KR20090019033A - System and method for difference computing of loan interest classified by banking channel and program recording medium - Google Patents

Abstract

A method and a system for differentially calculating the interest on a loan according to a banking channel in order to raise an intranet banking utility ratio, and a recording medium therefor are provided to confirm interest application convention information with enterprise and calculate the credit loan interest of a client corresponding to the confirmed interest application convention information. A server receives application information about the online credit loan of a client. The server confirms the banking access channel of the client which transmits the credit loan application information. In case the banking access channel is the internet banking channel of enterprise, not a general internet banking channel, the server confirms interest application convention information with the enterprise. The server calculates the credit loan interest of the client corresponding to the confirmed interest application convention information.

Description

System and Method for Difference Computing of Loan Interest Classified by Banking Channel and Program Recording Medium}

1 is a diagram illustrating a system of agreement information registration in a face-to-face manner for credit loans to employees of an intranet banking company according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering interest rate application agreement information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face agreement information registration system for credit loans of intranet banking companies according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering interest rate application agreement information in a non-face-to-face manner for credit loans to employees of an intranet banking company according to an exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering interest rate application agreement information in a non-face-to-face manner for intranet banking corporate employee loans according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating an intranet banking system for calculating a loan rate of a corporate employee corresponding to interest rate application agreement information according to an embodiment of the present invention.

7 is a diagram illustrating an intranet member authentication process for non-face-to-face banking using employee information according to an embodiment of the present invention.

8 is a diagram illustrating an employee certification process for non-face-to-face banking using employee information according to another embodiment of the present invention.

9 is a diagram illustrating a loan processing process through interest rate information calculated in response to interest rate application agreement information according to an embodiment of the present invention.

<Description of main parts of drawing>

600: intranet server 605: banking operation

610: employee certification unit 615: intranet operation unit

620: intranet banking server 625: interface unit

630: information receiving unit 635: customer authentication unit

640: information verification unit 645: interest rate calculation

650: loan processing unit 655: banking processing unit

660: ledger processing unit 665, 130: storage medium

670: employee terminal 675: intranet banking module

The present invention relates to a method and system for applying a specialized loan rate to corporate employees using intranet banking. Characterized by determining the content reflected.

Recently, financial institutions provide corporate banking services for corporate customers and employees who work for the company.

This corporate banking service adds banking functions to the basic functions of the intranet (e.g., e-mail, e-payment, schedule management, messenger, etc.), so that corporate employees can access various financial services (e.g., remittance, account inquiry) Etc.).

However, banking services provided by various financial institutions are difficult to attract corporate customers unless they include specialized and differentiated services.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is a means for receiving online credit loan application information of a customer, a means for checking a banking access channel of a customer who has transmitted the credit loan application information, and as a result of the checking, the banking When the access channel is an intranet banking channel of a company other than a general Internet banking channel, the credit loan rate of the customer is calculated in response to the means for confirming the interest rate application agreement information with the company and the confirmed interest rate application agreement information. The present invention provides a system for calculating a loan rate differential for each banking channel including a means.

According to the present invention, there is provided a method for calculating a loan rate differential for each banking channel, the method comprising: receiving an online credit loan application information of a customer at a server, checking a banking access channel of a customer who has transmitted the credit loan application information at a server; As a result of the checking, when the banking access channel is an intranet banking channel of a company other than a general internet banking channel, the server checks the interest rate application agreement information with the company, and the server corresponds to the confirmed interest rate application agreement information. To calculate the credit loan interest rate of the customer characterized in that it comprises a.

According to the present invention, the interest rate application agreement information, the special interest rate agreement information that is differentially applied to each company, the company guarantee agreement information to guarantee a certain portion of the credit loan of the employee in the company, the credit of the employee in the company Characterized in that it comprises at least one or more collateral provision agreement information for providing collateral for a certain portion of the loan.

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 banking channel differential rate calculation method.

On the other hand, the loan rate differential calculation system for each banking channel according to the present invention, means for receiving the online credit loan application information of the customer, means for confirming the banking access channel of the customer that has sent the credit loan application information, and the confirmation As a result, when the banking access channel is an intranet banking channel of a company other than a general internet banking channel, a means for confirming interest rate application agreement information with the enterprise and credit loan of the customer in response to the confirmed interest rate application agreement information. It comprises a means for calculating the interest rate.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a system of agreement information registration in a face-to-face manner for credit loans to employees of an intranet banking company according to an exemplary embodiment of the present invention.

In more detail, Figure 1 shows a corporate customer performing an intranet banking business with a predetermined financial institution, through a predetermined information registration interface, through a predetermined information registration interface, a special interest rate agreement information and corporate guarantee agreement for credit loans of employees of the intranet banking company. If the interest rate application agreement information including at least one information, collateral provision agreement information is provided, the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information contained in the interest rate application agreement information provided in the agreement information registration system To a system configuration for storing the information in a predetermined storage medium 130 in association with the company information and corporate employee information, if one of ordinary skill in the art to which the present invention pertains, reference or modification Of agreement information registration system for credit loans to employees of intranet banking companies Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing interest rate application agreement information provided from the corporate customer through the predetermined information registration interface in the storage medium 130 on the agreement information registration system shown in FIG. The component to be referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the agreement information registration system for credit loans to employees of an intranet banking company may include information including a counter terminal provided in at least one financial institution branch (or a branch or a main branch). Characterized in that it comprises a registration terminal, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the agreement information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the corporate customer visits the financial institution branch (or branch or main branch) for the credit of the intranet banking company employee, and the window provided at the financial institution branch (or branch or main branch). Complete a prescribed application (e.g., a document with a form for filling in at least one information item for intranet banking company employee credit loans) through (or through a teller), When the completed application is submitted to the teller, the teller enters (or selects) information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the financial network. It is preferable to transmit to the information registration server 100 provided on the agreement information registration system through.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch (or branch or main office) of the financial institution, and the information registration server 100 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 100 is a branch network connecting the communication channel between the teller terminal and the information registration server 100. It is preferable to comprise a.

In the agreement information registration system as described above, an application prepared by the corporate customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100 are provided by the corporate customer. It functions as an information registration interface for registering interest rate application agreement information for banking company employees' credit loans.

The storage medium 130 provided on the convention information registration system according to the present invention includes the special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information included in the interest rate application agreement information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 130 by processing in conjunction with the corporate information and corporate employee information, the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information stored in the storage medium 130 Interest rate application agreement information including at least one is used to calculate the interest rate for credit loans of the intranet banking companies.

Preferably, the special interest rate agreement information includes an agreement between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, by guaranteeing a part of the credit loan of the corporate employee, the company can lower the loan interest rate of the employee.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, by providing a collateral for a certain portion of the credit loan of the corporate employee, the loan rate of the employee can be lowered.

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

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

The information registration server 100 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system side components connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 105 communicates 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 connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined interest rate application agreement information from the information registration terminal in association with the information registration terminal; An information receiving unit 115 for receiving predetermined interest rate application agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received interest rate application agreement information. Validation unit 120 for confirming the validity, and the special interest rate agreement information, corporate guarantee agreement information, collateral included in the interest rate application agreement information confirmed validity A service agreement information processing associated with the company information and corporate employee information, characterized in that formed in an information storage unit 125 to store in a storage medium 130.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) interest rate application agreement information and transmit it to the information registration server 100 through the financial network, or extract from a predetermined database (not shown), and the interface unit In operation 105, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, a predetermined type having a user interface for inputting (or selecting) the interest rate application agreement information to the information registration terminal and transmitting the information to the information registration server 100 through the financial network. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) interest rate application agreement information including at least one of the special interest rate agreement information, the corporate guarantee agreement information, and the collateral provision agreement information based on the user interface, and the input (or The interest rate application agreement information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) interest rate application agreement information including at least one of special interest rate agreement information, company guarantee agreement information, and collateral provision agreement information through the user interface at the information registration terminal. When transmitting through a network, it is characterized in that receiving the interest rate application agreement information in conjunction with the interface unit 105, and provides the received interest rate application agreement information to the validity confirmation unit 120.

