KR20090019034A - System and method for processing intranet banking by using graphic user interface and program recording medium - Google Patents

Abstract

An intranet banking processing method and system using a graphic user interface capable of using an intranet banking service function, and a recording medium therefor are provided to transmit financial transaction request information inputted through the graphic user interface for intranet banking to a finance server through an intranet banking server. An intranet banking processing method includes the followings: a function for outputting a graphic user interface for intranet banking on terminal desktops of employees; a function for authenticating and processing the validity of login information of the employees by operating with the intranet operating server of enterprise; and a function for transmitting financial transaction request information inputted through the graphic user interface for intranet banking to a finance server through an intranet banking server.

Description

System and Method for Processing Intranet Banking by Using Graphic User Interface and Program Recording Medium}

1 is a diagram illustrating a program providing system interworking with intranet banking according to an embodiment of the present invention.

2 is a diagram illustrating a process of providing a program including an intranet banking service function according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an intranet banking system interworking with a program installed in a customer terminal according to an exemplary embodiment of the present invention.

4 is a diagram illustrating an employee certification process for non-face-to-face banking using a program according to an exemplary embodiment of the present invention.

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

6 is a diagram illustrating a non-face-to-face financial transaction authentication process for face-to-face banking using a program according to an embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating a process of providing a non-face-to-face intranet banking service using a program according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

300: intranet server 305: banking operation

310: employee certification unit 315: information provider

320: intranet operation unit 325: intranet banking server

330: interface unit 335: information transmission unit

340: information receiving unit 345: customer authentication unit

350: banking processing unit 355: ledger processing unit

The present invention is to provide an intranet service such as banking, credit loans, new Internet-only products, comment transfers, and money transfers in a widget manner, and provides a program such as a widget that interworks with an intranet without having to access banking through an intranet. Providing to employees, and when clicking on the widget of the corporate employee, by outputting the authentication information (eg, ID, password, etc.) input window for the corporate employee authentication, after the corporate employee authentication processing, the intranet banking service function can be used immediately It is characterized by.

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.

An object of the present invention for solving the above problems, the function of outputting the graphical user interface for intranet banking on the desktop of the employee terminal, and if the corporate intranet login information of the employee is input through the intranet banking graphical user interface, A function of authenticating the validity of the login information of the employee in connection with an intranet operation server; and, if the validity of the employee login information is authenticated, the financial information of the employee received through the intranet banking server for the intranet banking graphical user interface. The present invention provides a recording medium recording a program for executing a function of outputting through the intranet banking server and transmitting the financial transaction request information input through the intranet banking graphic user interface.

In addition, an object of the present invention is to provide a graphical user interface providing program for intranet banking interworking with the corporate intranet from the server to the corporate employee terminal and the employee's intranet banking financial information from the server through the graphical user interface An intranet banking processing method using a graphical user interface comprising the step of outputting on a terminal desktop.

The recording medium according to the present invention has a function of outputting a graphical user interface for intranet banking on a desktop of an employee terminal, and when the corporate intranet login information of the employee is input through the intranet banking graphical user interface, the corporate intranet operation server is connected. And a function of authenticating the validity of the login information of the employee, and authenticating the validity of the employee login information, outputting the financial information of the employee received through the intranet banking server through the intranet banking graphic user interface, and And a program for executing a function of transmitting the financial transaction request information input through the intranet banking graphic user interface to the financial server through the intranet banking server.

According to the present invention, the program is further characterized in that for executing the function of outputting the corporate information provided through the intranet server via the graphical user interface for intranet banking.

On the other hand, the intranet banking processing system using a graphical user interface according to the present invention, the corporate intranet server for processing the financial transaction information transmission and reception of corporate employees in conjunction with a financial server (banking server), and employees received through the corporate intranet server And the financial information of the employee through a graphical user interface installed on the desktop of the employee terminal, and the financial transaction request information input through the graphical user interface is transmitted to the financial server (banking server) through the intranet server. Characterized in that made.

On the other hand, the intranet banking processing method according to the present invention comprises the steps of providing a graphical user interface providing program for intranet banking interworking with the corporate intranet from the server to the corporate employee terminal and the server to the financial information for intranet banking of the employee in the server It is characterized in that the output via the interface on the employee terminal desktop.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

1 is a diagram illustrating a program providing system interworking with intranet banking according to an embodiment of the present invention.

In more detail, Figure 1 is a configuration of a program providing system for providing a program (for example, a widget (Widget), etc.) to work with the intranet banking to the customer terminal, the person skilled in the art to which the present invention pertains If it is, the present invention can be inferred from various embodiments of the program providing system configuration for providing a program (Widget) interworking with intranet banking to the customer terminal 135 by referring to or modifying the present invention. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

According to FIG. 1, a component corresponding to at least one or more means or functional configuration for providing a program for interworking with intranet banking to the customer terminal 135 on the illustrated program providing system is provided for convenience. It is called.

According to an embodiment of the present invention, a program (e.g., a widget, etc.) interworking with the intranet banking is a kind of personalized program that replaces a web browser in the customer terminal 135 (e.g., a PC, etc.). The user can view the desired information in a small window without launching a web browser for searching and accessing a desired website (e.g., an intranet banking site, etc.). In particular, according to the present invention, the program is an intranet. In conjunction with a banking system, characterized in that to support the customer's intranet banking service, the customer is banking through a program (eg, financial transaction program (Financial Banking.widget), etc.) provided in the customer terminal 135 Intranet banking services, such as loans, new, transfer, remittance, inquiry can be provided.

In addition, the program (eg, a widget, etc.) is characterized in that the financial information for intranet banking of the employee to output on the desktop of the employee terminal after the authentication of the employee.

According to an embodiment of the present invention, the program (for example, a widget, etc.) outputs a graphical user interface for intranet banking on an employee terminal desktop or corporate intranet login information of the employee through the intranet banking graphical user interface. If is input, the authentication process of the login information of the employee in conjunction with the corporate intranet management server, or if the validity of the employee login information, if the authentication information, the intranet banking of the employee financial information received through the intranet banking server And output the financial transaction request information input through the intranet banking graphic user interface to the financial server through the intranet banking server.

Referring to FIG. 1 according to an embodiment of the present invention, a program providing system for providing a program (Widget) interworking with intranet banking to a customer terminal 135 includes at least one wired terminal or a wireless terminal used by the customer. It characterized in that it comprises a customer terminal 135 including, the customer terminal 135 used by the customer is connected to the communication channel and the program providing server provided on the program providing system through a predetermined network means.

According to an exemplary embodiment of the present invention, a program (Widget) interworking with the intranet banking system may be provided (eg, downloaded) from the program providing server or a predetermined server interworking with the program providing server.

More specifically, in order to execute the program (eg, Financial Banking.widget), the customer terminal 135 is preferably provided with a program engine 140 (eg, Widger Engine, etc.) for execution of the program. The program engine 140 is a JavaScript runtime engine that operates in the Microsoft Windows and Macintosh environments, and installs a program in the process of downloading a program to the customer terminal 135 for the first time. It is preferable to install through a wizard or the like.

According to an embodiment of the present invention, a wired terminal connected to the wired 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 connected to the TCP / IP based communication network. At least one of a computer or a notebook, 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. It is preferable to comprise as mentioned above.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. General term for all terminal devices connected to a wireless wireless data communication network, a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal connected to the CDMA-based mobile communication network. (Personal Digital Cellular; PDC) and / or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) and / or smartphone (Smart Phone) or Telematics, or the IEEE 802.16x based portable To a portable Internet terminal connected to the Internet, or to the DataTAC / Mobitex-based wireless data communication network. It may include at least one or more connected wireless data communication terminal.

The program providing server connected to the customer terminal 135 may be any one of an internet banking server, a wireless banking server, a telebanking server, or a TV banking server according to the characteristics of the customer terminal 135 and network means. In connection with the Internet banking server or wireless banking server or telebanking server or TV banking server, or may include at least one or more separate web server for providing the information.

In addition, the network means for connecting the customer terminal 135 and the information registration server is a CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / Mobitex according to the type of wireless network connected to the customer terminal 135 Any of the base wireless data communication network, or may include any type of wireless communication network proposed in the future including a predetermined wireless interval.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 135 corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience. do.

Referring to FIG. 1, the storage medium 130 provided on the illustrated program providing system includes an intranet banking service function program information downloaded to the customer terminal 135 at the request of the customer, and the customer information. It is characterized in that the processed and stored.

The customer information is characterized by including a customer name, social security number, ID, password, address, account information, company information.

