KR20090019037A

KR20090019037A - System and method for managing points accumulating account and program recording medium

Info

Publication number: KR20090019037A
Application number: KR1020070083144A
Authority: KR
Inventors: 최수진
Original assignee: 주식회사 신한은행
Priority date: 2007-08-20
Filing date: 2007-08-20
Publication date: 2009-02-25

Abstract

The present invention relates to a method and system for operating a point earning account (or an account) and a recording medium therefor, wherein the point earning account (or account) operating system according to the present invention collects point information each parent acquires individually. Means and means for transferring the points corresponding to the collected point information to a point earning account (or account) opened in the parent's child's name.

Description

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

1 is a diagram illustrating a system for establishing a face-to-face point accumulation account for earning points each parent acquires according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a point earning account opened in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a process of opening a point earning account for earning points each parent acquires in a face-to-face manner according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a non-face-to-face point earning account opening system for earning points each parent acquires according to another embodiment of the present invention.

5 is a diagram illustrating a ledger configuration corresponding to a point earning account opened in a non-face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a process of opening a point earning account for earning points each parent acquires in a non-face-to-face manner according to one embodiment of the present invention.

7 is a view showing a point earning account operating system for earning points each parent acquires according to an embodiment of the present invention.

8 is a diagram illustrating a point earning account operating process for earning points each parent acquires according to an embodiment of the present invention.

700 points earning account management server 705: points account management

710: information confirmation unit 715: interface unit

720: information transmitter 725: information receiver

The present invention provides a point comprising means for collecting point information each parent acquires individually and means for transferring the points corresponding to the collected point information to a point earning account (or account) opened in the name of the parent's child. It relates to an account (or account) operating system.

Recently, financial institutions (eg, banks) have been developing and providing various types of financial products. In particular, the development of specially connected financial products such as family is recognized as a very important factor for customer acquisition.

On the other hand, in order for the customer (child) to utilize each point provided by the parent, the point must also be prepared to be used through the alliance, etc. It is time to develop financial instruments and provide related services.

An object of the present invention for solving the problem, the step of collecting the point information each parent acquires individually at the server and accumulate the points corresponding to the collected point information in the server in the name of the child of the parent At the time of transferring to the account (or account) and the expiration of the point earning account (or account), the server exchanges the point value deposited in the point earning account (or account) into cash, and then converts the exchange amount into the child of the parent. Transferring to an account opened in the name.

In providing.

Point earning account (or account) operating system according to the present invention, a point earning account established by the parents of the child of the parent and the means corresponding to the point information collected by each parent and the points corresponding to the collected point information Or means for transferring to the (or account).

According to the present invention, the point earning account (or account) operating system, at the time of expiration of the point earning account (or account), after converting the point value deposited in the point earning account (or account) into cash, the exchange amount It further comprises means for transferring to the account opened in the name of the parent of the child.

On the other hand, the point earning account (or account) operating system according to the present invention, the step of collecting the point information that each parent acquires individually in the server and the point corresponding to the collected point information in the server the child of the parent After transferring to the point earning account (or account) opened in the name, and at the time of expiration of the point earning account (or account), the point value deposited in the point earning account (or account) in the server to cash, And transfer the exchange amount to the account opened in the parent's child's name.

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

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

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

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

1 is a diagram illustrating a system for establishing a face-to-face point accumulation account for earning points each parent acquires according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer (for example, a child) prepares a point earning account opening application that includes at least one or more predetermined customer information, parent information and point earning account attribute setting information provided to a predetermined financial institution When the information is submitted to the counter, the financial institution is configured to open the point earning account for earning points, which are individually acquired by the parent of the customer in a face-to-face manner based on the application for opening the point earning account. When the customer fills out the application for opening the point earning account and submits it to the window, the point earning account is linked to a predetermined window terminal provided at the window and the financial company server 100 provided on the point earning account opening system. Earn points and customer information corresponding to the application form The present invention relates to a method for opening a predetermined point earning account for earning points each of which the parent individually acquires based on the application for opening point earning account including at least one piece of account attribute setting information.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 1 to infer various implementation methods for the system of establishing the point earning account for earning points each of the parents individually acquires. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, the point earning account opening application prepared by the customer and the corresponding customer information, the parent information, and the point earning account attribute setting information created by the customer through a predetermined point earning account opening interface on the point earning account opening system shown in FIG. On the basis of the request information for opening the point earning account including at least one or more information, the component corresponding to at least one or more means or functional configuration for opening the point earning account for earning points, each of which is individually acquired by the parent, is referred to as a "financial company server ( 100) ".