The validity confirming unit 120 checks whether the interest rate application agreement information received from the information registration terminal satisfies the validity for credit loans of intranet banking companies.

According to an embodiment of the present invention, the validity of the interest rate application agreement information is registered at least one or more ledger information matching the interest rate application agreement information in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include checking whether there is.

For example, the validity check of the interest rate application agreement information confirms whether the corporate customer information included in the interest rate application agreement information matches the corporate customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity check of the interest rate application agreement information confirms whether the corporate employee information included in the interest rate application agreement information matches the corporate employee ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable that it consists of including.

When the validity of the interest rate application agreement information is confirmed, the information storage unit 125 is a special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information contained in the interest rate application agreement information, the company information and corporate employee information And storing the data in the storage medium 130 in association with the storage medium 130. The storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. If so, the information storage unit 125 processes the special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information included in the received interest rate application agreement information in association with the company information and the company employee information and the storage medium. Preferably, the storage medium 130 is provided in the DBMS provided on the financial system, and the information storage unit 125 receives the interest rate application agreement. Special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information contained in the information is preferably provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

2 is a diagram illustrating a process of registering interest rate application agreement information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 is a case where the information registration server 100 on the convention information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In the above, the window terminal connects to the information registration server 100 and connects a communication channel for registering interest rate application agreement information according to the present invention, and then the special registration to the information registration server 100 through the communication channel. When the interest rate application agreement information including the interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information is transmitted, the special interest rate agreement information contained in the interest rate application agreement information received from the information registration server 100, corporate guarantee The present invention relates to an implementation method of storing agreement information and collateral providing agreement information in connection with the company information and company employee information in a predetermined storage medium 130. Those skilled in the art will be able to infer various implementation methods for registering the interest rate application agreement information with the information registration server 100 at the window terminal by referring to or modifying the present invention. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience, and the information registration in the window terminal will be described. The special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information transmitted to the server 100 are referred to as "interest rate application agreement information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the interest rate application agreement information, and credits an employee of the intranet banking company. When requesting registration of the interest rate application agreement information for 200, the server generates (or extracts) a predetermined information registration interface for registering the interest rate application agreement information (205), and generates the information through the communication channel. The data registration interface (or extracted) is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) interest rate application agreement information including at least one of the special interest rate agreement information, the company guarantee agreement information, and the security agreement information. It is preferable to comprise a.

Thereafter, the terminal inputs (or selects) interest rate application agreement information including at least one or more special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information through the information registration interface (215).

If the terminal inputs (or selects) interest rate application agreement information including the special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information through the information registration interface (220), the terminal establishes the financial network. The interest rate application agreement information including the input (or selected) special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information is transmitted to the server (225).

Thereafter, the server receives and reads the special interest rate agreement information, the corporate guarantee agreement information, and the security provision agreement information through the financial network to confirm the validity of the interest rate application agreement information (230).

According to an embodiment of the present invention, the validity of the interest rate application agreement information is registered at least one or more ledger information matching the interest rate application agreement information in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include checking whether there is.

For example, the validity check of the interest rate application agreement information confirms whether the corporate customer information included in the interest rate application agreement information matches the corporate customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity check of the interest rate application agreement information to confirm whether the corporate employee information included in the interest rate application agreement information matches the corporate employee ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

If the validity of the interest rate application agreement information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and performs an information registration procedure corresponding to the interest rate application agreement information. Do not perform.

On the other hand, if the validity of the interest rate application agreement information is authenticated (235), the server performs the information registration procedure corresponding to the interest rate application agreement information, thereby providing the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information Cooperative processing is performed to store in a predetermined storage medium 130 (245).

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

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

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the interest rate application agreement information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face agreement information registration system for credit loans of intranet banking companies according to another embodiment of the present invention.

In more detail, Figure 3 shows that a predetermined corporate customer (e.g., a corporate customer with a financial institution intranet banking service agreement, etc.) has a special information for credit loans to the intranet banking corporate employees through a predetermined information registration interface. When the interest rate application agreement information including at least one of interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information is provided, the special interest rate agreement information and corporate guarantee included in the interest rate application agreement information provided by the agreement information registration system. The system configuration for storing the agreement information, collateral provided agreement information in a predetermined storage medium 330, and those skilled in the art to which the present invention pertains, refer to or modify the present invention Diversification of the Agreement Information Registration System for Credit Loans for Intranet Banking Companies Would be able to infer the exemplary method, the present invention includes all embodiments in which the inference method, and which is not limited to the exemplary method shown in the figure 3.

Hereinafter, at least one means or function configuration for storing interest rate application agreement information provided from the corporate customer through the predetermined information registration interface in the storage medium 330 on the agreement information registration system shown in FIG. The component to be referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the agreement information registration system for credit loans of an intranet banking company employee may include at least one client terminal including at least one wired terminal or a wireless terminal used by a corporate customer. Characterized in that it comprises an information registration terminal including the above, the information registration terminal is connected to the communication channel and the information registration server 300 provided on the convention information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the corporate customer accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the interest rate application agreement information for the intranet banking company employee credit loan is input (or selected) through at least one user interface provided by the information registration server 300, the agreement information is provided through the predetermined network means at the client terminal. It is preferable to transmit to the information registration server 300 provided on the registration system.

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

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

In addition, the information registration server 300 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

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

In the agreement information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the enterprise customer, and at least one wired communication network connecting the client terminal and the information registration server 300 or The wireless communication network performs a function of an information registration interface for registering the interest rate application agreement information for the corporate customer credit loan of the intranet banking company.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and 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 convention information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server 300 The wired telephone network or the wireless telephone network to connect performs a function of an information registration interface for the corporate customer to register interest rate application agreement information for the credit of the intranet banking company employee, or is affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 is The corporate customer performs a function of an information registration interface for registering interest rate application agreement information for credit loans of the intranet banking company employees.

The storage medium 330 provided on the agreement information registration system according to the present invention includes the special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information included in the interest rate application agreement information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 330 by linkage processing, the interest rate application agreement including at least one of the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information stored in the storage medium 330 The information is used to calculate interest rates for credit loans of the intranet banking companies.

Preferably, the special interest rate agreement information includes a contract between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, by guaranteeing a part of the credit loan of the corporate employee, the company can lower the loan interest rate of the employee.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, by providing a collateral for a certain portion of the credit loan of the corporate employee, the loan rate of the employee can be lowered.

According to an embodiment of the present invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 330 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 300 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 300 is the Internet banking. A predetermined Internet banking server provided on the 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, or the server A program included in (or a 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 a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 305 is 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 with 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 embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 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 embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined interest rate application agreement information in the information registration terminal to provide the information registration terminal with the information registration terminal; An information receiving unit 315 for receiving predetermined interest rate application agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 305, and the received interest rate application agreement information. It is provided with an information storage unit 325 for storing in a predetermined storage medium 330 by processing the included special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information Characterized in that W is made.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) interest rate application agreement information and transmit it to the information registration server 300 through the network means, or extract it from a predetermined database (not shown), and the interface unit In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) interest rate application agreement information including at least one of the special interest rate agreement information, the corporate guarantee agreement information, and the collateral provision agreement information based on the user interface, and the input (or The interest rate application agreement information is transmitted to the information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 310 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 310 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 305.

According to another embodiment of the present invention, a predetermined type having at least one user interface for inputting (or selecting) the interest rate application agreement information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) interest rate application agreement information including at least one of special interest rate agreement information, company guarantee agreement information, and collateral provision agreement information through the user interface at the information registration terminal. When transmitting through the means, it is characterized in that receiving the interest rate application agreement information in conjunction with the interface unit 305, and provides the received interest rate application agreement information to the validity verification unit 320.