The program (widget) information may include at least one or more * .kon file information and at least one or more * .js file information for performing an intranet banking service function.

According to an embodiment of the present invention, the storage medium 130 is a program providing server on the program providing system, or a DBMS on a financial system provided on (or associated with) the program providing system, or It is preferably provided in at least one or more of a predetermined system (or a predetermined server within the system) associated with the program providing system (or financial system).

When the storage medium 130 is provided in a DBMS on the financial system, the storage information stored in the storage medium 130 may be a database included in the ledger D / B or linked to the ledger D / B. The present invention is not limited thereby.

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

According to the present invention, the program providing server provided on the program providing system shown in FIG. 1 is a generic term for the program providing system-side components that are connected to the customer terminal 135 through a predetermined network means. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal 135 includes a wired terminal or a wireless terminal connectable to an internet banking server (or an intranet banking server on an intranet banking system) on a predetermined internet banking system, the program is provided. The server may be a predetermined Internet banking server provided on the Internet banking system (or an intranet banking server on an intranet banking system), or a program included in the Internet banking server (or intranet banking server), or the Internet banking system. (Or an intranet banking system) a predetermined server (or device) accessible to the outside world of the financial system, a program included in the server (or device), or the Internet banking server (or the server (or device) On the financial system accessible through The server system (or device), or may be a program provided on the FEP system on the financial system itdoe, to which is not limited by the purpose of this invention comprises a.

According to another exemplary embodiment of the present invention, when the customer terminal 135 includes a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the program providing server may include a predetermined server provided on the wireless banking system. A wireless banking server or a program included 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 provided in the server (or device). A program or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external world on the financial system. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the customer terminal 135 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the program providing server 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 on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to an embodiment of the present invention, the program providing server is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 135 through the network means.

According to an embodiment of the present invention, when the customer terminal 135 includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 105 is defined in the wired network or a wireless network. Connects a predetermined communication channel with the customer terminal 135 based on the established protocol stack, and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 135. It is desirable to provide a communication interface for the purpose.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 135, the interface unit 105 communicates with the information registration terminal and the information registration terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program.

Alternatively, when the customer terminal 135 is provided with a communication program (eg, an internet banking program) provided by the program providing server, the interface unit 105 is based on the TCP / IP protocol. ) And a communication channel, and provide 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 customer terminal 135 includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with an information registration terminal and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal 135. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal 135, the interface unit 105 is based on the CDMA protocol. ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the customer terminal 135 is provided with a communication program (eg, an IC chip-based banking program) provided by the program providing server, the interface unit 105 is based on the CDMA protocol. 135) and a communication channel, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 135 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 105 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 1, the program providing server may be connected to a financial system or provided in the financial system through a predetermined interface means, and the financial institution may provide at least one financial transaction to at least one financial transaction customer. For example, it is characterized by having a predetermined financial system for providing services such as credit, receiving, foreign exchange, financial investment, etc.).

The financial system provided in the financial institution 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). Providing face-to-face financial transaction services to at least one financial transaction customer.

In addition, at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided in the branch (or branch) of the financial system, or at least one other financial institution affiliated with the financial institution (Or another financial institution branch) is connected to at least one or more financial terminals, or at least one or more financial terminals provided in a public place through a predetermined financial network (for example, 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 associated with a predetermined Internet banking server (or intranet banking server), the network connected to the TCP / IP-based backbone network through the Internet banking server (or intranet banking server) (eg, wired) At least one customer terminal 135 (eg, a personal computer equipped with the wired Internet access and browsing function) connected to the Internet, an IEEE 802.11x based wireless LAN, or an IEEE 802.16x based portable Internet. Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, the wireless LAN / portable Internet connection and a browsing function, and / or a 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 a global system for mobile (GSM) having access and browsing functions connected to the mobile communication network) connected to the Internet and / or a DataTAC / Mobitex-based wireless data communication network. A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a terminal or a PDA (Personal Digital Assistant) or a smart phone or a telematics.

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

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

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

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

Referring to FIG. 1, 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 And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides 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.

Referring to FIG. 1, the program providing server provides an intranet banking service in which a customer terminal 135 connected to the program providing server through the interface unit 105 is installed in the customer terminal 135 according to the present invention. When requesting the download of the program, the interface providing unit for generating a download interface of the program to be installed in the customer terminal 135 in conjunction with the interface unit 105 to provide to the customer terminal 135, and the interface The intranet banking service to the customer terminal 135 by confirming the received program information with the information receiving unit 115 which receives the program information requested by the customer through the download interface in cooperation with the unit 105. It includes a program providing unit 120 for downloading and providing a program to perform a function The features.

The program providing unit 120, a program for performing an intranet banking service function (for example, banking, loans, new Internet-only products, comment transfers, hard money transfer, etc.) according to the embodiment of the present invention from the customer terminal 135 When a download request is received, the downloaded program is characterized in that it is downloaded to the customer terminal 135 through the network means.

The program for performing the intranet banking service function downloaded to the client terminal 135 may include at least one * .kon file and at least one * .js file for performing the intranet banking service function. It is characterized by.

The * .kon file is a main code file of a program, which is generally read as a file which is first read when a customer executes a program for executing the intranet banking service function through the program engine 140 on the customer terminal 135. Contains program functions in JavaScript.

The * .js file stores most of the JavaScript required in the process of executing a program for performing the intranet banking service function through the program engine 140 on the customer terminal 135.

The server may further include an information storage unit 125 for storing the program information (eg, a widget, etc.) provided to the customer terminal in association with the customer information.

2 is a diagram illustrating a process of providing a program including an intranet banking service function according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 shows a case in which the program providing server 100 on the program providing system shown in FIG. 1 has a web server function to which the customer terminal 135 can connect through a predetermined network means. After the terminal 135 accesses the program providing server 100 and connects a communication channel for downloading a program (eg, a widget, etc.) including an intranet banking service function according to the present invention, the program is transmitted through the communication channel. When the program download request information is transmitted to the providing server 100, the program providing server 100 to the implementation method for downloading a program corresponding to the received program download request information to the customer terminal 135, Those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing to Various implementation methods for the program download process corresponding to the program download request information provided from the terminal 135 to the program providing server 100 may be inferred, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the customer terminal 135 shown in FIG. 1 will be referred to as "terminal" for convenience, and the program providing server 100 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 2, when the customer terminal 135 illustrated in FIG. 1 is a predetermined network means (eg, when the customer terminal 135 is a wired terminal, a TCP / IP based wired communication network, the customer terminal 135). In the case of the wireless terminal, a predetermined communication channel for downloading the program of the intranet banking service function is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet. When requesting a program download of a function (200), the server generates (or extracts) a web page corresponding to a predetermined download interface for downloading the program (205), and generates (or extracts) through the communication channel. The transmitted web page is output to the terminal (210).

According to the method of the present invention, the web page transmission or output process is preferably performed at least once according to the program download procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) download request information for downloading a program through the download interface (215).

If download request information for downloading the program is input (or selected) through the information registration interface in the terminal (220), the terminal receives the input (or selected) program download request information through the communication channel. Send to the server (225).

Thereafter, the server receives and reads the program download request information through the communication channel (230), and downloads a program corresponding to the program download request information to the terminal through the communication channel (235).

When downloading of the program of the intranet banking service function is completed (240), the terminal installs the downloaded program, thereby waiting for the intranet banking service using the program.

3 is a diagram illustrating an intranet banking system interworking with a program installed in a customer terminal according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates a program installed in the employee terminal 365 after a program having an intranet banking service function is installed in the customer terminal (hereinafter, the employee terminal 365) through the program providing system illustrated in FIG. Intranet banking system configuration for performing at least one or more intranet banking services (e.g., banking, loans, new Internet-only products, comment transfer, conservative money transfer, etc.), and the general knowledge in the art However, the present invention may infer various implementation methods for the configuration of an intranet banking system for providing an intranet banking service using the program by referring to or modifying the drawing 3, but the present invention is directed to all the inferred implementation methods. The description is made only by the implementation method shown in FIG. This feature is not limited.

Referring to FIG. 3 according to an embodiment of the present invention, an intranet banking system for providing an intranet banking service through the program is connected to an enterprise intranet server 300 used by at least one or more corporate employees through an intranet, and the intranet. Employee terminal 365 with a program having a banking service function is installed, and connected to the employee terminal 365 through an intranet, provides at least one intranet service to the employee terminal 365, employee name, social security number, Store employee information including at least one address, telephone number, employee number (or code), insurance number (or code), salary, premium, years of service, title, department, marital status, family details and employee account Intranet server 300 having an employee D / B and a non-program using the program to the employees of the company Intranet banking server 325 that provides a face-to-face intranet banking service and at least one intranet banking-based non-face-to-face financial transaction processed by the intranet banking server 325 (eg, banking, loan, new Internet-only products, comment transfer) Banking system, etc.).