Referring to FIG. 1 according to an embodiment of the present invention, a point earning account opening system for earning points each parent individually acquires includes a counter terminal provided in at least one financial institution branch (or branch). Characterized in that it comprises a terminal device, the terminal device is connected to the communication channel and the financial company server 100 provided on the point earning account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer (eg, a child) visits the financial institution branch (branch branch), and through the window provided at the financial institution branch (branch branch) (or through a teller), the predetermined number. Complete an application for opening a loyalty point account (e.g., a document with a form for filling out the at least one item of information), wherein the customer is required to It is desirable to seal the seal.

Subsequently, when the customer submits the created point accumulation account opening application form to the teller, the teller tells the customer information, the parent information, and the point accumulation account attribute setting information written in the point earning account opening application through a predetermined teller terminal. Enter (or select) the point earning account opening application information including at least one, and the counter terminal corresponding to the point earning account opening application information provided on the point earning account opening system through the financial network It is preferable to transmit to the financial institution server 100.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the point earning account opening system as described above, the point earning account opening application created by the customer, the bank terminal used by the employee and the financial network connecting the window terminal and the financial company server 100 is the customer; The point earning account opening interface performs a function of registering a point earning account opening interface.

The financial institution server 100 provided on the point earning account opening system according to the present invention is a generic term for the point accumulation account opening system side component connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

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

According to the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 105 establishes a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 corresponds to the application for opening a point-accounting account. Generate (or extract) at least one user interface for inputting (or selecting) the point earning account opening application information to be transmitted to the financial institution server 100, and generating (or extracting) in connection with the interface unit 105. The interface providing unit 110 for providing the extracted user interface to the terminal device and inputting (or selecting) point earning account opening application information corresponding to the point earning account opening application through the user interface at the terminal device. ) And the point accumulation account transmitted from the terminal device in connection with the interface unit 105. An information receiving unit 115 for receiving establishment application information is provided.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then requests the user interface from the financial institution server 100. Generate (or select) at least one user interface that inputs (or selects) point accumulation account opening application information corresponding to the point accumulation account opening application to the financial institution server 100 through the financial network, or generates a predetermined database. And extracting the generated (or extracted) user interface in cooperation with the interface unit 105 to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, at least one point of inputting (or selecting) point earning account opening application information corresponding to the point earning account opening application is transmitted to the financial company server 100 through the financial network. When a predetermined information registration program having one or more user interfaces is provided, the financial institution server may input (or select) point accumulation account opening application information corresponding to the point accumulation account opening application prepared by the customer as described above. The interface providing unit 110 for generating (or extracting) a user interface to be transmitted to the terminal 100 and providing the terminal to the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) point accumulation account opening application information including at least one of the customer information, the parent information, and the point accumulation account attribute setting information through the user interface. The point earning account opening application information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 and the point is transmitted from the terminal device. Characterized in that the application for receiving the account opening application.

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

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

According to an embodiment of the present invention, the information may further include consent information for opening the point earning account of the customer (child) or consent information for earning the customer point earning account for points acquired by a parent. have.

The point accumulation account attribute setting information may be set as the point accumulation account type (for example, free deposit or withdrawal, savings, etc.) to be opened through the point accumulation account opening application information in order to accumulate points individually acquired by the parent of the customer. Basic attribute information, extended attribute information such as a transfer (or withdrawal) limit amount for the point accumulation account, and the financial instrument associated with the point accumulation account when the point accumulation account is an account linked to an investmentable financial instrument It is preferable to include at least one or more attribute information.

According to another exemplary embodiment of the present invention, when the terminal device transmits the point earning account opening application information corresponding to the point earning account opening application written by the customer through the user interface, the information receiving unit 115 transmits the information. In connection with the interface unit 105, it is possible to receive the point accumulation account opening application information corresponding to the point accumulation account opening application, by which the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the application information for establishing the point accumulation account received from the terminal device through the information receiving unit 115, the received information for establishing the point accumulation account is received from the parent. Characterized in that it comprises a validity authentication unit for confirming whether each satisfies the validity for earning points.