The validity confirming unit 320 checks whether the interest rate application agreement information received from the information registration terminal satisfies the validity for the credit loan of the intranet banking company.

According to an embodiment of the present invention, the validity of the interest rate application agreement information is registered at least one or more ledger information matching the interest rate application agreement information in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include checking whether there is.

For example, the validity check of the interest rate application agreement information confirms whether the corporate customer information included in the interest rate application agreement information matches the corporate customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity check of the interest rate application agreement information to confirm whether the corporate employee information included in the interest rate application agreement information matches the corporate employee ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

When the validity of the interest rate application agreement information is confirmed, the information storage unit 325 processes the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information included in the interest rate application agreement information in the storage medium ( And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. 325 is preferably stored in the storage medium 330 by processing the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information included in the received interest rate application agreement information, the storage medium 330 Is provided in the DBMS provided on the financial system, the information storage unit 325 is a special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information included in the received interest rate application agreement information It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

4 is a diagram illustrating a process of registering interest rate application agreement information in a non-face-to-face manner for credit loans of employees of intranet banking companies according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which the information registration server 300 on the convention information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for registration of interest rate application agreement information according to the present invention, the special interest rate agreement information, corporate warranty agreement to the information registration server 300 through the communication channel If the interest rate application agreement information including information, collateral provision agreement information is transmitted, the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information included in the received interest rate application agreement information from the information registration server 300 As an embodiment of the present invention relates to a method for storing the data in a predetermined storage medium 330 by linking the same. If it is a pendulum, it is possible to infer various implementation methods for registering the interest rate application agreement information from the client terminal to the information registration server 300 by referring to or modifying this figure 4, but the present invention is all inferred implementation It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information transmitted to the server 300 are referred to as "interest rate application agreement information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Access a server through a communication network or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the interest rate agreement information, and register the interest rate agreement information for credit loans of the intranet banking company. Request (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the interest rate application agreement information (405), and generates (or extracts) through the communication channel. The transmitted web page is output to the terminal (410).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) interest rate application agreement information including at least one of the special interest rate agreement information, the company guarantee agreement information, and the security agreement information. It is preferable to comprise a.

In addition, the web page transmission or output process is preferably performed at least once according to the interest rate application agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) interest rate application agreement information including at least one or more special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information through the information registration interface (415).

Preferably, the special interest rate agreement information includes an agreement between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, by guaranteeing a part of the credit loan of the corporate employee, the company can lower the loan interest rate of the employee.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, by providing a collateral for a certain portion of the credit loan of the corporate employee, the loan rate of the employee can be lowered.

If the terminal inputs (or selects) interest rate application agreement information including the special interest rate agreement information, corporate guarantee agreement information, and security provision agreement information through the information registration interface (420), the terminal selects the communication channel. Through the input (or selected) special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information is transmitted to the server (425).

According to an embodiment of the present invention, the special interest rate agreement information, the corporate guarantee agreement information, and the security agreement information inputted to the server through the communication channel may be input through the information registration interface. Alternatively, the method may further include transmitting the interest rate application agreement information through the security module provided in the terminal to the server by digitally signing or encrypting it.

Thereafter, the server receives and reads the special interest rate agreement information, the corporate guarantee agreement information, and the collateral providing agreement information through the communication channel to confirm the validity of the interest rate application agreement information (430).

According to an embodiment of the present invention, confirming the validity of the interest rate application agreement information, if the interest rate application agreement information is electronically signed or encrypted through the security module provided in the terminal, decrypt the interest rate application agreement information Alternatively, or may further comprise decoding the interest rate application agreement information.

According to an embodiment of the present invention, the validity of the interest rate application agreement information is registered at least one or more ledger information matching the interest rate application agreement information in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include checking whether there is.

For example, the validity check of the interest rate application agreement information confirms whether the corporate customer information included in the interest rate application agreement information matches the corporate customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity check of the interest rate application agreement information to confirm whether the corporate employee information included in the interest rate application agreement information matches the corporate employee ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

If the validity of the interest rate application agreement information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the interest rate application agreement information Do not perform the information registration procedure.

On the other hand, if the validity of the interest rate application agreement information is authenticated (435), the server performs the information registration procedure corresponding to the interest rate application agreement information, thereby providing the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information In operation 445, the data is stored in a predetermined storage medium 330.

According to an embodiment of the present invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 330 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 330 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the interest rate application agreement information transmitted from the terminal.

5A and 5B illustrate a process of registering interest rate application agreement information in a non-face-to-face manner for credit loans to employees of an intranet banking company according to another exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate that when the convention information registration system shown in FIG. 3 is realized through an internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network. For example, after accessing the Internet banking server through the Internet and performing a predetermined corporate customer authentication procedure, the client terminal transmits predetermined interest rate application agreement information for credit loans of intranet banking company employees to the Internet banking server. When the interest rate application agreement information including the special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information is transmitted, the special interest rate agreement information included in the received interest rate application agreement information from the information registration server 300, the company Guarantee agreement information and collateral provision agreement information are processed in connection with the above company information and company employee information. The storage method of the storage medium 330 of the present invention, the person of ordinary skill in the art to which the present invention belongs, the information registration server (5) Although various implementation methods for registering the interest rate application agreement information may be inferred by reference numeral 300), the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

That is, in FIGS. 5A and 5B, when accessing the internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering interest rate application agreement information between the client terminal and the Internet banking server is illustrated, the present invention belongs to those skilled in the art. And an interest rate application agreement information between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG.It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for a lock, but the present invention includes an provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, in addition to the Internet banking system, a telebanking system or wireless Another banking system such as a 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 registering interest rate application agreement information, but the present invention provides the telebanking system or a wireless banking system. Or all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed non-face-to-face banking systems, the technical configuration of the present invention being limited to the case of Internet banking shown in FIGS. 5A and 5B. It never happens.

5A and 5B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 300 is referred to as " server "

5A and 5B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (500a), the server communicates between the terminal and the server through the browser. (505a), wherein the communication channel means that the server generates (or extracts) a predetermined web page at the request of a browser program provided to the terminal and transmits the predetermined web page to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 510a).

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 (515a), 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 520a.

If the terminal does not need to install or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load or update the security module for internet banking (515a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (530a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server, or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server for registration of interest rate application agreement information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of interest rate application agreement information. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking enterprise customer authentication procedure through the browser program (535a).

According to an exemplary embodiment of the present invention, the internet banking corporate customer authentication procedure may be performed by the corporate customer through the terminal using predetermined Internet banking-based corporate customer authentication data (eg, an enterprise customer ID / PW registered in the internet banking application process, Or inputting (or generating) a corporate customer number, etc.) to the server, wherein the server comprises authenticating a corporate customer connected through the terminal as an internet banking corporate customer based on the corporate customer authentication data. In this case, the enterprise customer authentication data is preferably transmitted through the electronic signature or encrypted through the secure channel.

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

Thereafter, the terminal inputs (or generates) predetermined corporate customer authentication data according to the request, and requests an electronic banking corporate customer authentication by electronically signing or encrypting the data through the security module and transmitting it to the server (or authentication server). In operation 540a, the server (or the authentication server) authenticates the corporate customer connected through the terminal as the Internet banking corporate customer for non-face-to-face financial transactions based on the corporate customer authentication data received from the terminal ( 545a).

If the Internet banking enterprise customer authentication fails (550a), the server blocks the Internet banking security channel for the terminal (555a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking enterprise customer authentication is successful (550a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (560a), where Internet banking The underlying financial transaction channel refers to a communication channel that can register and transfer predetermined interest rate application agreement information for credit loans of employees of intranet banking companies from the terminal to the server.