According to the method of the present invention, the program is a kind of personalized program that replaces the web browser in the employee terminal 365 (for example, a PC, etc.), and launches a web browser for searching for an existing information and the like. Intranet banking services can be performed without the process of accessing a site (e.g., an intranet site or an intranet banking site, etc.). In particular, according to the present invention, the program is an intranet banking service of the employee (e.g., banking). , Loans, new Internet-only products, comment transfers, conservative remittances, etc.) are performed without accessing the website.

In addition, the program (eg, a widget, etc.) is characterized in that the financial information for intranet banking of the employee to output on the desktop of the employee terminal after the authentication of the employee.

According to an embodiment of the present invention, the program (for example, a widget, etc.) outputs a graphical user interface for intranet banking on an employee terminal desktop or corporate intranet login information of the employee through the intranet banking graphical user interface. If is input, the authentication process of the employee's login information in connection with the corporate intranet management server, or if the employee login information is validated, the intranet banking information received by the employee through the intranet banking server for the intranet banking It outputs through a graphical user interface, and the financial transaction request information input through the intranet banking graphical user interface to be transmitted to the financial server through the intranet banking server.

The employee terminal 365 connects to the intranet server 300 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 365 is connected to the intranet server 300 through an intranet, which is an in-house dedicated computer network including an IEEE 802.16x based wireless communication network, 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 365 is connected to the intranet server 300 through an intranet, which is a dedicated computer network in the company including an IEEE 802.11x-based wireless communication network, at least one intranet service (eg, e-mail, electronic payment, And at least one WLAN terminal that executes banking, etc.).

According to an embodiment of the present invention, the employee terminal 365 is connected to the intranet server 300 through the program, a predetermined intranet banking service (eg, banking, loan, Internet from the intranet server 300) New dedicated products, comment transfer, hard money transfer, etc.) interface can be provided.

According to the present invention, the employee terminal 365 is a predetermined program (or an intranet banking module 370 interworking with the program) for interworking with the intranet server 300 for non-face-to-face intranet banking for the employee financial transaction. ), Wherein the program (or the intranet banking module 370 interworking with the program) is connected to the user interface transmitted from the intranet server 300 in a non-face-to-face manner for the employee financial transaction. It is characterized by providing an intranet banking service.

According to an embodiment of the present invention, the program (or the intranet banking module 370 interworking with the program) is the predetermined intranet banking service (eg, banking, loan, Internet-only products new, comments) in the employee terminal 365 A cryptographic processing function for encrypting the financial transaction request information transmitted to the intranet banking server 325 for the transfer, the interrogation transfer, or the like, or decrypting the financial transaction response information received from the intranet banking server 325. Can be done.

In addition, the program (or an intranet banking module 370 interworking with the program) attaches an electronic signature to the financial transaction request information transmitted from the employee terminal 365 to the intranet banking server 325 for the employee financial transaction. Alternatively, or an electronic signature function for confirming the electronic signature attached to the financial transaction response information received from the intranet banking server 325.

In addition, the program (or an intranet banking module 370 interworking with the program) is at least one or more included in the financial transaction request information transmitted from the employee terminal 365 to the intranet banking server 325 for the financial transaction. It may include a function for generating an OTP code.

In addition, the program (or an intranet banking module 370 interworking with the program) includes an authentication certificate function for providing the encryption processing function or the electronic signature function, or a memory (eg, storing the authentication certificate). Memory provided in the employee terminal 365, or a memory provided in an integrated circuit (IC) chip that is read through a predetermined card reader provided in the employee terminal 365).

According to the implementation method of the present invention, the program provided in the employee terminal 365 can be automatically executed when the window is driven according to the initial setting, but for the task requiring security such as customer financial transactions as described above In addition, it is preferable to be activated according to a predetermined login process (eg, an ID stored in an employee DB (or a storage medium on a banking system) or a login using a password).

The intranet server 300 through at least one intranet banking service (eg, banking, loans, Internet-only products new, comments) through a program (or intranet banking module 370 linked with the program) provided in the employee terminal 365 A program (or a program) provided in a predetermined employee information D / B for authenticating an employee for providing a transfer, a conservative money transfer, etc., and an employee terminal 365 that performs the intranet banking service in connection with the employee information D / B. And an employee certification unit 310 for authenticating the employee based on the employee account information received from the intranet banking module 370 interworking with the program.

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 300, and the employee information. It is desirable to include predetermined employee personal information.

Here, the employee personal information is employee name, social security number, address, telephone number, employee number (or code), insurance number (or code), salary, premium, years of service, position, department, marital status, family information, employee account It is preferable to include at least one or more.

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.

In addition, the employee information D / B can be made by including the employee's unique information, employee personnel information, employee salary information, characterized in that comprises the accessible employee information.

According to an embodiment of the present invention, the intranet ID information is received from a program (or an intranet banking module 370 linked with a program) provided in an employee terminal 365 that performs intranet banking by accessing the intranet server 300. When the intranet account information including the intranet password is received, the employee authentication unit 310 compares the intranet account information with the intranet account information provided in the employee information D / B, thereby preventing the employee corresponding to the intranet account information. It is desirable to certify that you are a valid employee who will receive at least one or more intranet banking services (eg, banking, loans, new Internet-only products, comment transfers, condolences, etc.).

According to the exemplary embodiment of the present invention, the employee authentication unit 310 receives the intranet account information and the employee information received from a program (or an intranet banking module 370 linked with a program) provided in the employee terminal 365. An employee authentication process comparing the intranet account information provided in the D / B is preferably performed when the employee terminal 365 logs in to the intranet server 300 through the program, and the employee terminal 365. When an intranet banking request of at least one or more non-face-to-face via the intranet server 300 in the program (or the intranet banking module 370 that interoperates with the program) is repeatedly performed in response to the intranet banking request. It is preferable.

In addition, the intranet server 300, if the employee authentication through the employee authentication unit 310 is successful, the program (or intranet interlocking with the program) provided in at least one or more employee terminal 365 that the employee authentication is successful Banking module 370 is preferably provided with an intranet operation unit 320 for operating to provide an intranet service including at least one or more banking, loans, new Internet-only products, comment transfer, condolence remittance, and the like. .

If the person having ordinary knowledge in the technical field to which the present invention belongs, the intranet operation unit 320 at least one or more banking, loans, new Internet-only products, comment transfers, interrogation remittance, etc. through at least one employee terminal 365 Since you will be familiar with the technical features of operating to provide intranet services that include one or more, a detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the intranet server 300 is connected to the intranet banking server 325 through a predetermined communication means to use an intranet banking service (eg, banking, loan, Internet only) using the company information and employee information. It is provided with a banking operation unit 305 to provide a new product, transfer of comments, intercept transfer, etc.).

The banking operation unit 305, if the employee authentication through the employee authentication unit 310 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 305 is connected to the intranet operation unit 320 and the program (or an intranet interworking with the program) provided in the employee terminal 365. Through the banking module 370 to enable the intranet banking function.

For example, when a predetermined intranet banking icon or an intranet banking menu is provided in a predetermined user interface of a program (or an intranet banking module 370 linked with a program) provided in the employee terminal 365, the banking operation unit. In operation 305, the intranet banking icon or the intranet banking menu may be used in a program (or an intranet banking module 370 linked with a program) provided in the employee terminal 365 in association with the intranet operation unit 320. It is desirable to activate so that.

In addition, the banking operation unit 305, if the employee authentication is successful through the employee authentication unit 310 (for example, the intranet banking module 370 interlocked with the program (or program) provided in the employee terminal 365) When the employee authentication performed when the intranet banking request of at least one or more non-face-to-face through ()) is successful), the employee authentication result is transmitted to the intranet banking server 325 through a predetermined communication means.

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 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 number for a wireless terminal owned by the company employee Or an IC chip mounted on or detached from a wireless terminal information including a terminal serial number and a wireless terminal owned by the company employee; It may be made by including at least one or more customer-specific information owned by the corporate employee and stored in the IC chip, and serial number or unique code information of the IC card owned by the corporate employee customer.

According to an embodiment of the present invention, the intranet banking server 325 is the intranet banking service (eg, banking) based on the employee authentication result received from the banking operation unit 305 provided in the intranet server 300. , Loans, new Internet-only products, comment transfers, condolences, etc.).