According to an embodiment of the present invention, the validity check of the point accumulation account opening application information is at least one matched with the point accumulation account opening application information on the ledger D / B on the financial system associated with the point accumulation account opening system. It is preferable to include checking whether the above ledger information is registered.

For example, the validity check of the point accumulation account opening application information may include a financial system in which the customer information (customer personal information, member information, etc.) included in the point accumulation account opening application information is linked to the point accumulation account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the point earning account opening application information, the account ledger stored in the ledger D / B on the financial system linked to the point earning account opening system is the customer account information included in the point earning account opening application information It is desirable to include checking that the match with.

In addition, the validation of the point accumulation account opening application information, the parent information (parent personal information, or member information, etc.) of the customer included in the point accumulation account opening application information is associated with the point accumulation account opening system It is desirable to include a check that matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity verification of the point accumulation account opening application information, the account ledger stored in the ledger D / B on the financial system in which the parent account information included in the point accumulation account opening application information associated with the point accumulation account opening system It is desirable to include checking that the match with.

Referring to FIG. 1, when the validity is authenticated through the validity confirming unit 120, the financial institution server 100 receives the point accumulation account opening application information received through the information receiving unit 115. Account opening unit 425 for opening a point earning account of the customer name including the point earning account attribute setting information based on the customer information, parent information and point earning account attribute setting information included in the point earning account opening application information It characterized by comprising a.

When the validity of the point accumulation account opening application information is confirmed by the validity confirming unit 120, the account opening unit 425 includes customer information included in the point accumulation account opening application information in connection with the financial system. Generating a customer ledger (or confirming a customer ledger provided by matching with the customer information), and generating predetermined account ledger information including the point accumulation account attribute included in the point accumulation account opening application information. Afterwards, by storing the account ledger information in a predetermined account ledger associated with the customer ledger, in accordance with the point earning account opening application information, the point earning account for the point earning for each point earned by the parents individually; It is done.

In more detail, FIG. 2 shows an account ledger corresponding to the point accumulation account opened through the point accumulation account opening system shown in FIG. 1 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As illustrated in FIG. 2, a person having ordinary knowledge in the technical field to which the present invention pertains may infer various implementation methods for a ledger configuration corresponding to the point accumulation account by referring to or modifying FIG. 2. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included in the present invention, and you will be familiar with the specific technical matters. Omitted costumes.

The customer ledger is a ledger including customer information included in the application information for opening the point accumulation account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification. Code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, social security number, company address, company phone number, mailing address, account number, president, business type, court Agent, first trade date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the point earning account opened in response to the application for opening the point earning account, and is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a point number, a currency, an opening date, a state, a product. Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, or an account number corresponding to the ledger, a deposit amount, amount Trust reception information including at least one amount, pension date and number of shares, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

In more detail, FIG. 3 is a window terminal in which a terminal device on the point earning account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is connected to a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with a teller terminal, a predetermined customer (eg, a child) includes at least one predetermined customer information, parent information, and point accumulation account attribute setting information. If you fill out an application form for earning a point account and submit it to a window provided at a predetermined financial institution, the financial institution accumulates the points for earning points that are individually acquired by the parent in a face-to-face manner based on the application for opening the point earning account. As a system configuration for opening an account, specifically, the customer applies for opening the point earning account. After filling out the form and submitting it to the counter, the counter terminal inputs (or selects) point accumulation account opening application information corresponding to the point accumulation account opening application, and transmits it to the financial institution server 100, and correspondingly, the financial institution The server 100 generates a predetermined point earning account for earning points, which are individually acquired by the parents, based on the point earning account opening application information including at least one of the customer information, the parent information, and the point earning account attribute setting information. It is about implementation method to establish.

Those skilled in the art to which the present invention pertains may refer to various modifications by referring to or modifying the drawing 3 to provide the application information for opening the point earning account to the financial institution server 100 at the window terminal. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, the parent information, and the point accumulation account attribute setting information transmitted to the financial institution server 100 are referred to as "point accumulation account opening application information" for convenience.

