) application. And input (or select) point account (or account) application information including at least one affiliate selection information, and in response, the teller terminal sends the point account (or account) application information to the point network through the financial network. It is preferable to transmit to the point account (or account) opening server 200 provided on the account (or account) opening system.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the point account (or account) opening server 200 connected to the window terminal is the predetermined financial It is preferable to include a server (eg, ledger server, etc.) provided on the system, the financial network connecting the teller terminal and the point account (or account) establishment server 200 is the teller terminal and the point account ( Or account) is preferably made to include the current network connecting the communication channel between the establishment server (200).

The storage medium provided on the point account (or account) opening system according to the present invention is the customer information and customer consent information, account (or account) included in the point account (or account) application information provided from the terminal device ) Stores point operation information including at least one of attribute information and affiliate selection information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the point account (or account) opening system in response to the customer; It is preferable to include one or more.

The customer consent information is preferably made to include information that the customer agrees to accumulate points accumulated in the affiliates affiliated with the financial institution in the point account (or account) of the financial institution.

The account (or account) attribute information may be a type of account (or account) opened by the customer's application (for example, a free withdrawal account (or account), a savings account (or account) or a cash account (or account), a point). Account (or account), and, in the case of a savings account (or account), it is preferable to include at least one or more of the payment amount, maturity date, interest rate, and the like.

The partner selection information may include affiliate information that the customer will accumulate in the point account (or account) opened in the financial institution the points earned by the customer among the affiliates affiliated with the financial institution.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the point account (or account) opening system (or associated with the point account (or account) opening system). In this case, the storage medium may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

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

The point account (or account) opening server 200 provided on the point account (or account) opening system according to the present invention is the point account (or account) opening system connected to the terminal device through a predetermined financial network. Generic terms of the side components may be implemented including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby The invention is not limited.

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the point account (or account) opening server 200 is connected to the teller terminal through a predetermined financial network. It may be a ledger server provided on, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the point account (or account) establishment server 200 is provided with an interface unit 205 for connecting and managing a predetermined communication channel with the terminal device through the financial network. It is done.

According to an exemplary embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 205 may establish a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the point account (or account) establishment server 200 uses a predetermined terminal device to establish a communication channel with the point account (or account) establishment server 200 through the interface unit 205. When connected, at least one or more users to input (or select) the point account (or account) application information corresponding to the point account (or account) application form to be sent to the point account (or account) opening server 200 An interface providing unit 210 which generates (or extracts) an interface and provides the generated (or extracted) user interface to the terminal device in association with the interface unit 205 and the user interface in the terminal device. Through inputting (or selecting) the point account (or account) application information corresponding to the point account (or account) application form, the connection with the interface unit 205 is performed. And provided with a point of the account (or accounts) information receiver 215 for receiving the application information transmitted from the terminal apparatus is characterized in that eojineun achieved.

The interface provider 210 establishes the point account (or account) after the terminal device connects a predetermined communication channel with the point account (or account) establishment server 200 through the interface unit 205. When requesting a user interface for providing the composite point operating product to the server 200, input (or select) point account (or account) application information corresponding to the point account (or account) application through the financial network Generate at least one or more user interfaces to be transmitted to the point account (or account) establishment server 200, or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 205 A) user interface is provided to the terminal device through the financial network.

According to another embodiment of the present invention, by inputting (or selecting) point account (or account) application information corresponding to the point account (or account) application to the terminal device, the point account (or account) through the financial network. When a predetermined information registration program having at least one user interface for transmitting to the establishment server 200 is provided, input point account (or account) application information corresponding to the point account (or account) application (or Optionally, the interface providing unit 210 for generating (or extracting) a user interface for transmitting to the point account (or account) establishment server 200 and providing it to the terminal device may be omitted. This is not limited.

Thereafter, the terminal apparatus inputs (or selects) point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the user interface. The point account (or account) application information inputted (or selected) is transmitted to the point account (or account) opening server 200 through the financial network. The point account (or account) application information transmitted from the terminal device in connection with the interface unit 205 is characterized in that for receiving.

Referring to FIG. 2, when the point account (or account) establishment server 200 receives the point account (or account) application information transmitted from the terminal device through the information receiving unit 215, the received point is received. It is characterized in that the account (or account) is provided with a validity confirmation unit 220 for confirming whether the application information satisfies the validity for providing the composite point operating product.

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

For example, the validity of the point account (or account) application information is the information contained in the point account (or account) application information, the customer information (customer personal information, member information, etc.) is the point account (or Accounting), preferably including matching with the customer ledger stored in the ledger D / B on the financial system associated with the opening system.

In addition, the validity check of the point account (or account) application information includes checking whether the customer information of the affiliate included in the affiliate selection information matches the customer information included in the point account (or account) application information. It is preferable to make.

Referring to FIG. 2, the point account (or account) establishment server 200 includes the point account (or account) application information received through the information receiving unit 215 through the validity checking unit 220. When the validity for providing the operating product is authenticated, the point is based on the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the validity-certified point account (or account) application information. An information generating unit 225 for generating account (or account) information and an account (or account) opening unit for opening and processing a point account (or account) of the customer's name including the point account (or account) information ( 230, characterized in that consisting of.

When the validity of the point account (or account) application information is confirmed by the validity confirmation unit 220, the information generator 225 is the customer information included in the point account (or account) application information, customer agreement The point account (or account) information is generated based on the information, account (or account) attribute information, and affiliate selection information.

Here, the point account (or account) information preferably comprises an account (or account) number and interest rate information corresponding to the point account (or account) opened based on the point account (or account) application information. If the point account (or account) includes a savings attribute, the point account (or account) preferably further includes a predetermined subscription period, payment date and payment amount information.

The account (or account) opening unit 230 generates a customer ledger including customer information included in the application for point account (or account) opening in connection with the financial system (or is matched with the customer information and is provided with Check the customer ledger), generate predetermined account (or account) ledger information including the point account (or account) information, and then transfer the account to a predetermined account (or account) ledger associated with the customer ledger. By storing the ledger information (or account), a predetermined point account (or account) for providing the composite point operating product is opened in response to the point account (or account) application information.

According to an embodiment of the present invention, when the point account (or account) opening server 200 and the financial system exist in the same system, the account (or account) opening unit 230 is connected to the financial system. It is preferable to create a predetermined account (or account) ledger containing point account (or account) information in the ledger D / B.

According to another embodiment of the present invention, when the point account (or account) establishment server 200 and the financial system exist on another system connected through a predetermined communication means, the account (or account) establishment unit ( 230 requests to create a predetermined account (or account) ledger containing the point account (or account) information in the ledger D / B on the other financial system via an external system on the financial system through a predetermined communication means. It is desirable to.

Referring to FIG. 2, the point account (or account) establishment server 200 includes the point account (or account) application information received through the information receiving unit 215 through the validity checking unit 220. When the validity for providing the operating product is authenticated, the validity information includes at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information that has been validated. And an information storage unit 235 for storing the point operation information to a predetermined storage medium.