Subsequently, when the terminal requests internet banking based interest rate application agreement information registration to the server through the inter-banking based financial transaction channel to register interest rate application agreement information (500b), the server registers the interest rate application agreement information. A web page corresponding to a predetermined information registration interface for generating (or extracting) a web page (505b), and transmitting and outputting the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel ( 510b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) interest rate application agreement information including at least one of special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information in the terminal. Preferably, or a predetermined password (for example, account password) or security code (for example, to verify the validity of the Internet banking enterprise customer requesting registration of the interest rate application agreement information or the interest rate application agreement information) An OTP authenticator provided to a corporate customer by a financial institution during the Internet banking application process. Interface (or one-time password generated by OTP authentication program) The it may further include.

In addition, the web page transmission or output process is preferably performed at least once according to the interest rate application agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) interest rate application agreement information including at least one of the special interest rate agreement information, the enterprise guarantee agreement information, and the security agreement information through the information registration interface (515b).

Preferably, the special interest rate agreement information includes an agreement between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, by guaranteeing a part of the credit loan of the corporate employee, the company can lower the loan interest rate of the employee.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, by providing a collateral for a certain portion of the credit loan of the corporate employee, the loan rate of the employee can be lowered.

If the terminal receives (or selects) interest rate application agreement information including the special interest rate agreement information, corporate guarantee agreement information, and collateral provision agreement information through the information registration interface (520b), the terminal transmits the financial transaction channel. Through the input (or selected) interest rate application agreement information is transmitted to the server (525b).

According to the method of the present invention, transmitting the interest rate application agreement information input (or selected) through the financial transaction channel to the server, the interest rate application agreement information input (or selected) through the information registration interface; It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the interest rate application agreement information through the financial transaction channel to confirm the validity of the interest rate application agreement information (530b).

According to an embodiment of the present invention, confirming the validity of the interest rate application agreement information, if the interest rate application agreement information is electronically signed or encrypted through the security module provided in the terminal, decrypt the interest rate application agreement information Alternatively, or may further comprise decoding the interest rate application agreement information.

In addition, the validity check of the interest rate application agreement information, it is preferable to further comprise authenticating a password or security code or OTP included in the interest rate application agreement information.

According to an embodiment of the present invention, the validity of the interest rate application agreement information is registered at least one or more ledger information matching the interest rate application agreement information in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include checking whether there is.

For example, the validity check of the interest rate application agreement information confirms whether the corporate customer information included in the interest rate application agreement information matches the corporate customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity check of the interest rate application agreement information to confirm whether the corporate employee information included in the interest rate application agreement information matches the corporate employee ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

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

On the other hand, if the validity of the interest rate application agreement information is authenticated (535b), the server performs the information registration procedure corresponding to the interest rate application agreement information, the special interest rate agreement information, corporate guarantee agreement contained in the interest rate application agreement information The information and the collateral providing agreement information are processed in association with each other and stored in the predetermined storage medium 330 (545b).

According to an embodiment of the present invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 330 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 330 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined interest rate application agreement information registration history information and transmits the generated web page to the terminal (550b), thereby completing the registration of interest rate application agreement information transmitted from the terminal.

FIG. 6 is a diagram illustrating an intranet banking system for calculating a loan rate of a corporate employee corresponding to interest rate application agreement information according to an embodiment of the present invention.

More specifically, FIG. 6 provides special interest rate agreement information, corporate guarantee agreement information, and collateral for a credit loan of the intranet banking company employee to a predetermined storage medium 130 through the information registration system shown in FIG. 1 or FIG. 3. After the interest rate application agreement information including at least one agreement information is stored, when applying for credit loans of employees connected through the intranet banking, the interest rate application agreement information corresponding to the employee information (or employee company information) is stored in the storage medium. An intranet banking system configured to check (or extract) from 130, calculate an interest rate corresponding to the identified interest rate application agreement information, and apply to the credit loan of the employee, wherein the present invention belongs to Those skilled in the art may refer to or modify this drawing to respond to the interest rate application agreement information. Various implementation methods for the intranet banking system configuration for the calculation of the loan rate can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

Referring to FIG. 6 according to an embodiment of the present invention, an intranet banking system for calculating a loan interest rate corresponding to the interest rate application agreement information may be connected through an intranet and an enterprise intranet server 600 used by at least one corporate employee. Being connected to the employee terminal 670, the employee terminal 670 and the intranet, providing at least one intranet service to the employee terminal 670, employee information (information including employee intranet account information, etc.) An interest rate application agreement including at least one of special interest rate agreement information, corporate guarantee agreement information and collateral provision agreement information through an intranet server 600 having a D / B and an information registration system shown in FIG. 1 or FIG. A storage medium 130 for storing information (or associated with the storage medium) and corresponding to the interest rate application agreement information. It includes an intranet banking server 620 for calculating the interest rate of the credit loan of the employee and a financial system for processing at least one intranet banking-based non-face-to-face financial transactions (eg, credit loan, etc.) processed by the intranet banking server 620. Characterized in that made.

The employee terminal 670 is connected to the intranet server 600 through an intranet, which is a dedicated computer network in a company including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, to provide at least one intranet service (eg, E-mail, electronic payment, banking, etc.) is characterized in that it comprises at least one or more.

In addition, the employee terminal 670 is connected to the intranet server 600 through an intranet, which is a dedicated computer network in the company including an IEEE 802.16x based wireless communication network, and at least one intranet service (eg, e-mail, electronic payment, And at least one portable Internet terminal for performing banking, etc.).

In addition, the employee terminal 670 is connected to the intranet server 600 through an intranet which is a dedicated computer network in the company including an IEEE 802.11x-based wireless communication network to at least one intranet service (eg, e-mail, electronic payment, And at least one WLAN terminal that executes banking, etc.).

According to one embodiment of the invention, the employee terminal 670 is connected to the intranet server 600, a predetermined loan application amount for the employee financial transaction (for example, credit loan, etc.) from the intranet server 600 The loan application information input user interface including the information, the loan amount deposit account information, and the loan period information may be provided.

According to the present invention, the employee terminal 670 is a predetermined intranet banking module 675 interworking with the intranet server 600 for non-face-to-face intranet banking for the employee financial transactions (for example, credit loans). The intranet banking module 675 is a non-face-to-face intranet banking for the employee financial transactions (eg, credit loans) in connection with the user interface transmitted from the intranet server 600. It provides a service.

According to an embodiment of the present invention, the intranet banking module 675 loan application information transmitted from the employee terminal 670 to the intranet banking server 620 for the predetermined financial transaction (eg, credit loan, etc.). It is preferably made to include a cryptographic processing function for encrypting or decrypting the loan application response information received from the intranet banking server 620.

In addition, the intranet banking module 675 may attach an electronic signature to loan application information transmitted from the employee terminal 670 to the intranet banking server 620 for the financial transaction (eg, credit loan), or It is preferable to include an electronic signature function for confirming the electronic signature attached to the loan application response information received from the intranet banking server 620.

In addition, the intranet banking module 675 may include at least one OTP code included in loan application information transmitted from the employee terminal 670 to the intranet banking server 620 for the financial transaction (eg, credit loan). It is preferable to include a function for generating a.

In addition, the intranet banking module 675 includes an official certificate function for providing the encryption processing function or the electronic signature function, or is provided in a memory (eg, the employee terminal 670) for storing the public certificate. Memory, or a memory provided in an integrated circuit (IC) chip that is read through a predetermined card reader provided in the employee terminal 670).

The intranet server 600 is a predetermined employee information D / B for employee authentication for providing at least one intranet service (eg, e-mail, electronic payment, banking, etc.) through the employee terminal 670, And an employee certification unit 610 for authenticating the employee based on the employee account information received from the employee terminal 670 performing the intranet banking service in association with the employee information D / B.

According to an embodiment of the present invention, the employee information stored in the employee information D / B includes intranet account information (eg, intranet ID information and intranet password) registered by the employee in the intranet server 600, and the employee information. It is desirable to include at least one or more of the predetermined employee personal information.

Here, the employee characteristic information includes at least one employee name, resident registration number, address, telephone number, employee number (or code), insurance number (or code), salary, premium, years of service, position, department, marital status, family information. It is preferable to comprise as mentioned above.