The intranet banking server 325 that provides a predetermined intranet banking service (eg, banking, loans, new Internet-only products, comment transfer, condolence remittance, etc.) to the employee is the intranet server 300 through a predetermined communication means. An interface unit for communication connection with the banking operation unit 305 provided in the communication unit or a program (or an intranet banking module 370 interworking with the program) provided in the employee terminal 365 through a predetermined network means. 330 may be provided.

The interface unit 330 may include a banking operation unit provided in the intranet server 300 through a communication means including at least one dedicated communication network or a secure communication network (eg, a wired / wireless communication network based on an encryption / decryption function). 305) and a communication channel for receiving a predetermined employee authentication result.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 330 communicates with the banking operation unit 305 provided in the intranet server 300 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 embodiment of the present invention, when the banking operation unit 305 encrypts and transmits the employee authentication result using at least one encryption method, the interface unit 330 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 305 transmits an electronic signature attached to the employee authentication result, the interface unit 330 may further include a function of checking the electronic signature attached to the employee authentication result. Do.

Alternatively, when the banking operation unit 305 transmits a predetermined OTP code to the employee authentication result, the interface unit 330 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 330 may be a program (or an intranet banking module 370 interworking with a program) provided in the employee terminal 365 from the intranet server 300 through a network means including at least one wired or wireless communication network. Financial transaction request information for at least one non-face-to-face financial transaction (eg, banking, loans, new Internet-only products, comment transfers, request for financial transactions, etc.) using the company information and employee information Financial transaction response information (e.g., banking, loans, new Internet-only products, comment transfers, and interrogation remittance processing using the company information and employee information) corresponding to the financial transaction request information to the intranet server 300; And connects and manages financial transaction channels for transmitting financial transaction response information).

Those skilled in the art to which the present invention pertains, the interface unit 330 from the intranet server 300 financial transaction request information for at least one or more non-face-to-face financial transactions (eg, the company information and employees Financial transaction request information such as banking, loans, new Internet-only products, comment transfers, and conservative remittances using information), or the financial transaction request information to the employee terminal 365 through the intranet server 300. A financial transaction channel for transmitting financial transaction response information (e.g., banking, loans, new Internet-only products, comment transfers, financial transaction response information corresponding to hard wire transfer processing, etc.) using the company information and employee information. 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, the financial transaction request information (eg, the company) through the intranet server 300 in the program (or the intranet banking module 370 linked with the program) provided in the employee terminal 365. Banking, loans, new Internet-only products, comment transfers, interrogation remittances, and other financial transaction request information, etc. using information and employee information) is encrypted and transmitted using at least one or more encryption methods. Preferably, the method further includes a function of decrypting the encrypted financial transaction request information through a decryption scheme corresponding to the scheme.

Alternatively, the financial transaction request information (eg, the company information and the employee information) is provided through the intranet server 300 in the program (or the intranet banking module 370 linked with the program) provided in the employee terminal 365. Banking, loans, new Internet-only products, comment transfers, financial transaction request information such as conservative remittances, etc.) when the electronic signature is attached and transmitted, the interface unit 330 confirms the electronic signature attached to the financial transaction request information. It is preferable that the function is further included.

Alternatively, the employee terminal 365 has predetermined information on the financial transaction request information (for example, banking, loans, new Internet-only products, comment transfers, financial transfer request information, etc.) using the company information and employee information. In the case of transmitting through the intranet server 300 including an OTP code, the interface unit 330 may further include a function of checking the OTP code included in the financial transaction request information.

According to another embodiment of the present invention, the intranet banking server 325 through the intranet server 300 to the program (or intranet banking module 370 interworking with the program) provided in the employee terminal 365 through the finance When the financial transaction response information corresponding to the transaction request information is encrypted and transmitted by at least one encryption method, the interface unit 330 further includes a function of encrypting the financial transaction response information by a predetermined encryption method. desirable.

Alternatively, the finance corresponding to the financial transaction request information from the intranet banking server 325 to the program (or the intranet banking module 370 linked with the program) provided in the employee terminal 365 through the intranet server 300. When transmitting the electronic signature attached to the transaction response information, the interface unit 330 preferably further includes a function of attaching the electronic signature to the financial transaction response information.

According to the present invention, the intranet banking server 325 includes an information receiving unit 340 for receiving a predetermined employee authentication result from the intranet server 300 through the communication means in association with the interface unit 330. Characterized in that made.

In addition, the information receiving unit 340 is connected to the interface unit 330 from the program (or intranet banking module 370 interworking with the program) provided in the employee terminal 365 through the network means; Receiving predetermined non-face-to-face financial transaction authentication information for intranet banking customer authentication for intranet banking services (e.g., banking, loans, new Internet-only products, comment transfers, conservative remittances, etc.) using information and employee information do.

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, the employee number (or code) information of the company employee, information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, and the company (E.g., member information including a user account (ID) and password of a corporate employee registered in a company (intranet) server, etc.), social security number information of the corporate employee, employee name information, driver's license number information, Owns the 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, 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 The detachable IC chip or the customer's unique information owned by the corporate employee and stored in the IC chip, and may include at least one or more serial number or unique code information of the IC card owned by the corporate employee customer.

According to an embodiment of the present invention, the non-face-to-face financial transaction authentication information is received from a program (or an intranet banking module 370 linked with a program) provided in the employee terminal 365 through the intranet server 300. Financial transaction request information (e.g., banking, loan, Internet-only product new, comment transfer, financial transaction request information, such as condolence money transfer using the company information and employee information) is preferably included (or applied) and received.

In addition, the information receiving unit 340 is connected to the interface unit 330, the company information from the program (or intranet banking module 370 in conjunction with the program) provided in the employee terminal 365 via the network means; And receiving financial transaction request information for financial transaction request information, such as banking, loans, new Internet-only products, comment transfers, and interrogation remittances using employee information.

According to an embodiment of the present invention, when the financial transaction is a bank transfer, the account transfer financial transaction request information may include employee account information corresponding to the employee (or predetermined unique information allocated to identify the intranet banking customer). Or at least one or more account transfer financial transaction information input through a user interface for non-face-to-face account transfer using the employee information and the like. Characterized in that it comprises one or more, wherein the bank transfer financial transaction request information is attached to a predetermined electronic signature by a program (or intranet banking module 370 linked with the program) provided in the employee terminal 365 or Can be encrypted.

For example, the at least one financial transaction information input through a user interface for non-face-to-face financial transactions (eg, in the case of bank transfer) using the company information and employee information may include predetermined account transfer amount information and the employee linked account. Among the at least one bank account, the withdrawal account information to be withdrawn, the withdrawal account password, the withdrawal account information with which the bank transfer amount is to be deposited, and the withdrawal bank information with the deposit account opened.

For example, the at least one account transfer financial transaction information input through a user interface for non-face-to-face account transfer using the employee information, etc., may be withdrawn from the predetermined amount of money transfer and the account transfer amount among the employee linked accounts. It is preferable to include at least one withdrawal account information, the withdrawal account password, and at least one depositing side employee account information corresponding to the employee who will receive the deposit amount.

The intranet banking server 325 is provided with a customer authentication unit 345 for authenticating the validity of the intranet banking customer through the non-face-to-face financial transaction authentication information received from the employee terminal 365 through the information receiving unit 340. Characterized in that made.

According to the present invention, the non-face-to-face financial transaction authentication information is predetermined financial transaction request information (for example, financial transaction request information such as banking, loans, new Internet-only products, comment transfers, and interrogation remittances using the company information and employee information). Etc.), the customer authentication unit 345 receives the financial transaction request information (for example, the non-face-to-face financial transaction authentication information included in (or applied to) the financial transaction request information). Confidentiality, Authentication, and Integrity of non-face-to-face financial transactions corresponding to banking, loans, new Internet-only products, comment transfers, and request for financial transactions using company information and employee information) Integrity and Nonrepudiation can be secured.

When the non-face-to-face financial transaction authentication information including intranet banking ID / PW information is received through the information receiver 340, the customer authentication unit 345 stores the received intranet banking ID / PW information and the storage. By comparing the intranet banking ID / PW information included in the employee information stored in the medium, the validity of the intranet banking customer or the financial transaction request information (e.g., banking, loan, Confidentiality, authentication, integrity, and non-repudiation of non-face-to-face financial transactions corresponding to new Internet-only products, financial transaction request information such as comment transfer, and interrogation remittance can be secured.