When the validity of the point account (or account) application information is confirmed by the validity confirmation unit 220, the information storage unit 235 is the customer information and the customer included in the point account (or account) application information Point operation information including at least one agreement information, account (or account) attribute information, affiliate selection information is stored in the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the point account (or account) opening server 200 or on the network associated with the point account (or account) opening server 200, The information storage unit 235 includes point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the received point account (or account) application information. It is preferable to store the in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 235 is the customer information included in the received point account (or account) application information And providing point operation information including at least one or more of customer consent information, account (or account) attribute information, and affiliate selection information to the information system through an external system on the financial system and storing the information in a DBMS provided on the financial system. desirable.

3 is a diagram illustrating an implementation method in which a storage medium for storing point operation information corresponding to a point account (or an account) opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

More specifically, Figure 3 is the ledger D / B of the ledger D / B provided in the DBMS on the financial system or the storage medium shown in Figure 2, the ledger information provided in the ledger D / B The configuration of the information on an embodiment of the method for storing the point operation information in the present invention. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 3 to the ledger D / B. Various information construction methods for storing point operation information may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and the point shown in Figure 2 The account (or account) ledger corresponding to the point account (or account) opened through the account (or account) opening system and at least one information associated with the account (or account) ledger is shown. If one of ordinary skill in the art belongs to the ledger D / B provided in the DBMS on the financial system, at least one ledger (for example, in addition to the customer ledger and account (or account) ledger shown in Figure 3) Obviously further includes at least one additional information for maintaining and managing the ledger, loan ledger, mortgage ledger, ..., etc.) And, also, because of this it and read the group specific technical details, the detailed description thereof will be omitted for convenience.

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

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

In addition, the account (or account) ledger is relationally linked to the customer ledger, and as a ledger corresponding to the point account (or account), account (or account) number (or securities number), CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date It includes at least one final payment amount, final payment amount, unpaid number of transactions, interest rate account (or account), consolidation, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic reception information including at least one or more of an account (or account) number, abstention (month), period (days), period extension, expiration date and target amount corresponding to the account (or account) ledger, and / or the account (or Account) Trust receipt information including at least one or more account (or account) number, the amount of trust, par value, pension date and the number of shares, and / or an account (or account) number corresponding to the account (or account) ledger, Contains transaction details including at least one of transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of commencement, bank account line, summary, CIF, etc. It is done by

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

According to an embodiment of the present invention, the storage medium is the ledger D / B, or referring to this drawing 3 including an implementation method provided in the ledger D / B, the point account shown in Fig. 2 (or Account) Point operation information including at least one or more of the customer information, customer consent information, account (or account) attribute information, affiliate selection information included in the point account (or account) application information provided through the establishment system (the account) Or an account) is stored in the form of additional information added to the ledger.

The partner selection information may include partner information that the customer will accumulate in the point account (or account) opened in the financial institution the points earned by the customer among the affiliates (eg, telecommunication companies, card companies, etc.) affiliated with the financial institution. It is preferable to include.

According to another embodiment of the present invention, the point account (or account) application information is stored in the form of information included in the account (or account) ledger (not shown), or other than the account (or account) ledger It may be stored in the form of additional information added to another ledger (for example, the customer ledger) or in a separate independent ledger form in addition to the account (or account) ledger, and the present invention is not limited thereto.

4 shows a database in which a storage medium storing point operation information corresponding to a point account (or account) opened in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

In more detail, FIG. 4 illustrates an information structure of an exemplary embodiment in which the storage medium illustrated in FIG. 2 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. Those skilled in the art to which the invention pertains, refer to or modify the reference figure 4, or a variety of information configuration for storing the point operation information in a predetermined database in association with the ledger D / B stored in a predetermined database The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 4, when it is not easy to store the point operation information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the point operation information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 4 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 4, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium includes a database associated with a ledger D / B provided in a DBMS on a financial system, the database includes the point account (or account) application information. And store point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and partner selection information included in the point information. The point operation information is stored in the ledger D / B. In order to be cooperatively processed, the point management information may further include a CIF number corresponding to the ledger information.

FIG. 5 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium storing point operation information corresponding to a point account (or account) opened in a face-to-face manner according to another embodiment of the present invention. Drawing.

In more detail, FIG. 5 shows a storage medium shown in FIG. 2 provided in a DBMS provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment, those skilled in the art to which the present invention pertains, point operation information stored in a predetermined DBMS provided in at least one or more banking server by referring to and / or modifying the figure 5 It will be possible to infer a method of configuring information for the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, wherein the storage medium includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the point account (or account) application information. Point operation information including at least one or more of the customer information and customer consent information, account (or account) attribute information, affiliate selection information included in the.

6A and 6B illustrate a process of opening a point account (or account) for providing a compound point operating product in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals provided with a terminal device on a point account (or account) opening system shown in FIG. 2 at a financial institution branch (or branch office), and the point account (or account) is opened. In the case where the server 200 has a ledger server (not shown) function on a financial system associated with a teller terminal through a predetermined financial network, a predetermined customer may use a point account (or account) for providing a composite point operating product. To establish and submit a point account (or account) application which includes at least one of customer information, customer consent information, account (or account) attribute information, and affiliate selection information, the financial institution will provide the point account ( Or an account), which is a system configuration for opening and processing a point account (or account) in a face-to-face manner based on an application form. Once you have completed the account (or account) application form and submit it to the counter, enter (or select) the point account (or account) application information corresponding to the point account (or account) application to open the point account (or account). When transmitting to the server 200, the point account (or account) opening point in the server 200, the point account containing at least one or more of the customer information, customer consent information, account (or account) attribute information, affiliate selection information ( Or an account) shows an implementation method of opening and processing the point account (or account) based on the application information.

Those skilled in the art to which the present invention pertains, the point account (or account) to the point account (or account) opening server 200 in the window terminal by referring to or modifying the drawings 6a and 6b. Various implementation methods for registering application information may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 6A and 6B.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the point account (or account) establishment server 200 shown in Figure 2 is referred to as "server" for convenience. .

Referring to FIGS. 6A and 6B, a point account (or account) in which a predetermined customer includes at least one of customer information, customer consent information, account (or account) attribute information, and affiliate selection information to provide a compound point operating product. When the application is completed and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer information corresponding to the point account (or account) application. Generate (or extract) a user interface for inputting (or selecting) point account (or account) application information including at least one or more of customer consent information, account (or account) attribute information, and affiliate selection information to the server. In operation 605, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output in operation 610.

Thereafter, the terminal inputs (or selects) point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the user interface. (615).

If point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information is input (or selected) through the user interface (620), The terminal transmits the input (or selected) point account (or account) application information to the server through the financial network (625).

Thereafter, the server receives and reads point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the financial network. The validity of the account (or account) application information is checked (630).

If the validity of the point account (or account) application information is not authenticated (635), the server generates predetermined point account (or account) error information and transmits it to the terminal (640), and the point account ( Or account) Do not perform the procedure for opening a point account (or account) corresponding to the application information.