Referring to FIG. 3, when a predetermined customer fills out and submits an application for opening a point accumulation account including at least one of customer information, parent information, and point accumulation account attribute setting information, the counter terminal shown in FIG. When a user interface corresponding to the point accumulation account opening application is requested (300) while accessing the server through a financial network and connecting a predetermined communication channel, the server opens a point accumulation account created by the customer accordingly. Generate (or extract) a user interface for inputting (or selecting) point earning account opening application information including at least one of customer information, parent information, and point earning account attribute setting information corresponding to the application to the server; 305, the generated (or extracted) user interface via the financial network Transmitting and outputting to the terminal (310).

Thereafter, the terminal inputs (or selects) point accumulation account opening application information including at least one of the customer information, parent information, and point accumulation account attribute setting information through the user interface (315).

If the point accumulation account opening application information including at least one of the customer information, the parent information, and the point accumulation account attribute setting information is input (or selected) through the user interface (320), the terminal is connected to the financial network. The input (or selected) point earning account opening application information is transmitted to the server (325).

Thereafter, the server receives and reads the point accumulation account opening application information including at least one of the customer information, the parent information, and the point accumulation account attribute setting information through the financial network, thereby validating the point accumulation account opening application information. Check (330).

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

If the validity of the point earning account opening application information is not authenticated (335), the server generates a predetermined point earning account opening error information and transmits it to the terminal (340), the point earning account opening application information Do not open the corresponding point earning account opening procedure.

On the other hand, if the validity of the point earning account opening application information is authenticated (335), the server generates predetermined account ledger information corresponding to the point earning account opening application information for each point earned by the parents individually; In step 345, after opening the point earning account of the customer name including the account ledger information in connection with the financial system (350), a predetermined point earning account opening history information is generated (or extracted) to the terminal. Send (355).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening point earning account in connection with the financial system (or a customer ledger that is matched with the customer information and is provided in advance. And generate predetermined account ledger information including the point earning account attribute included in the point accumulation account opening application information, and store the account ledger information in a predetermined account ledger associated with the customer ledger. By doing so, it is preferable to open a point earning account for earning points that the parents individually acquire corresponding to the point earning account opening application information.

4 is a diagram illustrating a non-face-to-face point accumulation account opening system for earning points each parent acquires according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates that a given customer (eg, a child) opens a point earning account including at least one of predetermined customer information, parent information, and point earning account attribute setting information through a non-face-to-face point earning account opening interface. When the application information is provided to the financial institution, the system is configured to open a point earning account for earning points, which are individually acquired by the parents, based on the application information for opening the point earning account, specifically, the financial institution. When a customer provides the point earning account opening application information to the point earning account opening system through a non-face-to-face channel, the point earning account opening application is responded to through the financial company server 400 provided on the point earning account opening system. Said customer information and parent information and points The present invention relates to a method of opening a predetermined point earning account for earning points, which are individually acquired by the parents, based on application information for opening point earning account including at least one set of account account setting information.

Those skilled in the art to which the present invention pertains can also deduce the various implementation methods for configuring the point earning account opening system for earning points earned by the parents individually by referring to FIG. 4. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, a point earning account opening application including at least one of the customer information, parent information, and point earning account attribute setting information from the customer through a predetermined point earning account opening interface on the point earning account opening system shown in FIG. 4. At least one or more means for opening the point earning account for the points earned by the parents, respectively, for receiving the information, and the components corresponding to the functional configuration are referred to as "financial company server 400" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a system for establishing a point earning account for earning points for each parent individually includes a terminal device including at least one wired terminal and a wireless terminal used by a customer. Characterized in that the terminal device is connected to the communication channel and the financial institution server 400 provided on the point earning account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 400 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and a wireless terminal connected to a predetermined wireless communication network, and the financial company server When inputting (or selecting) the point earning account opening application information through at least one user interface provided by the 400, the financial institution server provided on the point earning account opening system through a predetermined network means in the client terminal. It is desirable to send to 400.

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

In addition, the wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network of Code Division Multiple Access (CDMA) based (also High-Speed Downlink Packet Access (HSDPA) based), and also to the IEEE 802.16x based portable Internet. A generic term for all terminal devices and all terminal devices connected to an IEEE 802.11x-based wireless LAN. A personal communication system (PCS) connected to the CDMA-based (also HSDPA-based) mobile communication network is also a GSM (Global System for Mobile). communications Terminals Personal Digital Cellular (PDC) Terminals Personal Handyphone System (PHS) Terminals also Personal Digital Assistants (PDAs), Smart Phones, Telematics, or IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the financial company server 400 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, and a TV banking server according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 400 may include a CDMA based (also HSDPA based) mobile communication network, an IEEE 802.16x based mobile Internet, and an IEEE 802.11 according to a wireless communication network type to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 400, and inputs and selects at least one or more information through the user interface to transmit to the financial institution server 400 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 400) are preferably provided.