The employee information stored in the employee information D / B may further include intranet banking subscription information for checking whether the employee has subscribed to a banking service provided by a financial institution associated with the company.

According to an exemplary embodiment of the present invention, when the intranet account information including the intranet ID information and the intranet password is received from the employee terminal 670 accessing the intranet server 600 to perform intranet banking, the employee authentication unit 610. ) Compares the intranet account information with the intranet account information provided in the employee information D / B so that an employee corresponding to the intranet account information provides at least one intranet service (eg, e-mail, electronic payment, banking, etc.). It is desirable to certify that you are a valid employee.

According to the implementation method of the present invention, the employee authentication unit 610, the employee authentication process for comparing the intranet account information provided in the employee information D / B and the intranet account information received from the employee terminal 670, It is preferable to perform this when the employee terminal 670 logs in to the intranet server 600. Also, when the employee terminal 670 requests at least one intranet banking of the non-face-to-face via the intranet server 600. It is preferable to perform the repetition in response to the intranet banking request.

In addition, when the employee authentication through the employee authentication unit 610 is successful, the intranet server 600 may perform e-mail, electronic payment, banking, etc. through at least one employee terminal 670 where the employee authentication is successful. It is characterized by comprising an intranet operation unit 615 for operating to provide an intranet service including at least one or more.

Those skilled in the art to which the present invention pertains, the intranet operation unit 615 through the at least one or more employee terminal 670 through the intranet service including at least one or more e-mail, electronic payment, banking, etc. Since it will be familiar with the technical features to operate to provide a detailed description thereof will be omitted for convenience.

Referring to FIG. 6, the intranet server 600 may be connected to the intranet banking server 620 through a predetermined communication means to provide a corporate employee financial transaction service using the company information and employee information. 605).

The banking operation unit 605, if the employee authentication through the employee authentication unit 610 is successful, the employee account information of the employee (e.g., employee number (or code) of the employee in the employee information D / B Information, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, a user account (ID) of the corporate employee registered with the company (eg, a company server, etc.); Member information including a password, social security number information, employee name information, driver's license number information, insurance number information, fingerprint, hand shape, iris, voice, face, signature, retina of the corporate employee Biometric information including at least one or more of one or more of a vein, DNA (Deoxyribo Nucleic Acid), and a telephone number or terminal for a wireless terminal owned by the corporate employee Wireless terminal information including a serial number, an IC chip mounted on or detached from a wireless terminal owned by the corporate employee or customer-specific information owned and stored on the IC chip owned by the corporate employee, and owned by the corporate employee Information including at least one serial number or unique code information of an IC card) to check whether the user has subscribed to an intranet banking service provided by the financial system provided at a financial institution affiliated with the company. When it is confirmed that the employee subscribes to the intranet banking service, the banking operation unit 605 activates an intranet banking function through the employee terminal 670 in connection with the intranet operation unit 615. It is done.

For example, when a predetermined intranet banking icon or an intranet banking menu is provided in a predetermined user interface provided to the employee terminal 670, the banking operation unit 605 may be connected to the intranet operation unit 615 to provide the predetermined user interface. The employee terminal 670 may be activated to use the intranet banking icon or the intranet banking menu.

In addition, the banking operation unit 605 is an employee authentication performed when the employee authentication through the employee authentication unit 610 is successful (for example, when logging in to the intranet server 600 in the employee terminal 670). If this is successful, or if the employee authentication performed when at least one non-face-to-face intranet banking request is successful through the employee terminal 670), the result of the employee authentication through the predetermined communication means the intranet banking server And transmits to 620.

Here, the employee certification result, the employee number (or code) information of the corporate employee, information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of the corporate employee, and a telephone for a wireless terminal owned by the corporate employee Wireless terminal information including a number or a terminal serial number and an IC chip mounted on or detached from a wireless terminal owned by the corporate employee; And at least one customer's unique information owned by the corporate employee and stored in the IC chip, and at least one serial number or unique code information of the IC card owned by the corporate employee's customer.

According to an embodiment of the present invention, when the intranet banking server 620 is applying for a credit loan of the employee based on the employee authentication result received from the banking operation unit 605 provided in the intranet server 600, The interest rate application agreement information stored in the storage medium 130 in response to the employee working company is checked, and the interest rate corresponding to the identified interest rate application agreement information is calculated.

The intranet banking server 620 which provides the intranet banking service for the credit loan rate calculation corresponding to the interest rate application agreement information to the employee is provided with a banking operation unit provided in the intranet server 600 through a predetermined communication means ( 605 or an interface unit 625 for communicating with an intranet banking module 675 provided in the employee terminal 670 through a predetermined network means.

The interface unit 625 may include a banking operation unit provided in the intranet server 600 through a communication means including at least one dedicated communication network or a secure communication network (for example, a wired or wireless communication network based on an encryption / decryption function). 605) and a communication channel for receiving a predetermined employee authentication result.

Those skilled in the art to which the present invention pertains, the interface unit 625 uses a banking operation unit 605 provided in the intranet server 600 and a communication channel for receiving a predetermined employee authentication result Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, when the banking operation unit 605 encrypts and transmits the employee authentication result by at least one encryption method, the interface unit 625 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted employee authentication result.

Alternatively, when the banking operation unit 605 transmits an electronic signature attached to the employee authentication result, the interface unit 625 may further include a function of checking an electronic signature attached to the employee authentication result. Do.

Alternatively, when the banking operation unit 605 includes a predetermined OTP code in the employee authentication result, the interface unit 625 further includes a function of checking the OTP code included in the employee authentication result. It is preferable to make.

In addition, the interface unit 625 may include at least one non-face-to-face financial transaction (eg, credit loan, etc.) requested by the employee terminal 670 from the intranet server 600 through a network means including at least one wired or wireless communication network. Receive financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan application information including at least one or more loan period information), or the intranet server 600 receives the request. Connect and manage financial transaction channels for transmitting financial transaction response information corresponding to financial transaction request information.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 625 may request financial transaction request information for at least one or more non-face-to-face financial transactions (eg, credit loans, etc.) from the intranet server 600. For example, the loan application information, the loan application information and the loan application information including at least one loan period information, etc.) or receive the loan transaction information or the intranet server 600 corresponding to the financial transaction request information Since you will be familiar with the technical features of connecting and managing financial transaction channels for transmitting financial transaction response information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, at least one of the financial transaction request information (for example, loan application amount information, loan amount deposit account information, and loan period information) from the employee terminal 670 through the intranet server 600. When the loan application information including the above is encrypted and transmitted using at least one or more encryption methods, the interface unit 625 transmits the encrypted financial transaction request information (eg, loan) through a decryption method corresponding to the encryption method. It is preferable to further include a function for decoding the application amount information, loan amount payment account information, loan application information, etc. comprising at least one or more loan period information.

Alternatively, the loan request made by the employee terminal 670 includes at least one of the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information) through the intranet server 600. When the electronic signature is attached to the information and transmitted, the interface unit 625 may include at least one of financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information). It is desirable to further include a function for confirming the electronic signature attached to the loan application information, etc.).

Alternatively, a predetermined OTP is included in the financial transaction request information (eg, loan application amount information, loan amount deposit account information, loan period information, and the like) in the employee terminal 670. When the code is transmitted through the intranet server 600, the interface unit 625 may include at least one financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information). It is preferable to further include a function for checking the OTP code included in the loan application information, etc.) made.

According to another embodiment of the present invention, the intranet banking server 620 through the intranet server 600 to the employee terminal 670 the financial transaction request information (eg, loan application amount information, loan amount deposit account information) And, when the financial transaction response information corresponding to the loan application information including at least one loan period information is encrypted and transmitted by at least one encryption method, the interface unit 625 uses the predetermined encryption method. Preferably, the method further includes a function of encrypting financial transaction response information.

Alternatively, the intranet banking server 620 may transmit the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information) to the employee terminal 670 through the intranet server 600. If the electronic signature is transmitted to the financial transaction response information corresponding to the loan application information including one or more), the interface unit 625 further includes a function of attaching the electronic signature to the financial transaction response information. It is preferable.