On the other hand, if the validity of the point account (or account) application information is authenticated (635), the server includes the customer information, customer consent information, account (or account) attribute information, included in the point account (or account) application information, The point account (or account) information is generated based on affiliate selection information (645).

Thereafter, the server is linked with the financial system based on the customer information, customer consent information, account (or account) attribute information, affiliate selection information included in the point account (or account) application information, the point account (or A point account (or account) of the customer name including the account information is opened (650).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the point account (or account) opening application information in connection with the financial system (or is matched with the customer information, Check the customer ledger, generate predetermined account (or account) ledger information including the point account (or account) information, and then add the account (or account) to the predetermined account (or account) ledger associated with the customer ledger. Alternatively, by storing the ledger information, a predetermined point account (or account) for providing the composite point operating product is opened in response to the point account (or account) application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account including the point account (or account) information in the ledger D / B in association with the financial system. It is desirable to create a ledger (or account).

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to create a predetermined account (or account) ledger containing the point account (or account) information.

Thereafter, the server generates point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information. Store in a storage medium (655)

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information included in the received point account (or account) application information. And point operation information including at least one of customer consent information, account (or account) attribute information, and affiliate selection information, in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information and customer consent information included in the received point account (or account) application information, Point operation information including at least one of account (or account) attribute information and affiliate selection information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined point account (or account) establishment history information (eg, the point account (or account) establishment history, or details of storing the point account (or account) application electronic document in the electronic document repository, Or (660) generates (or extracts) the details of storing the point account (or account) application information on the storage medium and transmits it to the terminal (660).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the point account (or account) opening system (or associated with the point account (or account) opening system). In this case, the storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided (or linked) on the point account (or account) opening system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

7 is a diagram illustrating a non-face-to-face point account (or account) opening system for providing a multi-point operating product according to another embodiment of the present invention.

In more detail, FIG. 7 illustrates a point in which a predetermined customer includes at least one predetermined customer information, customer consent information, account (or account) attribute information, and affiliate selection information through a predetermined point account (or account) opening interface. When the account (or account) application information is provided to the financial institution, the financial institution opens a point account (or account) for providing the composite point operating product based on the point account (or account) application information, and the A system configuration for storing point operation information for managing a point account (or an account) in a predetermined storage medium. Those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods can be inferred for constructing a point account (or account) system for providing multi-point operating products. The would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, the point account (or account) application information is provided from the customer through a predetermined point account (or account) opening interface on the point account (or account) opening system shown in FIG. A component corresponding to one or more means or functional configurations for establishing an account (or account) is referred to as "point account (or account) opening server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a point account (or account) opening system for providing a composite point operating product includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device including at least one, the terminal device via the network means point account (or account) establishment server 700 provided on the point account (or account) establishment system 700 And communication channel are connected.

According to an embodiment of the present invention, the customer may be connected to the point account (or account) establishment server 700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the user accesses and inputs (or selects) point account (or account) application information for providing the composite point operating product through at least one user interface provided by the point account establishment server (700), The client terminal preferably transmits the point account (or account) establishment server 700 provided on the point account (or account) establishment system through a predetermined network means.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

The point account (or account) establishment server 700 connected with the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, or a TV banking server according to the characteristics of the client terminal and network means. Or it is preferably made to include a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the point account (or account) establishment server 700 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal Either of the portable Internet or the IEEE 802.11x-based wireless LAN, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one user interface provided by the point account (or account) establishment server 700, and input or select at least one information through the user interface to the point account (or account) A function configuration for transmitting to the establishment server 700 (eg, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the point account (or account) establishment server 700, etc.) are provided. It is preferable.

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

In the point account (or account) establishment system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and the client terminal and the point account (or account) establishment server 700 The at least one wired or wireless communication network to connect performs a function of a point account (or account) opening interface for the customer to register point account (or account) application information for providing the composite point operating product.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the point account (or account) opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the point account. (Or account) The financial network connecting the opening server 700 performs a function of a point account (or account) opening interface for registering the point account (or account) application information for the customer to provide the composite point operating product Or, if the terminal device is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the point account (or account) establishment server 700 Alternatively, the wireless telephone network may establish a point account (or account) for the customer to register point account (or account) application information for providing the composite point operating product. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device (not shown), the terminal (or server) (not shown) and the terminal (or server). (Not shown) and the network linking the point account (or account) establishment server 700 is a point account (or account) for the customer to register the point account (or account) application information for providing the composite point operating product Account) Open the interface.

The point account (or account) opening server 700 provided on the point account (or account) opening system according to the present invention is the point account (or account) opening system connected to the terminal device through a predetermined network means. As a generic term for the side components, it may be implemented by including at least one server (or device), or may be implemented by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby The present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the point account (or account) establishment server 700 is A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or the finance It may be a program provided in the external system on the system, whereby the present invention is not limited Should you.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the point account (or account) establishment server 700 is connected to the wireless terminal. A predetermined wireless banking server provided on a banking system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the point account (or account) establishment server 700 may be configured to perform the telephony. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on a banking system, a program included in the telebanking server, or an external system of the financial system is accessed through the telebanking system. Any server (or device) possible, a program provided in the server (or device), or a server provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). (Or a device) or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the terminal device is a wired terminal (or interactive digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the point account (or account) establishment server 700 is A predetermined TV banking server provided on the TV banking system, a program provided on the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or the finance It may be a program provided in the external system on the system, whereby the present invention is not limited.

According to an embodiment of the present invention, the point account (or account) establishment server 700 is provided with an interface unit 705 for connecting and managing a predetermined communication channel with the terminal device through the network means. It is done.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an Internet banking program) provided by the point account (or account) establishment server 700, the interface unit 705 is based on the TCP / IP protocol. It connects a communication channel with the client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface unit 705 may select the financial automatic device based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (11 wireless application protocol) or a ME (mobile explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (11 wireless markup language) compatible web page or an HTML compatible web page) or information.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the point account (or account) establishment server 700, the interface unit 705 is based on the CDMA protocol. It connects the communication channel with the client terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) and a predetermined call path based on the voice call, and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 705 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 7, the point account (or account) establishment server 700 establishes a predetermined communication channel with a point terminal (or account) establishment server 700 through the interface unit 705. When connected, the terminal device inputs (or selects) predetermined point account (or account) application information to the point device (or account) opening server 700 to provide the composite point operating product. An interface providing unit 710 for generating (or extracting) one or more user interfaces and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 705; When the point account (or account) application information is input (or selected) through a user interface and transmitted, the point account (or account) is transmitted to the terminal device in association with the interface unit 705. It characterized in that it comprises an information receiving unit 715 for receiving the point account (or account) application information transmitted from.