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

In the point earning account opening system as described above, a client terminal including at least one wired terminal and a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 400 is also wireless. The communication network performs a function of a point earning account opening interface for the customer to register the point earning account opening request information.

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

In the point accumulation account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 400 The financial network for connecting the customer to perform the function of the point earning account opening interface for the customer to register the point earning account opening application information, and if the terminal device is the call terminal (not shown), the call terminal ( Wired network connecting the call terminal (not shown) and the financial company server 400 and a wireless telephone network perform a function of a point earning account opening interface for the customer to register the point earning account opening application information. In addition, in the case of a terminal (also a server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device, The network connecting the terminal (also referred to as server) (not shown) and the terminal (also referred to as server) (not shown) and the financial institution server 400 allows the customer to register the point earning account opening application information. Perform the functions of the open interface.

The financial company server 400 provided on the point earning account opening system according to the present invention is a generic term for the point earning account opening system side component connected to the terminal device through a predetermined network means, and includes at least one server ( Or an apparatus) or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal and a wireless terminal that can be connected to an internet banking server on a predetermined internet banking system, the financial institution server 400 is located on the internet banking system. A predetermined internet banking server, a program included in the internet banking server, a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (also the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 400 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device) A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (also the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 400 may be provided on the telebanking system. A predetermined server (or an automatic response service (ARS) server), a program included in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system). Device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (also the server (or device)), It may also be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 400 is on the TV banking system. A predetermined TV banking server, a program included in the TV banking server, a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (also the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to an embodiment of the present invention, the financial institution server 400 may include an interface unit 405 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal apparatus is a client terminal including a wired terminal connected to a predetermined wired communication network or a wireless communication network or a wireless terminal, the interface unit 405 is defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. A web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) using the HTTP protocol defined in the browser program also provides a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 400, the interface unit 405 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 405 is configured to perform the client on the basis of a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (6 wireless application protocol) or a mobile explorer (ME) protocol, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a web page (eg, a WML (6 wireless markup language) compliant web page, or an HTML compliant web page) also provides a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 400, the interface unit 405 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 405 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 405 is a voice call protocol defined in the wired telephone network and a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 405 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 4, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 400 through the interface unit 405, the financial institution server 400 accumulates predetermined points in the terminal device. Generate (or extract) at least one user interface for inputting (or selecting) account opening application information to the financial institution server 400 and generating (or extracting) the interface in conjunction with the interface unit 405. An interface providing unit 410 for providing a user interface to the terminal device, and when the terminal device inputs (or selects) the point earning account opening application information through the user interface, the interface unit 405 and It is provided with an information receiving unit 415 for receiving the application information for opening the point earning account sent from the terminal device in association with And that is characterized.

The interface providing unit 410 connects a predetermined communication channel with the financial institution server 400 through the interface unit 405, and then requests the user interface to the financial institution server 400, Generate at least one user interface for inputting (or selecting) predetermined point earning account opening application information from the terminal device to the financial institution server 400 through the network means, or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 405 to the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 410 provides a browser program and a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 410 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface providing unit 410 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 410 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 405. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 410 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 405.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined point accumulation account opening application information to the financial institution server 400 through the network means. When a predetermined information registration program is provided, the terminal apparatus is generated (or extracted) by inputting (or selecting) predetermined application information for opening a point accumulation account and transmitting the information to the financial institution server 400 as described above. The interface providing unit 410 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) point accumulation account opening application information including at least one of the customer information, the parent information, and the point accumulation account attribute setting information through the user interface. The accumulated point earning account opening application information to the financial institution server 400 through the network means, and correspondingly, the information receiving unit 415 is connected to the interface unit 405 and the point is transmitted from the terminal device. Characterized in that the application for receiving the account opening application.