In addition, the information encrypted through the at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 365 through the information receiving unit 340 When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 345 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. Validate the intranet banking customer or respond to the financial transaction request information (eg, financial transaction request information such as banking, loans, new Internet-only products, comment transfers, condolence remittances, etc. using the company information and employee information). Ensure confidentiality, authentication, integrity and nonrepudiation of non-face-to-face financial transactions.

In addition, when the 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 340, the customer authentication unit 345 receives the reception. The security card information and the security card information included in the customer information stored in the storage medium, thereby validating the intranet banking customer or performing the bank transfer request information (e.g., using the employee information). Confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to bank transfer financial transaction request 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 340, the customer authentication unit 345 may receive information about the storage medium. By generating a predetermined OTP code based on the OTP code generation information included in the stored customer information, and comparing the generated OTP code and the received OTP code, to validate the intranet banking customer, or the financial transaction Confidentiality, authentication, integrity, and non-face-to-face financial transactions corresponding to the requested information (e.g., banking, loans, new Internet-only products, comment transfers, and financial remittance requests, etc.) using the company information and employee information. Non repudiation can be secured.

Meanwhile, referring to FIG. 3, the intranet banking server 325 includes a banking processor 350 for processing a non-face-to-face financial transaction corresponding to the financial transaction request information received through the information receiver 340, and the banking processor. In order to process the non-face-to-face financial transaction corresponding to the financial transaction request information, 350 retrieves at least one or more general ledger information from the general ledger D / B provided in the financial system, or the banking processing unit ( When the non-face-to-face financial transaction is processed by 350, a ledger processing unit 355 for generating ledger information corresponding to the non-face-to-face financial transaction through a predetermined interface means and storing the ledger information in the ledger D / B provided in the financial system. By generating the financial transaction response information including the non-face-to-face financial transaction results corresponding to the financial transaction request information through the interface unit 330 The information transmission unit 335 may be further provided to transmit the program (or the intranet banking module 370 linked with the program) provided in the employee terminal 365 through the intranet server 300.

A predetermined intranet member authentication result is received from the intranet server 300 through the information receiver 340, and is provided in the employee terminal 365 corresponding to the intranet member authentication result through the information receiver 340. From the program (or intranet banking module 370 linked with the program) the financial transaction request information (e.g., banking, loan, Internet-only products new, comment transfer, interrogation remittance, etc. using the company information and employee information) Information, etc.), the banking processing unit 350 requests a financial transaction corresponding to the financial transaction request information to the ledger processing unit 355.

For example, in response thereto, the ledger processing unit 355 transfers the requested financial transaction from the ledger corresponding to the intranet linked account (or customer account) from the ledger D / B provided in the financial system through a predetermined interface means. The information transmitter 335 may generate financial transaction response information including a financial transaction processing result corresponding to the financial transaction request information, and transmit the generated financial transaction response information to the intranet server 300 through the interface unit 330. It is characterized by.

Here, the intranet server 300 is a program (or an intranet banking module for interworking with the program) provided with the financial transaction response information including the financial transaction results corresponding to the received financial transaction request information in the employee terminal 365 ( 370).

The intranet member 300 receives a predetermined intranet member authentication result from the intranet server 300 through the information receiver 340, and the employee from the employee terminal 365 corresponding to the intranet member authentication result through the information receiver 340. Financial transaction request information using information (eg, banking, loans, new Internet-only products, comment transfers, financial transaction request information such as hard payments) using the company information and employee information is received, and the customer authentication unit 345. When the non-face-to-face financial transaction authentication information corresponding to the financial transaction request information is normally authenticated, the banking processor 350 may perform a financial transaction procedure corresponding to the financial transaction request information.

Those skilled in the art of the present invention will be familiar with the technical features of the ledger processing process for withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 355 withdraws the account transfer amount and the account transfer fee corresponding to the financial transaction (for example, in the case of a transfer) from the withdrawal account and deposits the ledger information into the deposit account. It generates and stores in the ledger D / B provided in the financial system through the predetermined interface means, the information transmission unit 335 is the bank transfer financial transaction request information (or financial product subscription application information) Intranet banking module 370 that interoperates with a program (or program) provided in the employee terminal 365 through the interface unit 330 by generating account transfer financial transaction response information including a non-face-to-face financial transaction result corresponding to It is characterized by the transmission to)).

According to another exemplary embodiment of the present invention, the financial transaction request information (for example, banking, loan, new Internet-only product, comment transfer, and financial transaction request information such as hard wire transfer using the company information and employee information, etc.) is included. In the case where the transfer amount information, the withdrawal account information to be withdrawn from the intranet linked account, the withdrawal account password, and at least one account information for depositing the transfer amount, The banking processor 350 extracts the deposit side intranet association account information stored in association with the deposit side intranet account information in association with the storage medium.

If at least two extracted deposit side intranet linked accounts are included (or if no deposit account is specified among at least two deposit side intranet linked accounts), the banking processor 350 may be configured as the employee terminal 365. By providing the extracted deposit side intranet linked account information to a program (or intranet banking module 370 interworking with the program) provided in the request, request to select a predetermined deposit side intranet linked account to which the transfer amount will be deposited. Receiving the selected payment side intranet linked account information from the program (or intranet banking module 370 interworking with the program) provided in the employee terminal 365 through the information receiving unit 340.

At this time, since the received payment side intranet linked account information will be a financial account opened in the bank, the banking processing unit 350 corresponds to the payment account information in connection with the financial system through the ledger processing unit 355 It is advisable to check if a financial account is opened.

In addition, when the banking processing unit 350 includes at least one or more deposit account information to which the financial transaction request information is to be deposited, and the bank account information in which the deposit account is opened, the banking processing unit 350. It is preferable to check the account ledger corresponding to the withdrawal account information through the ledger processing unit 355 to check whether an amount corresponding to the money transfer amount is deposited in the withdrawal account, or the ledger processing unit 355 It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information through).

Thereafter, the banking processing unit 350 calculates a predetermined account transfer fee for withdrawing the account transfer amount from the withdrawal account and depositing it into the deposit account, and the account transfer amount and account transfer to the ledger processing unit 355. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

As those skilled in the art to which the present invention pertains, they will be familiar with the technical features of the ledger process of withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 355 generates ledger information corresponding to the financial transaction and stores the ledger information in the ledger D / B provided in the financial system through the predetermined interface means. The information transmitter 335 may generate financial transaction response information including a non-face-to-face financial transaction result corresponding to the financial transaction request information and transmit the generated financial transaction response information to the intranet server 300 through the interface unit 330. In addition, the intranet server 300 transmits it to a program (or an intranet banking module 370 linked with a program) provided in the employee terminal 365.

Referring to FIG. 3, 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 And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides 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 an embodiment of the present invention, the external system of the financial system is provided with at least one non-face-to-face financial transaction processing function requested from the intranet banking server 325 in association with the intranet banking server 325 through the interface means. For example, it is preferable to include an intranet banking unit for performing the ledger inquiry, or ledger information storage.

Referring to FIG. 3, the financial system is connected to the intranet banking server 325, and the at least one employee terminal 365 connected to a predetermined wired / wireless communication network through the intranet banking server 325. It is preferable to provide a non-face-to-face financial transaction service to at least one or more intranet customers (employees) through the provided program (or an intranet banking module 370 interworking with the program).

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

In more detail, Figure 4 is a program having an intranet banking service function is installed in the employee terminal 365 through the program providing system shown in Figure 1, at least one using a program installed in the employee terminal 365 Regarding the employee certification process for performing the above intranet banking service (for example, banking, lending, new Internet-only products, comment transfer, condolence remittance, etc.), a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the Figure 4 can be inferred various implementation methods for the employee certification process for providing intranet banking services using the program, the present invention comprises all the inferred implementation methods, this figure The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, after a predetermined employee executes / runs a program of an intranet banking service function provided in a terminal, inputs the employee intranet account information through a predetermined account input interface provided by the program. It transmits to the intranet server 300 shown in (400).

According to an embodiment of the present invention, the process of inputting the intranet account information of the employee through the program provided in the terminal and transmitting the intranet account information to the intranet server 300 includes a key provided by the employee in the employee terminal 365. The method may further include inputting the intranet account information through an input unit, or may further include automatically inputting the intranet account information stored in a memory provided in the terminal when the program is executed.

Thereafter, the intranet server 300 compares the intranet account information received from the program provided in the employee terminal 365 with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (405). ).