The interface providing unit 710 opens the point account (or account) after the terminal device connects a predetermined communication channel with the point account (or account) establishment server 700 through the interface unit 705. When requesting a user interface for providing the composite point operating product to the server 700, the terminal device inputs (or selects) predetermined point account (or account) application information, and the point account (or Account) create at least one user interface to be transmitted to the establishment server 700, or extract from a predetermined database (not shown), and in conjunction with the interface unit 705 to generate the generated (or extracted) user interface And providing to the terminal apparatus through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined predetermined user interface and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 710 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

According to another embodiment of the present invention, the terminal device inputs (or selects) predetermined point account (or account) application information to the point account (or account) opening server 700 through the network means. When a predetermined information registration program having at least one user interface is provided, the predetermined point account (or account) application information is input (or selected) as described above to open the point account (or account) server 700. The interface providing unit 710 for generating (or extracting) a user interface for transmitting to the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the user interface. The point (or account) application information inputted (or selected) is transmitted to the point account (or account) opening server 700 through the network means. The point account (or account) application information transmitted from the terminal device in connection with the interface unit 705 is received.

According to an embodiment of the present invention, the terminal device may include the point account (or account) application information including at least one or more of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information. Or) an OTP code generated through a predetermined password or security card information or a predetermined one time password (OTP) generator for verifying the validity of the point account (or account) application information in the opening server 700. It is preferable to further include at least one or more to transmit to the point account (or account) establishment server 700 through the network means.

According to an embodiment of the present invention, the terminal device encrypts at least one or more point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information. A method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.), or a predetermined electronic message in the point account (or account) application information. It is preferable to attach the signature to the point account (or account) establishment server 700 via the network means, and for this purpose, the terminal apparatus includes at least one encryption key corresponding to the encryption scheme, or Have a predetermined public certificate including at least one encryption key, or To be provided with a certificate private seal the case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

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

Referring to FIG. 7, when the point account (or account) establishment server 700 receives the point account (or account) application information transmitted from the terminal device through the information receiving unit 715, the received point It is characterized in that the account (or account) is provided with a validity verification unit 720 to confirm whether the application information satisfies the validity for providing the composite point operating product.

According to an embodiment of the present invention, the point account (or account) application information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key exchange based) When encrypted with an encryption method, the validity verification unit 720 may determine at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. It is preferable to authenticate the validity of the received point account (or account) application information by decrypting using a public key based decryption method, an electronic envelope based decryption method, or a key exchange based decryption method.

Alternatively, when a predetermined electronic signature is attached to the point account (or account) application information, the validity checking unit 720 checks the electronic signature attached to the point account (or account) application information, thereby receiving the received electronic signature. It is desirable to verify the validity of the point account (or account) application information.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted point account (or account) application information, and attached to the point account (or account) application information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the point account (or account) application information is further included in the point account (or account) application information received through the information receiving unit 715. In this case, the validity verification unit 720 compares and authenticates the password included in the point account (or account) application information and the password provided corresponding to the customer on the DBMS, thereby verifying the received point account (or Account) It is desirable to verify the validity of the application information.

Alternatively, when the point account (or account) application information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the point account (or account) application information. The validity verification unit 720 compares and authenticates the security card information included in the point account (or account) application information and the security card information provided corresponding to the customer on the DBMS, thereby verifying the received point account ( Or account) It is desirable to verify the validity of the application information.

Alternatively, when the point account (or account) application information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the point account (or account) application information, the validity The verification unit 720 compares and authenticates the OTP code included in the point account (or account) application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Preferably, the validity of the received point account (or account) application information is authenticated.

Referring to FIG. 7, the point account (or account) establishment server 700 includes the point account (or account) application information received through the information receiving unit 715 through the validity checking unit 720. When the validity for providing the operating product is authenticated, the point is based on the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the validity-certified point account (or account) application information. An information generation unit 725 for generating account (or account) information and an account (or account) establishment unit for opening and processing a point account (or account) of the customer's name including the point account (or account) information ( It is characterized in that it comprises a 730.

When the validity of the point account (or account) application information is confirmed by the validity confirmation unit 720, the information generation unit 725 is the customer information included in the point account (or account) application information, customer agreement The point account (or account) information is generated based on the information, account (or account) attribute information, and affiliate selection information.

The account (or account) opening unit 730 generates a customer ledger including customer information included in the application for point account (or account) opening in connection with the financial system (or is matched with the customer information and is provided with Check the customer ledger), generate predetermined account (or account) ledger information including the point account (or account) information, and then transfer the account to a predetermined account (or account) ledger associated with the customer ledger. By storing the ledger information (or account), a predetermined point account (or account) for providing the composite point operating product is opened in response to the point account (or account) application information.

According to an embodiment of the present invention, when the point account (or account) opening server 700 and the financial system exist in the same system, the account (or account) opening unit 730 may be linked with the financial system. It is preferable to generate a predetermined account (or account) ledger including the point account (or account) information in the ledger D / B.

According to another embodiment of the present invention, when the point account (or account) establishment server 700 and the financial system exist on another system connected through a predetermined communication means, the account (or account) establishment unit ( 730 requests to create a predetermined account (or account) ledger containing the point account (or account) information in the ledger D / B on the other financial system via an external system on the financial system through a predetermined communication means. It is desirable to.

Referring to FIG. 7, the point account (or account) establishment server 700 includes the point account (or account) application information received through the information receiving unit 715 through the validity checking unit 720. When the validity for providing the operating product is authenticated, the validity information includes at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information that has been validated. And an information storage unit 735 for storing the point operation information to a predetermined storage medium.

When the validity of the point account (or account) application information is confirmed by the validity verification unit 720, the information storage unit 735 is the customer information and the customer included in the point account (or account) application information Point operation information including at least one agreement information, account (or account) attribute information, affiliate selection information is stored in the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the point account (or account) opening server 700 or on the network associated with the point account (or account) opening server 700, The information storage unit 735 includes a point operation including at least one of the customer information and customer consent information, account (or account) attribute information, and affiliate selection information included in the received point account (or account) application information. Preferably, the information is stored in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 735 is the customer information included in the received point account (or account) application information And point operation information including at least one or more of customer consent information, account (or account) attribute information, and affiliate selection information, as an information system through an external system on the financial system, and storing the point operation information in a DBMS provided on the financial system. Do.

8 is a diagram illustrating an implementation method in which a storage medium for storing point operation information corresponding to a point account (or account) opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates the ledger information provided in the ledger D / B when the storage medium illustrated in FIG. 7 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The configuration of an information on an embodiment of the method for storing the point operation information in FIG. 1, if one of ordinary skill in the art to which the present invention pertains, refer to or modify the drawing of FIG. Various information construction methods for storing point operation information may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 8 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and the point shown in Figure 7 The account (or account) ledger corresponding to the point account (or account) opened through the account (or account) opening system and at least one information associated with the account (or account) ledger is shown. If one of ordinary skill in the art belongs to the ledger D / B provided in the DBMS on the financial system, at least one ledger (for example, in addition to the customer ledger and account (or account) ledger shown in Figure 8) Obviously include at least one additional information for maintaining and managing the ledger, loan ledger, mortgage ledger, ..., etc.) And, since you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

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

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

In addition, the account (or account) ledger is relationally linked to the customer ledger, and as a ledger corresponding to the point account (or account), account (or account) number (or securities number), CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date It includes at least one final payment amount, final payment amount, unpaid number of transactions, interest rate account (or account), consolidation, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic received information including at least one or more of an account (or account) number, abstention (month), period (days), period extension, expiration date and target amount corresponding to the account (or account) ledger, or the account (or account) In ledger Trust receipt information including at least one corresponding account (or account) number, amount of trust, par value, pension date and number of shares, or account (or account) number, transaction number corresponding to the account (or account) ledger It includes transaction history information including at least one of a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, a batch number, a compound transaction, a date of settlement, a bank account line, a summary, and a CIF. .