According to the present invention, the intranet banking server 620 includes an information receiver 630 for receiving a predetermined employee authentication result from the intranet server 600 through the communication means in association with the interface unit 625. Characterized in that made.

In addition, the information receiving unit 630 may be connected to the interface unit 625 to predetermine an intranet banking customer for the financial transaction (eg, credit loan) from the employee terminal 670 through the network means. Characterized by receiving non-face-to-face financial transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the intranet banking customer for intranet banking ID / PW information, or certificate information, or non-face-to-face financial transactions for non-face-to-face financial transactions using the company information and employee information. At least one predetermined security card information, or OTP code generated through the OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

In addition, the non-face-to-face financial transaction authentication information, employee number (or code) information of the corporate employee, information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, Member information including a user account (ID) and password of the corporate employee registered in the company (e.g., a company (intranet) server, etc.), social security number information of the corporate employee, employee name information, driver license number information, , Insurance number information, biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee, and owned by the company employee Wireless terminal information including a telephone number or a terminal serial number for a wireless terminal, and a wireless terminal owned by the company employee Detachable IC chip or customer owned information stored in the IC chip owned by the company employee, and the IC card is owned by the company employee customer, characterized in that it comprises at least one or more serial number or unique code information.

According to the method of the present invention, the non-face-to-face financial transaction authentication information is the financial transaction request information received from the employee terminal 670 through the intranet server 600 (eg, loan application amount information and loan amount deposit account). Information, and loan application information including at least one loan period information, etc.).

In addition, the information receiving unit 630 is connected to the interface unit 625 through the network means from the employee terminal 670 through the financial transaction request information (eg, loan application amount information, loan amount deposit account information and , Loan application information, including at least one loan period information).

According to an embodiment of the present invention, the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan application information including at least one or more loan period information) corresponds to the employee. At least one employee account information (or predetermined unique information (or unique code) assigned to identify the intranet banking customers) and at least one employee linked account information for the non-face-to-face intranet banking The financial transaction request information (eg, loan application amount information, loan amount payment account information, loan application information including at least one loan period information, etc.) is provided on the intranet provided in the employee terminal 670. The banking module 675 may attach or encrypt a predetermined digital signature.

According to an exemplary embodiment of the present invention, the at least one loan application information input through the loan application user interface may include at least one loan application amount information, loan amount deposit account information, and loan period information. have.

According to another embodiment of the present invention, the at least one account transfer financial transaction information input through the user interface for non-face-to-face account transfer using the employee information, etc., predetermined account transfer amount information and the employee linked account It is preferable that the account transfer amount of the withdrawal account information, the withdrawal account password, and the at least one depositing side employee account information corresponding to the employee to receive the account transfer amount is preferably made.

The intranet banking server 620 includes a customer authentication unit 635 for authenticating the validity of the intranet banking customer through non-face-to-face financial transaction authentication information received from the employee terminal 670 through the information receiving unit 630. Characterized in that made.

According to the present invention, the non-face-to-face financial transaction authentication information includes predetermined financial transaction request information (eg, loan application information including at least one loan application amount information, loan amount deposit account information, and loan period information). When included in (or applied) in the received, the customer authentication unit 635 comprises at least one or more of the financial transaction request information (eg, loan application amount information, loan amount deposit account information, loan period information) Including at least one financial transaction request information (eg, loan application amount information, loan amount deposit account information, loan period information) through non-face-to-face financial transaction authentication information included (or applied) in the loan application information, etc.) Confidentiality, Authentication, Integrity and Denial of Non-face-to-face Financial Transactions Responding to Loan Application Information It is characterized by securing Nonrepudiation.

When non-face-to-face financial transaction authentication information including intranet banking ID / PW information is received through the information receiver 630, the customer authentication unit 635 receives the received intranet banking ID / PW information and the storage medium. By comparing the intranet banking ID / PW information included in the employee information stored at 665, the intranet banking customer is validated or the financial transaction request information (for example, loan application amount information and loan amount deposit account). And confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to the information and the loan application information including at least one loan period information.

In addition, the information encrypted through the at least one encryption key (for example, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 670 through the information receiving unit 630. When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 635 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. Validation of the intranet banking customer or non-corresponding to the financial transaction request information (eg, loan application information including at least one loan application amount information, loan amount deposit account information, loan period information, etc.) To secure confidentiality, authentication, integrity and non-repudiation of face-to-face financial transactions.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking customer is received through the information receiving unit 630, the customer authentication unit 635 receives the reception. By comparing the secured card information and the secured card information included in the customer information stored in the storage medium 665, the validity of the intranet banking customer, or the financial transaction request information (eg, loan application amount information, And secured confidentiality, authentication, integrity, and nonrepudiation of non-face-to-face financial transactions corresponding to loan amount deposit account information and loan application information including at least one loan period information.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the intranet banking customer is received through the information receiving unit 630, the customer authentication unit 635 receives the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 665 and comparing the generated OTP code with the received OTP code, thereby validating the intranet banking customer; or Confidentiality, authentication, and integrity of non-face-to-face financial transactions corresponding to the financial transaction request information (e.g., loan application amount information, loan amount deposit account information, loan period information including at least one loan period information) And non-repudiation.

Referring to FIG. 6, the intranet banking server 620 may include at least one loan request information including the received financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information). Etc.) information confirmation unit 640 for identifying (or extracting) interest rate application agreement information corresponding to employee information (or employee company information) included in the storage medium 130 and the confirmed interest rate application agreement information. The interest rate calculation unit 645 calculates the interest rate for the loan request of the corresponding employee, the banking processing unit 655 for processing the loan application of the employee according to the calculated interest rate, and the loan processing unit 650. When the non-face-to-face financial transaction is processed, the ledger D / B provided in the financial system is generated by generating the ledger information corresponding to the non-face-to-face financial transaction (credit loan) through a predetermined interface means. An employee terminal through the intranet server 600 through the interface unit 625 to generate financial transaction response information including a ledger processing unit 660 to store and non-face-to-face financial transaction results corresponding to the financial transaction request information. And an information transmission unit for transmitting to 670.

The information confirmation unit 640 is a financial transaction request information (eg, loan application amount information and loans received through the information receiving unit 630, when the loan application of the employee authenticated through the customer authentication unit 635), loan Confirmation of interest rate application agreement information corresponding to employee information (or employee company information) included in the money deposit account information and loan application information including at least one loan period information from the storage medium 130 (or Extraction rate), and the interest rate calculation unit 645 provides the interest rate application agreement information identified (or extracted).

The information checking unit 640 checks the banking access channel of the customer.

The interest rate calculation unit 645 checks the interest rate application agreement information corresponding to the loan application employee (or employee working company) through the information verification unit 640, the loan corresponding to the confirmed interest rate application agreement information. It is characterized in that the loan interest rate of the applicant employees, and provides the calculated loan interest rate to the banking processing unit (655).

According to an embodiment of the present invention, the interest rate application agreement information is characterized in that it comprises at least one or more special interest rate agreement information, corporate guarantee agreement information, collateral provision agreement information.

In this case, the special interest rate agreement information preferably includes a contract between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, as the company guarantees a part of the credit loan of the corporate employee, the interest rate calculation unit 645 may estimate the loan interest rate of the employee low.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, as the company provides collateral for a certain portion of the credit loan of the corporate employee, the interest rate calculation unit 645 may estimate the loan interest rate of the employee low.

In addition, the interest rate calculation unit 645 may calculate the interest rate by further referring to the credit information of the loan application employee.

The banking processing unit 655 processes the loan application of the employee according to the interest rate calculated through the interest rate calculation unit 645, and provides the loan application processing details to the ledger processing unit 660.