If the validity of the employee is not authenticated through the intranet account information (for example, the intranet account information received from the employee terminal 365 does not match the intranet account information stored in the employee information D / B) (410) ), The intranet server 300 generates a predetermined employee error result and transmits it to a program provided in the employee terminal 365 (415). In response, the program outputs a validity authentication failure message, and the Terminate without providing intranet banking services (e.g., banking, loans, new Internet-only products, comment transfers, condolences, etc.).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, when the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) 410, the intranet server ( 300 reads the employee information associated with the intranet account information to determine whether the employee is a customer capable of intranet banking (420).

According to the method of the present invention, the intranet server 300 is processed in connection with the intranet account information to check the intranet banking subscription information stored in the employee information D / B, so that the employee information to the intranet banking It is a good idea to verify that you are a registered customer.

If the employee is not subscribed as an intranet banking customer (425), the server is the employee authentication result (e.g., information verifying that the employee is a valid member who can receive at least one intranet service through the terminal). Generate and transmit to a program provided in the terminal (430), and correspondingly the program provided in the terminal activates at least one intranet function provided by the intranet server 300 (435).

On the other hand, if the employee is identified as a customer capable of intranet banking (425), the server is the employee authentication result (e.g., at least one intranet service through the program provided on the terminal) including the intranet account information Information to authenticate that a valid member can be provided) and transmitted to the intranet banking server 325 (440), and the intranet banking server 325 stores the employee authentication result in a predetermined storage medium (445). ).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 325 may be a non-face-to-face banking using at least one or more employee information from the program provided in the terminal to the intranet banking server 325. , Banking, loans, new Internet-only products, comment transfers, conservative remittances, etc.), it is desirable to be used as information to authenticate the validity of the employee.

Thereafter, the intranet server 300 includes the intranet banking subscription (registration) information in the employee authentication result, and transmits the employee authentication result and the accessible employee information to a program provided in the terminal (450), Correspondingly, the program provided in the terminal activates at least one intranet function (eg, e-mail, electronic payment, banking, financial product information, etc.) provided by the intranet server 300, and also subscribes to the intranet banking. The intranet banking function of the intranet function is activated based on the information (employee information registration information) and accessible employee information (455).

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

In more detail, Figure 5 is a program having an intranet banking service function through the program providing system shown in Figure 1 is installed in the employee terminal 365, at least one using a program installed in the employee terminal 365 Regarding the employee certification process for performing the above intranet banking service (for example, banking, lending, new Internet-only products, comment transfer, condolence remittance, etc.), a person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for an employee certification process for providing an intranet banking service using the program may be inferred by referring to or modifying the drawing 5, the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

If one of ordinary skill in the art to which the present invention pertains, refer to or modify the drawing 5, the employee D / B (or storage medium) on the financial system to provide a non-face-to-face intranet banking service to the employee When stored in the ledger D / B, or stored in a predetermined database associated with the ledger D / B, various implementations to check whether the employee is an intranet banking customer in connection with the employee D / B (or storage medium) The method may be inferred, and the present invention is characterized in that it comprises all the methods of inference.

Referring to FIG. 5, a predetermined employee executes / drives a program of an intranet banking service function provided in a terminal, and then inputs the employee intranet account information through a predetermined account input interface provided by the program. It transmits to the intranet server 300 shown in 3 (500).

According to an embodiment of the present invention, the process of inputting the intranet account information of the employee through the program provided in the terminal and transmitting the intranet account information to the intranet server 300 includes a key provided by the employee in the employee terminal 365. The method may further include inputting the intranet account information through an input unit, or may further include automatically inputting the intranet account information stored in a memory provided in the terminal when the program is executed.

Thereafter, the intranet server 300 compares the intranet account information received from the program provided in the employee terminal 365 with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (505). ).

If the validity of the employee is not authenticated through the intranet account information (eg, the intranet account information received from the employee terminal 365 does not match the intranet account information stored in the employee information D / B) (510) ), The intranet server 300 generates a predetermined employee error result and transmits the result to a program provided in the employee terminal 365 (515). In response, the program outputs a valid authentication failure message, End without providing the intranet banking services (eg, banking, loans, new Internet-only products, comment transfers, hard money transfers, etc.).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, when the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) 510, the intranet server ( 300 generates an intranet employee authentication result including intranet account information and transmits the result to the intranet banking server 325 (520).

In response, the intranet banking server 325 checks whether the intranet account information matching the intranet account information is stored in the storage medium, so that the employee is registered as an intranet banking (financial transaction using employee information) customer. Check (525).

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, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of the company's employees, and telephones for wireless terminals owned by the company's employees 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 325 is confirmed that the intranet account information matching the intranet account information is stored in the storage medium, the intranet banking customer of the financial institution that the employee is associated with the company It is desirable to make sure that you are subscribed to.

If the employee is not subscribed as an intranet banking customer (530), the intranet banking server 325 generates intranet banking non-subscription information for the intranet account information and transmits it to the intranet server 300 (535).

Thereafter, the intranet server 300 generates the employee authentication result (for example, information for authenticating that the employee is a valid member who can be provided with at least one intranet service through the terminal) and is provided with a program provided in the terminal ( Or a terminal), and correspondingly, the program (or terminal) provided in the terminal activates at least one intranet function (eg, e-mail, electronic payment, etc.) provided by the intranet server 300. (545).

On the other hand, if the employee is registered as an intranet banking customer (530), the intranet banking server 325 may receive at least one intranet service through the employee authentication result (for example, the employee is provided in the terminal). Information for authenticating a valid member) is stored in a predetermined storage medium (550).

Thereafter, the intranet banking server 325 generates intranet banking subscription information for the intranet account information and transmits the intranet banking subscription information to the intranet server 300 along with the identified accessible employee information (555).

According to an embodiment of the present invention, the employee authentication result and employee information stored in the intranet banking server 325 are non-face-to-face banking using at least one intranet from the program provided in the terminal to the intranet banking server 325. When requested, it is preferably used as information for authenticating the validity of the employee.

In addition, the employee authentication results and accessible employee information stored in the banking server request for non-face-to-face financial transactions, such as banking, loans, new Internet-only products, comment transfers, interrogation remittances, etc. from the program provided in the terminal to the banking server. City, at least one non-face-to-face financial transaction authentication information is preferably used as information for authorizing the processing of the requested non-face-to-face financial transaction.

Subsequently, the intranet server 300 includes the intranet banking subscription information in the employee authentication result and transmits it to a program provided in the terminal (560), and the program provided in the terminal corresponds to the intranet server 300. Activate at least one intranet function (e.g., e-mail, electronic payment, banking, financial product information, etc.) provided by the), and also activate the intranet banking function based on the intranet banking subscription information and employee information ( 565).

6 is a diagram illustrating a non-face-to-face financial transaction authentication process for face-to-face banking using a program according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an intranet banking function through a program provided in an employee terminal 365 connected to the intranet server 300 after performing an employee authentication process as shown in FIG. 4 or FIG. 5. When is activated, based on the activated intranet banking function for performing the non-face-to-face financial transaction authentication process for processing the predetermined non-face-to-face financial transaction (eg, account transfer using employee information, etc.), the present invention Those skilled in the art will be able to infer various implementation methods for the non-face-to-face financial transaction authentication process for non-face-to-face banking using the program by referring to or modifying the present invention. It is made to include all the inferred implementation methods, the technical features of the embodiment shown only in FIG. Not determined

Referring to FIG. 6, when a predetermined employee selects an intranet banking icon or an intranet banking menu corresponding to an intranet banking function activated through the process shown in FIG. 4 or 5 through a program provided in a predetermined terminal ( 600, the program outputs at least one intranet banking item selection user interface, and determines whether a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (605).

According to an embodiment of the present invention, the intranet banking item selection user interface that is output before the non-face-to-face financial transaction authentication process is performed is selected from among at least one intranet banking item corresponding to non-face-to-face banking using the employee information. Intranet banking items that can be processed after performing the non-face-to-face financial transaction authentication process shown in FIG. 6 are preferably deactivated.

For example, before the non-face-to-face financial transaction authentication process is performed, the outputted intranet banking item selection user interface may be based on a predetermined non-face-to-face financial transaction authentication information input item and an employee authentication result shown in FIG. 4 or 5. It is desirable that only intranet banking items corresponding to non-facing non-face-to-face financial transactions (eg, account inquiry, etc.) can be activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (610), the program provided in the terminal can be handled only by the employee authentication result shown in FIG. 4 or 5. The intranet banking item corresponding to the face-to-face financial transaction may be checked and the non-face-to-face financial transaction authentication process may be terminated (615).

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (610), the program provided in the terminal outputs at least one non-face-to-face financial transaction authentication information input user interface, and the user interface In operation 625, at least one non-face-to-face financial transaction authentication information is input.