According to an exemplary embodiment of the present invention, the storage medium is the ledger D / B, or the present invention including the implementation method provided in the ledger D / B. Referring to FIG. 8, the point account shown in FIG. Account) Point operation information including at least one or more of the customer information, customer consent information, account (or account) attribute information, affiliate selection information included in the point account (or account) application information provided through the establishment system (the account) Or an account) is stored in the form of additional information added to the ledger.

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

According to another embodiment of the present invention, the point account (or account) application information is stored in the form of information included in the account (or account) ledger (not shown), or other than the account (or account) ledger It may be stored in the form of additional information added to another ledger (for example, the customer ledger), or in a separate and independent ledger form other than the account (or account) ledger, whereby the present invention is not limited thereto.

9 is a storage medium for storing point operation information corresponding to a point account (or an account) opened in a non-face-to-face manner according to another embodiment of the present invention, associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

In more detail, FIG. 9 illustrates an information structure for an embodiment in which the storage medium illustrated in FIG. 7 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. Those skilled in the art to which the present invention pertains can refer to or modify this figure, or refer to and modify the various information configurations for storing the point operation information in a predetermined database in association with the ledger D / B. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 9, when it is not easy to store the point operation information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the point operation information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 9 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium includes a database linked to the ledger D / B provided in the DBMS on the financial system, referring to Figure 9, the database is the point account (or account) application information And store point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and partner selection information included in the point information. The point operation information is stored in the ledger D / B. In order to be cooperatively processed, the point management information may further include a CIF number corresponding to the ledger information.

FIG. 10 illustrates an implementation method including a DBMS having a storage medium storing point operation information corresponding to a point account (or an account) opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

In more detail, in FIG. 10, the storage medium shown in FIG. 7 is provided in a DBMS provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As to one embodiment, those skilled in the art to which the present invention pertains, the point operation information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 10 Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium includes a DBMS provided in a banking server. Referring to FIG. 10, a predetermined DBMS provided in the banking server is the point account (or account) application information. Point operation information including at least one or more of the customer information and customer consent information, account (or account) attribute information, affiliate selection information included in the.

11A and 11B illustrate a process of opening a point account (or account) for providing a composite point operating product in a non-face-to-face manner according to one embodiment of the present invention.

11A and 11B show the terminal device on the point account (or account) opening system shown in FIG. 7 as a client terminal, and the point account (or account) opening server 700 uses a predetermined network means. In the case where the client terminal has a web server function accessible through the client terminal, the customer information, customer consent information, and account through the client terminal to establish a point account (or account) for providing a multi-point operating product for a given customer (Or an account) When providing the point account (or account) application information including at least one attribute information, affiliate selection information, the customer account information, customer consent information, account (or account) in the point account (or account) opening system 7) The return based on the point account (or account) application information including at least one attribute information, affiliate selection information. An embodiment of the present invention relates to a method of opening and processing the point account (or account) for providing a sum point operating product. Those skilled in the art to which the present invention pertains may refer to or modify the drawings 11a and 11b. Various implementation methods for registering the point account (or account) application information from the client terminal to the point account (or account) establishment server 700 may be inferred, but the present invention includes all the implementation methods inferred. The present invention is not limited to the implementation method shown in FIGS. 11A and 11B.

11A and 11B, the point account (or account) establishment server 700 has a user interface for the client terminal to input (or select) the point account (or account) application information. Although illustrated as being provided through a predetermined web page to be provided, when a predetermined information registration program is provided in the client terminal, the user interface does not need to be provided from the point account (or account) opening server 700. The present invention is not limited thereto.

Hereinafter, in FIG. 11A and FIG. 11B, the client terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the point account (or account) establishment server 700 shown in FIG. 7 is referred to as "server" for convenience. For convenience, the client information, customer consent information, account (or account) attribute information, and partner selection information transmitted from the client terminal to the point account (or account) establishment server 700 are referred to as "point account (or account) application information. "

11A and 11B, when the client terminal illustrated in FIG. 7 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc. to access the server to connect a predetermined communication channel, and to provide the composite point operating product When requesting a web page including a user interface (1100), the server correspondingly includes a point account (or account) including at least one of the customer information, customer consent information, account (or account) attribute information, affiliate selection information ) Generating (or extracting) a web page including a user interface for inputting (or selecting) application information and transmitting it to the server. In operation 1110, a web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output.

According to the method of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure of registering the point account (or account) application information, whereby the present invention It is not limited.

Thereafter, the terminal inputs (or accounts) application information including at least one or more customer information, customer consent information, account (or account) attribute information, and affiliate selection information through a user interface included in the web page (or 1115).

If the terminal inputs (or selects) the point account (or account) application information including the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the user interface (1120), The terminal transmits the input (or selected) customer information, customer consent information, account (or account) attribute information, and affiliate selection information to the server through the communication channel (1125).

According to an embodiment of the present invention, the terminal includes the customer information, customer consent information, account (or account) attribute information, affiliate selection information including at least one or more point account (or account) application information including the point in the server The network means further includes at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the account (or account) application information. It is preferable to transmit to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method including point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information. (E.g., a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) or a predetermined electronic signature in the point account (or account) application information. It is preferable to transmit to the server through the network means attached to this, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate containing at least one encryption key. Equipped with a predetermined IC chip (or IC card) or If bidoen is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method including point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information. (E.g., a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) and transmits the encrypted data to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) If provided, a card for confirming the official certificate provided in the IC chip (or IC card) It is preferable that a leader is provided.

Thereafter, the server confirms the validity of the point account (or account) application information by receiving and reading the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the communication channel. (1130).

According to an embodiment of the present invention, the point account (or account) application information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key exchange based) When encrypted with an encryption method), the server converts the encrypted point account (or account) application information into at least one decryption method (eg, symmetric key based decryption method or public key based decryption method) corresponding to the encryption method. , Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc., to validate the validity of the received point account (or account) application information.

Alternatively, when a predetermined electronic signature is attached to the point account (or account) application information, the server checks the electronic signature attached to the point account (or account) application information, thereby receiving the received point account (or account). It is desirable to verify the validity of the application information.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the point account (or account) application information is further included in the point account (or account) application information received through the information receiving unit 715. In this case, the server compares and authenticates the received password included in the point account (or account) application information with the password provided corresponding to the customer on the DBMS, and thus, the received point account (or account) application information. It is desirable to authenticate validity.

Alternatively, when the point account (or account) application information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the point account (or account) application information. The server compares and authenticates the received security card information included in the point account (or account) application information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point account (or account) application information. It is desirable to authenticate the validity of the.