The intranet member 600 receives a predetermined intranet member authentication result from the intranet server 600 through the information receiving unit 630, and the financial unit from the employee terminal 670 corresponding to the intranet member authentication result through the information receiving unit 630. Transaction request information (eg, loan application amount information, loan amount payment account information, and loan application information including at least one or more loan period information) is received, and the interest rate calculation unit 645 is provided to the employee. When the corresponding interest rate is calculated, the banking processing unit 655 requests the financial transaction (loan processing) to the ledger processing unit 660, and correspondingly, the ledger processing unit 660 sends the finance through a predetermined interface means. The financial transaction is processed from the ledger D / B provided in the system, and the information transmission unit includes the financial transaction processing result. To generate answer information via the interface unit 625 is characterized in that transmitted to the intranet server 600.

Here, the intranet server 600 transmits financial transaction response information including the received financial transaction result to the employee terminal 670.

A predetermined intranet member authentication result is received from the intranet server 600 through the information receiver 630, and from the employee terminal 670 corresponding to the intranet member authentication result through the information receiver 630. When the financial transaction request information (or financial product subscription request information) using the employee information is received and the non-face-to-face financial transaction authentication information corresponding to the financial transaction request information is normally authenticated by the customer authentication unit 635, the banking The processor 655 may perform a financial transaction procedure corresponding to the financial transaction request information according to the interest rate information calculated by the interest rate calculation unit 645.

According to an embodiment of the present invention, when the financial transaction request information is loan application information including at least one loan application amount information, loan amount deposit account information, and loan period information, the banking processing unit 655 may include It is preferable to check the ledger (eg, loan ledger, etc.) corresponding to the employee (or employee account) information through the ledger processing unit 660 to check the existing loan history of the employee.

Referring to FIG. 6, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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 is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

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.

According to the implementation method of the present invention, the external system of the financial system has at least one non-face-to-face financial transaction processing function requested from the intranet banking server 620 in association with the intranet banking server 620 through the interface means. It is preferable to include an intranet banking unit that performs (eg, ledger inquiry, or ledger information storage, etc.).

In general, the financial system is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network), and at least one through the window terminal. Provide face-to-face financial transaction service for the above financial transaction customers.

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 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 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 financial transaction services based on face-to-face.

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. 6, the financial system is connected to the intranet banking server 620, and the at least one employee terminal 670 connected to a predetermined wired / wireless communication network through the intranet banking server 620. It is desirable to provide non-face-to-face financial transaction services to at least one intranet customer (employee).

7 is a diagram illustrating an intranet member authentication process for non-face-to-face banking using employee information according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a non-face-to-face banking service in connection with an employee D / B in which the employee information is stored when the employee terminal 670 accesses the predetermined intranet server 600 shown in FIG. 6 and logs in. As for the employee certification process for activating to provide the information, specifically, if the intranet banking subscription information (employee information registration information) for confirming whether the employee is the intranet banking customer is stored in the employee information D / B shown in FIG. It is about.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the employee authentication process for non-face-to-face banking using the employee information by referring to or modifying this figure 6. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the employee terminal 670 illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the intranet server 600 illustrated in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 6, a predetermined employee accesses a server through a predetermined terminal, inputs intranet account information of the employee, and transmits the received information to the server (800).

According to the exemplary embodiment of the present invention, the process of inputting the intranet account information of the employee from the terminal to the server may include: inputting the intranet account information through the key input means provided in the terminal. In addition, or when the server is connected, it is preferable to further comprise the step of automatically inputting the intranet account information stored in the memory provided in the terminal.

Thereafter, the server compares the intranet account information received from the terminal and the intranet account information stored in the employee information D / B to authenticate the validity of the employee (805).

If the validity of the employee is not authenticated through the intranet account information (for example, the intranet account information received from the terminal does not match the intranet account information stored in the employee information D / B) (810), the server Generates and transmits a predetermined employee error result to the terminal (815), and correspondingly, the terminal terminates without providing at least one or more intranet services (e.g., e-mail, electronic payment, banking, etc.) through the terminal. do.

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, if the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) (810), the server may The employee information associated with the intranet account information is read and linked with the employee D / B to confirm whether the customer is capable of intranet banking (820).

According to the implementation method of the present invention, the server is processed in connection with the intranet account information to check the intranet banking subscription information stored in the employee information D / B, to determine whether the employee registered the employee information capable of intranet banking It is desirable to.

If the employee is not an intranet banking customer (825), the server authenticates the employee authentication result (e.g., information that authenticates that the employee is a valid member who can receive at least one intranet service through the terminal). ) Is generated and transmitted to the terminal (830), and correspondingly, the terminal activates at least one intranet function (eg, e-mail, electronic payment, banking, etc.) provided by the server (835).

On the other hand, if the employee is identified as a customer capable of intranet banking (825), the server is the employee authentication result (for example, the employee can receive at least one intranet service through the terminal, including the intranet account information) Information certifying that a valid member is generated and transmitted to the intranet banking server 620 (840), and the intranet banking server 620 stores the employee authentication result in a predetermined storage medium 665 (845). .

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 620 is the non-face-to-face banking request using at least one or more employee information from the terminal to the intranet banking server 620, the employee's It is preferably used as information for authenticating validity.

In addition, the employee authentication result stored in the intranet banking server 620 is at least one non-face-to-face financial transaction authentication when the non-face-to-face financial transaction request such as account inquiry from the terminal to the intranet banking server 620 It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication process through the information.

Thereafter, the server includes the intranet banking subscription (registration) information in the employee authentication result and transmits the information to the terminal (850), and correspondingly, the terminal provides at least one intranet function (e.g., electronic Mail, electronic payment, banking, etc.), and also activates the intranet banking function of the intranet function based on the intranet banking subscription information (employee information registration information) (855).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 620 to identify the intranet banking customer.

For example, the unique information (or unique code), the employee number (or code) information of the corporate employee, the information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, Member information including a user account (ID) and password of the corporate employee registered in the company (e.g., a company server, etc.), social security number information of the corporate employee, employee name information, driver's license number information, insurance number Information, biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the corporate employee, and a wireless terminal owned by the corporate employee. Wireless terminal information, including a telephone number or terminal serial number for, and I mounted on or detached from the wireless terminal owned by the corporate staff The C chip or the employee owned by the corporate employee and stored in the IC chip, and the customer identification information of the IC card owned by the employee, characterized in that it comprises at least one or more.

According to an embodiment of the present invention, activating the intranet banking function provided by the server to the terminal is one of the intranet banking functions, when a predetermined intranet banking icon or an intranet banking menu is provided. Preferably, the method comprises activating a banking icon or an intranet banking menu.

8 is a diagram illustrating an employee certification process for non-face-to-face banking using employee information according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when an employee logs in from a predetermined employee terminal 670 to a predetermined intranet server 600 shown in FIG. 6, the employee banks through the information registration system shown in FIG. For employees who registered intranet banking information that includes at least one intranet information, intranet account information, intranet linked account information, and employee information, the employee authentication process for activating to provide a non-face-to-face banking service using the employee information, In detail, the process of checking whether the employee is an intranet banking customer is performed through a storage medium 665 provided in the intranet banking server 620 shown in FIG.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 8 to infer various implementation methods for the employee certification process for non-face-to-face banking using employee information. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

For example, if the person skilled in the art to which the present invention belongs, the ledger on the financial system that provides a non-face-to-face intranet banking service to the employee by the storage medium 665 by referring to or modifying this figure 8 When stored in / B or in a predetermined database associated with the ledger D / B, it is possible to infer various implementation methods to confirm whether the employee is an intranet banking customer in connection with the storage medium 665. The present invention is characterized in that it comprises all the implementation methods inferred above.

Hereinafter, in FIG. 8, the employee terminal 670 illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the intranet server 600 illustrated in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 8, a predetermined employee accesses the server through a predetermined terminal, inputs intranet account information of the employee, and transmits the received information to the server (800).

According to the exemplary embodiment of the present invention, the process of inputting the intranet account information of the employee from the terminal to the server may include: inputting the intranet account information through the key input means provided in the terminal. It may be further included, or further comprising the step of automatically inputting the intranet account information stored in the memory provided in the terminal.