Here, the non-face-to-face financial transaction authentication information may be ID / PW information for intranet banking for the non-face-to-face financial transaction, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, Or at least one OTP code generated through an OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (630), the program provided in the terminal is the intranet account information and the user input through the process shown in Figure 4 or 5 At least one non-face-to-face financial transaction authentication information input through an interface is transmitted to the intranet banking server 325 through the intranet server 300 (635).

According to another embodiment of the present invention, in place of the intranet account information, the intranet banking server 325 may include predetermined unique information (or unique code) allocated for identifying the intranet banking customer. The present invention is not limited.

For example, the unique information (or unique code), the employee number (or code) information of the company employee, the information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, Member information including a user account (ID) and password of the company employee registered in the company (e.g., company server, etc.), social security number information of the company 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 company employee, and a wireless terminal owned by the company employee. Wireless terminal information, including telephone number or terminal serial number for, and I mounted on or detached from the wireless terminal owned by employees of the company The C chip or the company employee owned and stored in the IC chip, the customer unique information, and the serial number or unique code information of the IC card owned by the company employee customer characterized in that it comprises at least one.

Thereafter, the intranet banking server 325 reads the employee authentication result stored in the intranet banking server 325 through the process shown in FIG. 4 or 5 based on the intranet account information, thereby allowing the non-face-to-face financial transaction. The validity of the employee who transmitted the authentication information is checked (640).

If the validity of the employee who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (640), the intranet banking server 325 generates predetermined non-face-to-face financial transaction authentication error result information to the intranet server 300. 645 is transmitted to the program provided in the terminal through, and correspondingly, the program provided in the terminal deactivates the intranet banking item corresponding to the non-face-to-face financial transaction authentication error result information (650).

If the validity of the employee who transmitted the non-face-to-face financial transaction authentication information is confirmed (640), the intranet banking server 325 uses the intranet banking customer (or the employee information through the non-face-to-face financial transaction authentication information). Non-face-to-face banking) (655).

When the non-face-to-face financial transaction authentication information including the intranet banking ID / PW information is received from the program provided in the terminal through the intranet server 300, the intranet banking server 325 is By comparing the received intranet banking ID / PW information with the intranet banking ID / PW information included in the customer information stored in the storage medium, authenticating the intranet banking customer or non-face-to-face using the employee information. It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of banking.

In addition, at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in an official certificate provided in the employee terminal 365 through the intranet server 300 from the program provided in the terminal. When the non-face-to-face financial transaction authentication information including the encrypted information is received, the intranet banking server 325 receives a predetermined decryption key (eg, a symmetric key, a private key, or a public key) corresponding to the encryption key. Etc.), it is desirable to ensure the validity of the intranet banking customer or to secure confidentiality, authentication, integrity and nonrepudiation for non-face-to-face banking using the intranet.

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 intranet server 300 from the program provided in the terminal, the intranet The banking server 325 compares the received security card information with the security card information included in the customer information stored in the storage medium, thereby validating the intranet banking customer or using non-face-to-face banking using the employee information. It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through an OTP generator provided to the intranet banking customer is received from the program provided in the terminal, the intranet banking server 325 is stored in the storage medium. By generating a predetermined OTP code based on the OTP code generation information included in the customer information, and comparing the generated OTP code and the received OTP code, to validate the intranet banking customer, or to the employee information It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the intranet banking customer (or non-face-to-face banking using the employee information) is not authenticated through the non-face-to-face financial transaction authentication information (660), the intranet banking server 325 may perform a predetermined non-face-to-face financial transaction. The authentication error result information is generated and transmitted to the program provided in the terminal through the intranet server 300 (645). In response, the program provided in the terminal corresponds to the non-face-to-face financial transaction authentication error result information. Disable intranet banking item (650).

On the other hand, if the validity of the intranet banking customer (or non-face-to-face banking using the intranet) is authenticated through the non-face-to-face financial transaction authentication information (660), the intranet banking server 325 receives a predetermined non-face-to-face financial transaction authentication approval result. Generate and transmit the information to the program provided in the terminal via the intranet server 300 (665), and correspondingly, the program provided in the terminal corresponds to an intranet banking item corresponding to the non-face-to-face financial transaction authentication approval result information. Activate (670).

7A, 7B and 7C illustrate a process of providing a non-face-to-face intranet banking service using a program according to an exemplary embodiment of the present invention.

In more detail, FIGS. 7A, 7B, and 7C illustrate a non-face-to-face financial transaction authentication in a program provided in the employee terminal 365 after the non-face-to-face financial transaction authentication process is performed through the process shown in FIG. When the account transfer financial transaction item of the intranet banking items corresponding to the result information is activated, it is a process of processing a non-face-to-face account transfer financial transaction using employee information based on the activated account transfer financial transaction items, Specifically, in the program provided in the employee terminal 365 shown in FIG. 3, the account transfer financial transaction information including at least one of the transfer amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information. The present invention relates to a method of processing the wire transfer financial transaction based on an input user interface.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the non-face-to-face intranet-based account transfer financial transaction process using a program by referring to or modifying the drawings 7a, 7b, and 7c. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIGS. 7A, 7B, and 7C.

7A, 7B, and 7C, an intranet banking icon or an intranet corresponding to an intranet banking function activated by a predetermined employee through a program provided in a predetermined terminal through the process shown in FIG. 4 or 5 When the banking menu is selected (700), the program provided in the terminal checks whether the non-face-to-face financial transaction authentication information is approved through the process shown in FIG. .

If the non-face-to-face financial transaction authentication information is not approved (710), the program outputs at least one intranet banking item selection user interface as shown in FIG. 6, and through the user interface, the non-face-to-face financial transaction authentication information. The process of authenticating authentication information is performed.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (710), the program provided in the terminal outputs the non-face-to-face financial transaction authentication-based intranet banking item selection user interface, and the predetermined non-face through the user interface If the intranet banking item based on face-to-face transaction authentication is selected (715).

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based intranet banking items, all types of non-face-to-face financial transactions that can be provided through the financial system, such as banking, loans, new Internet-only products, comment transfers, hard wire transfers, etc. It is preferable to comprise.

If a predetermined non-face-to-face financial transaction authentication-based intranet banking item is selected through the user interface (720), an intranet linked account (employee account) information request information including the intranet account information is generated by a program provided in the terminal. (725).

According to another embodiment of the present invention, in place of the intranet account information, predetermined information (or unique code) assigned by the server to identify the intranet banking customer is included in the process shown in FIG. 4 or FIG. 5. The present invention is not limited thereto.

Here, the unique information (or unique code), the employee number (or code) information of the company employee, the information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, Member information including a user account (ID) and password of the company employee registered in the company (e.g., company server, etc.), social security number information of the company 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 company employee, and a wireless terminal owned by the company employee. Wireless terminal information including a telephone number or a terminal serial number for the IC, and an IC mounted or detached from the wireless terminal owned by the company's employees And at least one customer's unique information owned by the chip or the company's employees and stored in the IC chip, and at least one serial number or unique code information of the IC card owned by the company's employees.

Thereafter, the program provided in the terminal transmits the intranet linked account information request information to the intranet banking server 325 through the intranet server 300 (730).

According to an embodiment of the present invention, the intranet linked account information request information may be attached or encrypted through a program (or an intranet banking module 370 interworking with a program) provided in the terminal to the intranet server ( 300 may be transmitted to the intranet banking server 325, and correspondingly, the intranet banking server 325 may decrypt the intranet linked account information request information and confirm an attached electronic signature, and Those skilled in the art will be familiar with the technical features of the encryption / decryption function and the digital signature function, and thus a detailed description thereof will be omitted.

Subsequently, the intranet banking server 325 checks the intranet linked account information stored in the storage medium through the intranet account information included in the intranet linked account information request information from the storage medium. To transmit to the program provided in the terminal via the intranet server 300 (735).

According to another exemplary embodiment of the present invention, when the intranet linked account (customer financial account) is one or the intranet linked account information is included in the program (or the intranet banking module 370 linked with the program), The intranet banking server 325 requests the intranet linked account information from the program provided in the terminal, and in response thereto, the intranet linked account information is checked by the intranet banking server 325 and transmitted to the program of the terminal. The process may be omitted, and the present invention is not limited thereto.

Thereafter, the program selects predetermined withdrawal account information from the received intranet linked account information through the intranet server 300, and transfers a non-face-to-face account to the intranet banking server 325 using the employee information. Output a financial transaction (eg, account transfer, etc.) information input user interface including at least one or more of a bank transfer amount, a withdrawal account password, a deposit account information, and a deposit bank information for requesting a financial transaction (740); Based on the account transfer financial transaction information input user interface, it is checked whether the account transfer financial transaction information including at least one of the account transfer amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information is input (745). .