Alternatively, when the point account (or account) application information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the point account (or account) application information, the server The OTP code included in the point account (or account) application information is compared with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to verify the validity of the point account (or account) application information.

If the validity of the point account (or account) application information is not authenticated (1135), the server generates a web page including predetermined point account (or account) error information and transmits it to the terminal (1140). However, the procedure for opening the point account (or account) is not performed.

On the other hand, if the validity of the point account (or account) application information is authenticated (1135), the server includes the customer information, customer consent information, account (or account) attribute information, included in the point account (or account) application information, The point account (or account) information is generated based on affiliate selection information (1145).

Thereafter, the server is linked with the financial system based on the customer information, customer consent information, account (or account) attribute information, affiliate selection information included in the point account (or account) application information, the point account (or A point account (or account) of the customer's name including the account information is opened (1150).

Thereafter, the server generates point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information. Store in a storage medium (1155)

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the server includes the customer information and customer consent information included in the received point account (or account) application information, Point operation information including at least one of account (or account) attribute information and affiliate selection information may be provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server stores predetermined point account (or account) establishment history information (for example, the point account (or account) establishment history, or details of storing the point account (or account) application information in the storage medium). Generated (or extracted) and transmitted to the terminal (1160).

12A, 12B, and 12C are diagrams illustrating a process of opening a point account (or account) for providing a compound point operating product according to an exemplary embodiment of the present invention.

12a, 12b, and 12c, the point account (or account) opening system shown in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., in FIG. 7). In the point account (or account) opening server 700 on the point account (or account) opening system shown in the drawing, the client terminal is connected to a TCP / IP based network (eg, the Internet). After accessing the internet banking server and performing a predetermined customer authentication procedure, the client terminal receives information on application of predetermined point account (or account) in order to open a point account (or account) for providing the composite point operating product. When sent to the Internet banking server, the customer information, customer consent information, account (or account) attribute information, affiliate selection selection from the Internet banking server An embodiment of the present invention relates to a method of opening and processing the point account (or account) for providing the composite point operating product based on the point account (or account) application information including at least one. Those skilled in the art can infer various implementation methods for registering the point account (or account) application information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawings 12a, 12b, and 12c. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 12A, 12B, and 12C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 12A, 12B, and 12C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a point account (or account) application information between the client terminal and the internet banking server based on a program is illustrated, general knowledge in the technical field to which the present invention pertains is shown. For example, the client terminal is based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 12a, 12b, and 12c. And the internet Although it may be possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for registering point account (or account) application information between king servers, the present invention provides Internet banking-based finance provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 12a, 12b and 12c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for registration of point account (or account) application information. It includes all types of non-face-to-face channel based financial transactions, including banking systems or wireless banking systems or TV banking systems or future non-face-to-channel banking systems, and the technical constructions of the present invention are shown in Figures 12a, 12b and 12c. It is by no means limited to the case of Internet banking shown in.

In addition, although the embodiment shown in FIGS. 12A, 12B, and 12C includes a process of generating the predetermined electronic document and storing it in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

12A, 12B, and 12C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the point account (or account) establishment server 700 is referred to as " server "

12A, 12B, and 12C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1200a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1205a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1210a).

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

If a predetermined security module is mounted or updated in the terminal (1215a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1220a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1225a), or if the terminal does not need to load or update the Internet banking security module (1215a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1230a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding method (or decryption algorithm), and information (or information) to be provided to the server for registration of point account (or account) application information in the terminal. Data is attached to the digital signature, or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server confirms the digital signature or a predetermined function corresponding to the encryption method (or encryption algorithm). A communication channel for decoding the information (or data) by a decoding method (or a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the point account (or account) application information in the terminal. Attach a predetermined digital signature or at least one cancer When encrypted and transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

According to the present invention, the security module is performed by including at least one or more of the electronic signature attachment, encryption, or protection function for the information (or data) by using the authentication certificate of the customer mounted in the terminal. It is characterized by.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1235a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1240a) The server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1245a).

If the Internet banking customer authentication fails (1250a), the server blocks the Internet banking security channel for the terminal (1255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1250a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1260a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined point account (or account) application information for providing a composite point operating product from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for providing the composite point operating product to the server through an internet banking-based financial transaction channel (1200b), the server responds to the customer information and customer agreement. Generate a web page including a user interface for inputting (or selecting) point account (or account) application information including at least one of information, account (or account) attribute information, and affiliate selection information to the server; (Or extract) 1205b, and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1210b).

According to an embodiment of the present invention, the web page inputs point account (or account) application information including at least one of customer information, customer consent information, account (or account) attribute information, and affiliate selection information in the terminal ( Or optional user interface), or predetermined password or security card information (eg, the Internet) to verify the validity of the Internet banking customer requesting to register the point account (or account) application information. The security card information printed on the security card issued to the customer during the banking application process, or the OTP (One Time Password) (for example, the Internet banking application process (or after an internet banking application). It further includes a user interface for entering a one-time password generated by the OTP authentication program) It is desirable.

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

Thereafter, the terminal inputs point account (or account) application information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the point account (or account) establishment interface. (Or select) 1215b.

If the terminal inputs (or selects) point account (or account) application information including the customer information, customer consent information, account (or account) attribute information, and affiliate selection information through the user interface (1220b), The terminal transmits the input (or selected) point account (or account) application information to the server through the financial transaction channel (1225b).

Thereafter, the server receives and reads the point account (or account) application information through the financial transaction channel to check the validity of the point account (or account) application information (1230b).

Or, if a predetermined electronic signature is attached to the point account (or account) application information, the server checks the electronic signature attached to the point account (or account) application information, thereby receiving the received point account (or account) It is desirable to verify the validity of the application information.

Alternatively, when the point account (or account) application information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the point account (or account) application information, the server The received point by comparing and authenticating the received OTP code included in the point account (or account) application information and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS, It is desirable to verify the validity of the account (or account) application information.

For example, the validity of the point account (or account) application information is the information contained in the point account (or account) application information, the customer information (customer personal information, member information, etc.) is the point account (or Accounting) It is desirable to include checking that it matches the customer ledger stored in the ledger D / B on the financial system linked to the opening system.

If the validity of the point account (or account) application information is not authenticated (1235b), the server generates a web page including predetermined point account (or account) error information and transmits it to the terminal (1240b). However, the procedure for opening the point account (or account) is not performed.

On the other hand, if the validity of the point account (or account) application information is authenticated (1235b), the server generates document content including the point account (or account) application information (1245b).

Thereafter, the server generates the point account (or account) information based on the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information ( 1200c).

Thereafter, the server is linked with the financial system based on the customer information, customer consent information, account (or account) attribute information, affiliate selection information included in the point account (or account) application information, the point account (or A point account (or account) of the customer's name including the account information is opened (1205c).

Thereafter, the server generates point operation information including at least one of the customer information, customer consent information, account (or account) attribute information, and affiliate selection information included in the point account (or account) application information. Store in a storage medium (1210c)

Thereafter, the server generates predetermined point account (or account) establishment history information (for example, the point account (or account) establishment history or details of storing the point account (or account) application information in the storage medium) ( Or extract) and transmit it to the terminal (1215c).