Thereafter, the server compares the intranet account information received from the terminal and the intranet account information stored in the employee information D / B to authenticate the validity of the employee (805).

If the validity of the employee is not authenticated through the intranet account information (for example, the intranet account information input from the terminal does not match the intranet account information stored in the employee information D / B) (810), the server Generates a predetermined employee error result and transmits the result to the terminal (815). In response, the terminal provides at least one intranet service provided by the server (e.g., e-mail, electronic payment, banking, financial product information, etc.). Exit without providing).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, if the intranet account information input from the terminal matches the intranet account information stored in the employee information D / B) (810), the server may The employee certification result including intranet account information (e.g., information that authenticates that the employee is a valid member who can receive at least one intranet service (e.g., e-mail, electronic payment, banking, etc.) through the terminal). It generates and transmits to the intranet banking server 620 (820), and correspondingly the intranet banking server 620 checks whether the intranet account information matching the intranet account information is stored in the storage medium 665 The employee is subscribed to the intranet banking (financial transaction using employee information). Check that the (825).

Herein, the intranet account information includes employee number (or code) information of the corporate employee, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and a password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of a company employee, and a telephone for a wireless terminal owned by the company employee. Wireless terminal information including a number or terminal serial number, and an IC chip mounted on or detached from a wireless terminal owned by the corporate employee It is characterized in that it comprises the corporate employees owned and customer-specific information, and the company employees customer owns the serial number of the IC card or the specific code information for at least one stored in the IC chip.

According to the method of the present invention, if the intranet banking server 620 is confirmed that the intranet account information matching the intranet account information is stored in the storage medium 665, the employee of the financial institution associated with the company It is a good idea to verify that you are an intranet banking customer.

If the employee is not subscribed as an intranet banking customer (830), the intranet banking server 620 generates intranet banking non-subscription information for the intranet account information and transmits it to the server (835).

Subsequently, the server generates and transmits the employee authentication result (for example, information for authenticating that the employee is a valid member to be provided with at least one intranet service through the terminal) to the terminal (840). The terminal activates at least one intranet function (eg, e-mail, electronic payment, banking, etc.) provided by the server (845).

On the other hand, if the employee is registered as an intranet banking customer (830), the intranet banking server 620 is a valid member that can receive at least one intranet service through the employee authentication result (eg, the terminal). Authentication information) is stored in a predetermined storage medium 665 (850), and intranet banking subscription information for the intranet account information is generated and transmitted to the server (855).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 620 is the non-face-to-face banking request from the terminal to the intranet banking server 620 using at least one intranet, the validity of the employee It is preferably used as information for authenticating the.

In addition, the employee authentication result stored in the intranet banking server 620, at the time of non-face-to-face financial transaction request such as account inquiry, financial product information provision and financial product subscription request from the terminal to the intranet banking server 620, at least It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication process through one or more non-face-to-face financial transaction authentication information.

Thereafter, the server includes the intranet banking subscription information in the employee authentication result and transmits the received information to the terminal (860), and correspondingly, the terminal provides at least one intranet function (eg, e-mail, electronics) provided by the server. Payment, banking, etc.), and also activates the intranet banking function based on the intranet banking subscription information (865).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 620 to identify the intranet banking customer.

According to an embodiment of the present invention, activating the intranet banking function is such that, if the intranet program includes a predetermined intranet banking icon or an intranet banking menu, the employee may select the intranet banking icon or the intranet banking menu. It is preferable to include activating.

9 is a diagram illustrating a loan processing process through interest rate information calculated in response to interest rate application agreement information according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates that the intranet banking function is activated through the employee terminal 670 connected to the intranet server 600 after performing the employee authentication process as shown in FIG. 6 or 7. Based on the activated intranet banking function, when the credit loan application of the employee is applied, the interest rate application agreement information corresponding to the loan application employee (or employee working company) information is identified (or extracted) from the storage medium 665, After calculating the interest rate corresponding to the confirmed interest rate application agreement information (or extracted), and the process of performing the loan processing to which the calculated interest rate is applied, a person having ordinary knowledge in the technical field to which the present invention belongs If the lending application using the intranet by referring to or modifying the drawing 9, the lending application employee (or employee working company) information corresponding to After confirming (or extracting) the application agreement information from the storage medium 665, calculating an interest rate corresponding to the confirmed interest rate application agreement information, and performing loan processing to which the calculated interest rate is applied. Various implementation methods may 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.

Hereinafter, in FIG. 9, the employee terminal 670 illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the intranet banking server 620 illustrated in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 9, intranet banking is activated through a process shown in FIG. 6 or 7 through a predetermined terminal, and credit loan application information is input (or selected) for employee credit through the terminal. In step 900, the terminal transmits the input (or selection) loan application information to the server through a network means (905).

The loan application information may include at least one predetermined loan application amount information, loan amount deposit account information, and loan period information.

When the loan application information is transmitted from the terminal, the server receives and reads the transmitted loan application information (910) and checks the employee information (or employee company information) included in the loan application information (915).

The server checks (or extracts) interest rate application agreement information corresponding to the identified employee information (or employee company information) from the storage medium 665 (920).

If the interest rate application agreement information corresponding to the employee information (or employee company information) is not identified (or extracted) from the storage medium 665 (925), the server requests the loan of the employee according to the existing credit loan standard. Process 930.

On the other hand, when interest rate application agreement information corresponding to the employee information (or employee company information) is confirmed (or extracted) from the storage medium 665 (925), the server applies the interest rate application agreement confirmed (or extracted). In response to the information, the loan interest rate for the loan application is calculated (935).

Preferably, the special interest rate agreement information includes an agreement between the company and the financial institution regarding a special interest rate to be applied in loans to the employees of the company.

Here, the special interest rate is preferably applied differentially for each company according to the size of the company, the number of employees of the company, the type of business, the type of company, the transaction details.

The corporate guarantee agreement information is preferably made, including the information that the company guarantees a certain portion of the credit loan of the employee at the time of the credit loan of the corporate employee.

For example, by guaranteeing a part of the credit loan of the corporate employee, the company can lower the loan interest rate of the employee.

The collateral provision agreement information is preferably made, including the information that the company provides collateral for a certain portion of the credit loan of the employee at the time of the credit loan of the company employee.

For example, by providing a collateral for a certain portion of the credit loan of the corporate employee, the loan rate of the employee can be lowered.

Thereafter, the server processes the loan application of the employee according to the calculated loan rate (940) and transmits the loan application processing history to the terminal (945).

According to the present invention, by applying a specialized credit rate to employees of intranet banking companies, the credit loan rate for corporate employees who have access to intranet banking is not limited to personal credit rating, but reflects the contents of the agreement with the relevant company. By deciding, it is possible to provide differentiated services from existing loan services.

In addition, the use of intranet banking can be increased by providing differentiated services from existing loan services.

Claims (4)

Receiving the customer's online loan application information at the server; Checking a banking access channel of a customer who has transmitted the credit loan application information at a server; Confirming, if the banking access channel is an intranet banking channel of a company other than a general internet banking channel, checking interest rate application agreement information with the company in a server; Calculating a loan interest rate of the customer in response to the identified interest rate application agreement information at a server; The method of claim 1, wherein the interest rate application agreement information, Special interest rate agreement information that is applied differentially by company, corporate guarantee agreement information that guarantees a certain portion of the employee's credit loans at the company, and collateral providing collateral for a certain portion of the employee's credit loans at the company. Method for calculating the loan rate differential for each banking channel comprising at least one agreement information. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving customer online credit application information; Means for checking a banking access channel of a customer who has transmitted the credit loan application information; Means for confirming interest rate application agreement information with the company when the banking access channel is an intranet banking channel of a company other than a general internet banking channel; And a means for calculating a credit loan rate of the customer in response to the identified interest rate application agreement information.

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