If the account transfer financial transaction information including at least one of the transfer amount, the withdrawal account information, the withdrawal account password, the deposit account information, and the deposit bank information is input (750), the program transfers the intranet account information and the account transfer finance. Generate bank transfer financial transaction request information including transaction information (eg, bank transfer amount, withdrawal account information, withdrawal account password, deposit account information, deposit bank information) (755), and through the intranet server 300 At least one non-face-to-face financial transaction authentication information is included in the generated bank transfer financial transaction request information and transmitted to the intranet banking server 325 (760).

Here, the non-face-to-face financial transaction authentication information may be ID / PW information for intranet banking for the non-face-to-face financial transaction, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, Or at least one OTP code generated through an OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the account transfer financial transaction request information is attached or encrypted through a program (or an intranet banking module 370 linked with a program) provided in the terminal, and the intranet banking server is attached. It is preferable to be transmitted to 325, and correspondingly, the intranet banking server 325 preferably decrypts the wire transfer financial transaction request information and confirms an attached electronic signature, and in the art to which the present invention pertains. Those skilled in the art will be familiar with the technical features of the encryption / decryption function and the digital signature function, and thus a detailed description thereof will be omitted.

According to the exemplary embodiment of the present invention, the process of transmitting the bank transfer financial transaction request information to the intranet banking server 325 through the intranet server 300 is performed through one communication transaction. Or it may be all through at least two communication transactions, by which the present invention is not limited.

Thereafter, the intranet banking server 325 checks the validity of the non-face-to-face financial transaction authentication information included in the wire transfer financial transaction request information (765).

According to the method of the present invention, the wire transfer financial transaction request information includes ID / PW information for intranet banking, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, or It may be received by the intranet banking server 325 including non-face-to-face financial transaction authentication information including at least one or more OTP code generated through the OTP generator provided to the intranet banking customer for non-face-to-face financial transactions, In response, the intranet banking server 325 preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the wire transfer financial transaction request information.

When the non-face-to-face financial transaction authentication information including the intranet banking ID / PW information is included in the wire transfer financial transaction request information according to an embodiment of the present invention, the intranet banking server 325 receives the received intranet banking. By comparing the ID / PW information for the intranet banking ID / PW information included in the customer information stored in the storage medium, thereby validating the intranet banking customer or confidentiality of non-face-to-face banking using the employee information. It is desirable to ensure authentication, integrity and nonrepudiation.

In addition, the encrypted information through the at least one encryption key (eg, symmetric key, public key, or private key) included in the official certificate provided in the employee terminal 365 in the wire transfer financial transaction request information. When the non-face-to-face financial transaction authentication information is included and received, the intranet banking server 325 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, or a public key) corresponding to the encryption key. By doing so, it is desirable to secure the validity of the intranet banking customer or to secure confidentiality, authentication, integrity, and nonrepudiation of non-face-to-face banking using the employee information.

In addition, when the 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 in the wire transfer financial transaction request information, the intranet banking server 325 is received. By comparing the received security card information with the security card information included in the customer information stored in the storage medium, the validity of the intranet banking customer, or confidentiality, authentication, integrity of non-face-to-face banking using the employee information And non-repudiation.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (770), the intranet doubling server generates an account transfer financial transaction error result corresponding to the account transfer financial transaction using the employee information (775), Generates a predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result and transmits it to a program provided in the terminal (780). In response, the program of the terminal transfers the account transfer financial transaction response. The account transfer financial transaction error result included in the information is output (798).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (770), the intranet banking server 325 is shown in Figure 4 or 5 through the intranet account information included in the bank transfer financial transaction request information By reading the employee authentication result stored in the intranet banking server 325 through the process, the validity of the employee who transmitted the non-face-to-face financial transaction authentication information is checked (785).

If the validity of the employee who transmits the non-face-to-face financial transaction authentication information is not confirmed (790), the intranet banking server 325 receives an account transfer financial transaction error result corresponding to the account transfer financial transaction using the employee information. Generate (775), generate a predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result, and transmit the generated bank transfer financial transaction response information to the program of the terminal (780); The account transfer financial transaction error result included in the account transfer financial transaction response information is output (798).

If the validity of the employee who has transmitted the non-face-to-face financial transaction authentication information is confirmed (790), the intranet banking server 325 is a non-face-to-face account transfer financial transaction corresponding to the received account transfer financial transaction request information Process (791).

According to an embodiment of the present invention, the money transfer money transaction information included in the wire transfer finance transaction request information, predetermined money transfer amount information, withdrawal account information to which the money transfer amount of the intranet linked account is withdrawn, and the withdrawal. If the account password, the deposit account information to which the money transfer amount is to be deposited, and at least one deposit bank information in which the deposit account is opened, the server queries the account ledger corresponding to the withdrawal account information. It is preferable to check whether an amount corresponding to the amount of the wire transfer is deposited in the withdrawal account, or it is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information.

In addition, the intranet banking server 325 reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or in the other row, the deposit account is in the bank In the case of opening to the financial system, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system, or if the deposit account is opened in another line, the financial common network in connection with the financial system. It is preferable to check whether the financial account corresponding to the deposit account information is opened in the financial system corresponding to the deposit bank information.

Thereafter, the intranet banking server 325 calculates a predetermined account transfer fee for withdrawing the account transfer amount from the withdrawal account and depositing it into the deposit account, and the account transfer amount and the account transfer fee from the withdrawal account. The ledger processing procedure is withdrawn and deposited into the deposit account.

As those skilled in the art to which the present invention pertains, they will be familiar with the technical features of the ledger process of withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

If a predetermined error occurs while processing the non-face-to-face account transfer financial transaction corresponding to the account transfer financial transaction request information (792), the intranet banking server 325 transfers the account transfer financial transaction using the employee information. Generates an account transfer financial transaction error result corresponding to (775), and generates predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result through the intranet server (300) (1215). The program is transmitted to the program provided in the terminal (780), and correspondingly, the program of the terminal outputs the account transfer financial transaction error result included in the received wire transfer financial transaction response information (798).

On the other hand, if the non-face-to-face transfer transaction corresponding to the bank transfer financial transaction request information is successfully processed (792), the intranet banking server 325 generates predetermined ledger information corresponding to the bank transfer financial transaction processing. In operation 793, the ledger information generated in response to the account transfer financial transaction processing is stored in the ledger D / B on the financial system in association with the financial system.

In the technical field to which the present invention pertains, technical features for storing the ledger information generated by the server in response to the bank transfer financial transaction processing and the ledger information in the ledger D / B on the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the bank transfer financial transaction processing is stored in the ledger D / B on the financial system (795), the intranet banking server 325 corresponding to the account transfer financial transaction using the employee information Generate an account transfer financial transaction approval result (796), and generate predetermined account transfer financial transaction response information including the generated account transfer financial transaction approval result to the terminal through the intranet server (300) 1215. In operation 797, the program of the terminal outputs the result of the wire transfer financial transaction approval included in the received wire transfer financial transaction response information.

According to the present invention, without providing access to banking through the intranet, by providing a program, such as a widget interlocking with the intranet to corporate employees, corporate employees can more conveniently through intranet banking services through programs such as widgets without access to intranet banking The advantage is that you can use the feature.

Claims (4)

Outputting a graphical user interface for intranet banking on an employee terminal desktop; A function of authenticating the validity of the login information of the employee in association with a corporate intranet operation server when the corporate intranet login information of the employee is input through the intranet banking graphical user interface; When the employee login information is validated, the financial information of the employee received through the intranet banking server is output through the intranet banking graphic user interface and the financial transaction request information input through the intranet banking graphic user interface. And a program for executing the function to be transmitted to the financial server through the intranet banking server. According to claim 1, wherein the program, And outputting, via the graphical user interface for intranet banking, corporate information provided through an intranet server. A corporate intranet server interworking with a financial server to process financial transaction information transmission and reception of corporate employees; The financial information of the employees received through the corporate intranet server is output through a graphic user interface installed on the desktop of the employee terminal, and the financial transaction request information input through the graphic user interface is transmitted to the financial server through the intranet server. Intranet banking processing system using a graphical user interface, characterized in that it comprises a program. Providing a graphical user interface providing program for intranet banking interworking with a corporate intranet from a server to a corporate employee terminal; And Intranet banking processing method using a graphical user interface comprising the step of outputting the financial information for the intranet banking of the employee in the server on the desktop of the employee terminal via the graphical user interface.

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