FIG. 13 is a diagram illustrating a point account (or account) operating system for operating a composite point earning account (or account) according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates a system configuration for operating a point account (or account) opened through the point account (or account) opening system shown in FIG. 2 based on the composite point information stored in the storage medium. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the point account (or account) operating system for operating the complex point account (or account) can be inferred by referring to or modifying the drawing 13. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the point account (or account) operating system corresponds to a point account (or account) opened through the point account (or account) opening system shown in FIG. A financial system equipped with a ledger, a storage medium for storing complex point information including at least one of the customer information and the summation point information, customer information necessary for the operation of the point account (or account), customer consent information, A storage medium that contains at least one account (or account) attribute information and affiliate selection information, and a management policy D that stores operation policy information such as interest and preferential interest rate application for a point account (or account). B and the point account (or account) in conjunction with the financial system, and periodically the composite point information stored in the storage medium It is characterized in that it comprises a point account (or account) operating server 1300 and the affiliated companies (e.g., telecommunications companies, card companies, etc.) to form a partnership with a financial institution to achieve the composite point operating product provision by checking .

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system. All are possible, and the present invention is not limited thereby.

In addition, the point account (or account) operating server 1300 is a ledger server provided in the financial system, or a financial company server on the point account (or account) opening system shown in the drawings, or in the drawings Various banking servers (e.g., an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the point account (or account) in connection with the illustrated financial system, or the composite point It may be a separate server provided to achieve the operation product provided, thereby the present invention is not limited.

In addition, in FIG. 13, the point account (or account) operation server 1300 functions to operate the point account (or account) in association with the financial system, and periodically the composite point information stored in the storage medium. Although it has been shown to include all of the functional configuration for operating the composite point account (or account) as confirmed, but by this the invention is not limited, the point account (or account) operating server 1300 is each function It is clear that the configuration may be performed through a separate server (or device).

The financial system is a general term of a computerized system in which a ledger corresponding to the point account (or account) opened through the point account (or account) opening system shown in FIG. 2 is provided. (Or a branch) is connected to at least one or more teller terminal and a predetermined financial network (for example, bank), and through the counter terminal face-to-face financial transactions for at least one financial transaction customer Provide service.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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

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

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

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

Referring to FIG. 13, the financial system opens at least one financial account (or account) to at least one financial transaction customer and provides at least one financial transaction service based on the financial account (or account). It is a computer system provided to financial institutions, which is responsible for handling accounting services such as credits, receiving or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless, etc.) provided in the information system for processing and interconnection between the financial system and at least one other financial system (or payment system). Banking, IC chip based wireless banking, tele banking, TV banking, etc.) System or an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, customer information, or management information) required for each function in a component in the financial system. Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account (or account) to at least one or more financial transaction customers, at least one based on the financial account (or account) And a ledger D / B for storing at least one ledger for providing the financial transaction service, wherein the ledger D / B includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. Add at least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

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

The storage medium is a generic term for storage means for storing composite point information including at least one of the customer information and the summation point information through the point account (or account) establishment system shown in FIG. 2, wherein the storage medium is According to the intention of the person skilled in the art, it may be provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B, or on at least one banking system.

The account (or account) attribute information may be a type of account (or account) opened by the customer's application (for example, a free withdrawal account (or account), a savings account (or account) or a cash account (or account), a point). Account (or account), and, in the case of a savings account (or account), at least one or more of the payment amount, maturity date, interest rate, and the like.

According to the method of the present invention, when the affiliate includes a carrier, the carrier periodically records the details of the points given to the customer according to the subscription or purchase or use of the communication product of the customer the point account (or account) ) Can be provided as a production server.

In addition, according to an embodiment of the present invention, when the affiliated company includes a card company, the card company by the customer's card (card issued by the card company) due to payment for the communication product subscription or purchase or use of the customer Details of the points granted to the user may be periodically provided to the point account (or account) management server.

The summation point information is preferably stored by adding up points (for example, points provided by a telecommunication company and points provided by a card company) accumulated in the server of the partner selected by the customer.

The account (or account) operation policy information is preferably stored in the interest rate and preferential interest rate policy, etc. according to the interest policy for the customer's point, the point account (or account) management unit 1305 with reference to the customer It is preferable to operate a point account (or an account).

Referring to FIG. 13, the point account (or account) operating server 1300 may include at least one point account (or account) opened through the point account (or account) opening system shown in FIG. 2. Inquiry about the operation of the point account (or account) from the customer terminal in connection with the interface unit 1315 connecting the customer terminal and the communication channel for the point account (or account) operation, and the interface unit 1315. Information receiving unit 1325 receiving at least one or more information (eg, the total amount of points, the date of payment of points, the date of earning points, etc.) or usage information (eg, transfer of points, earn points, etc.) for the point account (or account) ), And receiving at least one inquiry information on the operation of the received point account (or account) or usage information on the point account (or account), And a point account (or account) operating unit 1305 which transmits information on the inquiry information received in connection with the financial system to the customer terminal or performs a processing procedure on the received usage information. According to the intention of the skilled person, the point account (or account) operation unit 1305 may be composed of at least two or more functional components (or means) in more detail, by which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the interface unit 1315 may be connected to the employee terminal based on the protocol stack defined in the communication network. Connecting a predetermined communication channel and transmitting and receiving at least one information (or data) for operating the point account (or account) with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 1315 is based on the protocol stack defined in the wired communication network. A communication channel that connects a communication channel and transmits and receives at least one information (or data) for operating the point account (or account) with the wired terminal using a communication protocol defined in a financial transaction program provided in the customer terminal. It is desirable to provide an interface.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1315 connects a communication channel with the customer terminal based on the TCP / IP protocol. Communication for transmitting and receiving a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the point account (or account) using the HTTP protocol defined in the browser program. Provide an interface.

Alternatively, when the customer terminal is provided with a predetermined financial transaction program directly interworking with the point account (or account) operating server 1300, the interface unit 1315 is based on the TCP / IP protocol. And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the point account (or account) using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1315 is based on the protocol stack defined in the wireless communication network. It provides a communication interface connecting a predetermined communication channel and transmitting and receiving at least one or more information (or data) for operating the point account (or account) using a communication protocol defined in the financial transaction program provided in the customer terminal. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1315 communicates with the customer terminal based on the CDMA / WCDMA protocol. A web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) for operating the point account (or account) using the WAP / ME protocol defined in the browser program. Or it provides an interface for transmitting and receiving information (or data).

Alternatively, when the customer terminal is provided with a predetermined financial transaction program directly interworking with the point account (or account) operating server 1300, the interface unit 1315 is based on the CDMA / WCDMA protocol. And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the point account (or account) using a communication protocol defined in the financial transaction program.

Referring to FIG. 13, the point account (or account) operation server 1300 may include at least one point including customer information, customer consent information, account (or account) attribute information, affiliate selection information, and the like from the storage medium. Based on the information verification unit 1320 and the account information (or account) application information confirmed from the information receiving unit 1325 for confirming the account (or account) application information, each affiliate company (for example, a telecommunication company in association with the affiliate server) A point checker 1310 for confirming the points of the customer accumulated in the card company, an information storage unit 1335 for storing the points of the customer identified from the point checker 1310 in the storage medium; Information necessary to inquire about the operation of the point account (or account) from the client terminal in connection with the interface unit 1315 (for example, the total point amount, the point payment date, the point accumulation date, etc.) Is an information receiving unit 1325 receiving at least one or more usage information (eg, point transfer, point accumulation, etc.) for a point account (or account), and inquiry information for operating the received point account (or account) Or receiving at least one usage information of a point account (or an account), and transmitting information on the inquiry information received in connection with the financial system to the customer terminal, or performing a processing procedure on the received usage information. Point information (or account) management unit 1305 and the information to transmit at least one or more processing results for the inquiry information or the use information from the point account (or account) operation unit 1305 It is characterized by consisting of a study (1330).

The information checking unit 1320 may store customer information stored in the storage medium, customer consent information, account (or account) attribute information, and partner selection information stored from the point account (or account) opening system shown in FIG. 2. Characterized by checking the point account (or account) application information including at least one or more, it is preferable that the confirmed point account (or account) application information is provided to the point verification unit 1310.

The point checking unit 1310 is the customer accumulated in each affiliate (for example, telecommunications company, card company, etc.) in connection with each of the affiliate server based on the point account (or account) application information confirmed from the information receiving unit 1325 It is characterized in that the point of confirmation, the confirmed customer point information is preferably provided to the information storage unit 1335.

According to the method of the present invention, the point checking unit 1310 provides the customer information in which the point account (or account) is opened to the affiliate server, requests the details of the points provided to the customer, and the affiliate company. And receiving the customer point details from a server.

The information storage unit 1335 sums the points of the customer identified from the point checking unit 1310 and stores the points in the storage medium.

The information receiving unit 1325 may be connected to the interface unit 1315 to provide information (eg, total point amount, point payment date, point accumulation date, etc.) or point account required for inquiry of the point account (or account) operation from the customer terminal. (Or an account) and the use information (for example, point transfer, point earning, etc.) is characterized in that it comprises at least one.

The point account (or account) management unit 1305 receives at least one or more inquiry information on the operation of the received point account (or account) or usage information on the point account (or account) and associates with the financial system. It is characterized in that for transmitting the information on the received inquiry information to the customer terminal, or performing the processing procedure for the received usage information.

In accordance with an embodiment of the present invention, the deposit transaction request information (for example, a predetermined deposit transaction amount and a withdrawal account (or account) in which the deposit amount is withdrawn in the point account (or account) usage information. Information), the point account (or account) management unit 1305 is a deposit transaction for the point account (or account) in connection with the financial system based on the point account (or account) usage information It is preferable to carry out the procedure, and it is preferable to record the deposit transaction details in the ledger corresponding to the point account (or account).

Withdrawal transaction request information for the point account (or account) in the point account (or account) using information according to another embodiment of the present invention (for example, withdrawal from a predetermined withdrawal transaction amount and the point account (or account) In the case where the deposit amount (or account) information is deposited, the point account (or account) management unit 1305 is connected to the financial system based on the point account (or account) usage information. It is preferable to perform a withdrawal transaction (or transfer transaction) procedure for the point account (or account), and it is preferable to record the withdrawal transaction details in the ledger corresponding to the point account (or account).

Those skilled in the art to which the present invention pertains, since they will be familiar with how to calculate the rate of return corresponding to the proceeds, detailed description thereof will be omitted for convenience.

In addition, the point account (or account) management unit 1305 periodically checks the amount deposited in the point account (or account), and according to the interest rate (or rate of return) corresponding to the point account (or account) Calculate the interest (or proceeds) for the deposit amount, deposit the calculated interest (or proceeds) into the point account (or account), and record the interest (or proceeds) deposit details on the point account (or account). It is desirable to record in the ledger corresponding to

14 is a diagram illustrating a point account (or account) operating system for operating a composite point earning account (or account) according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates a point account (or account) opened through the point account (or account) opening system shown in FIG. 2 based on the composite point information stored in the storage medium. Regarding the process of operating the compound point account (or account) through an account (or account) operating system, those of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 14 Various implementation methods for the point account (or account) operation process can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. No.

In FIG. 14, the point account (or account) operating server shown in FIG. 13 will be described as "server" for convenience.

Referring to FIG. 14, the server transmits customer information for opening the point account (or account) to each affiliated company corresponding to the composite point earning account (or account) opened by the customer and requests the customer's point details (1400). ).

According to an embodiment of the present invention, when the affiliated company is a telecommunication company, the server transmits the customer information to the telecommunication company servo, and details of points given to the customer according to the subscription or purchase or use of the communication product of the customer. You can request

In addition, according to an embodiment of the present invention, when the affiliated company is a card company, the server transmits the customer information to the card company server to join or purchase the communication product with the card of the customer (card issued by the card company) or It is possible to request a breakdown of points awarded to the customer due to payment for use.

Thereafter, when the point details of the customer are received from the affiliates in the server (1405), the server checks the customer point account (or account) information opened in correspondence with the customer information (1410).

In operation 1415, the server accumulates points corresponding to the received point details in the confirmed customer point account (or account).

When the points provided from the respective affiliates are successfully accumulated in the customer point account (or account) (1420), the server transmits the point accumulation details to the customer terminal and the affiliate server (1425).

According to the present invention, by providing a method and system for operating a customer point earning account (or account) through a partnership between a carrier and a card company and a bank (or securities company), the use of points integrated for the customer to use each point provided by various affiliates There is an advantage that can be prepared.

In addition, it is possible to develop a financial product that combines the points of several affiliates by accumulating the integration points of affiliates as a principal.

Claims

In a method of operating a customer point earning account (or account) through a telecommunication company, a card company and a bank (or securities company),

If a telecommunication company provides points according to the customer's purchase or use of telecommunications products, accumulating the points provided by the telecommunication company to a point account (or account) in the name of the customer; And

When the customer processes the payment according to the use of the carrier product with the card issued by the card company, when the card company provides the points according to the use of the customer's card, the card company provides the points to the account (or account) in the customer's name. A method for operating an affiliate composite point earning account (or account) comprising a; earning one point.

The method of claim 1,

Comprising a point earned by the bank (or securities company) in accordance with the point earning account (or account) of the customer's name points earning account (or account) of the partner composite point earning account further comprises (Or Account) How it works.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

In the customer point earning account (or account) operating system through a telecommunication company, card company and bank (or securities company) alliance,

Means for accumulating points according to a customer's purchase or use of a telecommunications product provided by a telecommunication company to a point account (or account) in a customer's name; And

A means for accumulating points according to the use of the card of the customer provided by the card company-payment processing according to the use of the carrier product-to a point earning account (or account) in the name of the customer; Account (or account) operating system.