According to an embodiment of the present invention, the terminal device opens the point earning account at the financial company server 400 in the point earning account opening application information including at least one of the customer information, the parent information, and the point earning account property setting information. The financial company server through the network means further includes at least one predetermined password for verifying the validity of the application information, security card information, and an OTP code generated through a predetermined one time password (OTP) generator. 400).

According to an embodiment of the present invention, the terminal device may include at least one encryption method (for example, symmetric key-based encryption) for the application for establishing point accumulation account including at least one of the customer information, the parent information, and the point accumulation account attribute setting information. Method, also public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.), or by attaching a predetermined electronic signature to the point accumulation account opening application information. It is preferable to transmit to the financial institution server 400, for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or also provided with a predetermined public certificate including at least one encryption key, In addition, the certificate is a predetermined IC chip (or IC If provided in the de), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal device may include at least one encryption method (for example, symmetric key-based encryption) for the application for establishing point accumulation account including at least one of the customer information, the parent information, and the point accumulation account attribute setting information. Method, and also public key based encryption method, electronic envelope based encryption method, and key exchange based encryption method, etc.) and transmits the encrypted data to the financial institution server 400 through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined public certificate including at least one or more encryption keys, or the public certificate is provided on a predetermined IC chip (or IC card). In this case, check the official certificate provided in the IC chip (or IC card) To be provided with a card reader is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the point accumulation account opening application information and a technology of attaching a predetermined electronic signature to the point accumulation account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

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

According to an embodiment of the present invention, the parent information may further include consent information for opening the point earning account of the customer (child) or consent information for accumulating the customer point earning account for points earned by a parent. have.

Referring to FIG. 4, when the financial institution server 400 receives the point accumulation account opening application information transmitted from the terminal device through the information receiving unit 415, the received point accumulation account opening application information is the parent. Characterized in that it comprises a validity authentication unit for confirming whether each satisfies the validity for earning points.

According to an embodiment of the present invention, the point accumulation account opening application information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, also an electronic envelope based encryption method, also key exchange based encryption method) And the like, the validity authentication unit may include the at least one decryption method (eg, a symmetric key based decryption method and a public key based decryption method) corresponding to the encryption method. Envelope-based decryption method, and key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received application information for earning the point accumulation account.

Alternatively, when a predetermined electronic signature is attached to the point earning account opening application information, the validity verification unit checks the electronic signature attached to the point earning account opening application information, thereby receiving the point earning account opening application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption methods for decrypting the encrypted point earning account opening application information and the electronic signature attached to the point earning account opening application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the point earning account opening request information received through the information receiving unit 415 further includes a predetermined password for checking the validity of the point earning account opening request information, the validity It is preferable that the authentication unit authenticates the validity of the received point accumulation account opening application information by comparing and authenticating a password included in the point accumulation account opening application information and a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the point earning account opening request information received through the information receiving unit 415 further includes predetermined security card information for checking the validity of the point earning account opening request information, the validity authentication unit may include: By comparing and authenticating the received security card information included in the point accumulation account opening application information and the security card information provided corresponding to the customer on the DBMS, it is necessary to authenticate the validity of the received point accumulation account opening application information. desirable.

Alternatively, when the point earning account opening request information received through the information receiving unit 415 further includes a predetermined OTP code for checking the validity of the point earning account opening request information, the validity authentication unit may include the points. By comparing and verifying the received OTP code included in the accumulated account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received point accumulation account opening application information It is desirable to authenticate the validity of the.

Referring to FIG. 4, when the validity is authenticated through the validity confirming unit 420, the financial institution server 400 receives the point earning account opening application information received through the information receiving unit 415. Account opening unit for opening a point earning account in the name of the customer including the point earning account attribute setting information based on the customer information, parent information and point earning account attribute setting information included in the point earning account opening application information (425 It is characterized by comprising a).

When the validity of the point accumulation account opening application information is confirmed by the validity confirming unit 420, the account opening unit 425 includes customer information included in the point accumulation account opening application information in connection with the financial system. Generating a customer ledger (or confirming a customer ledger provided by matching with the customer information), and generating predetermined account ledger information including the point accumulation account attribute included in the point accumulation account opening application information. Afterwards, by storing the account ledger information in a predetermined account ledger associated with the customer ledger, in accordance with the point earning account opening application information, the point earning account for the point earning for each point earned by the parents individually; It is done.

In more detail, Fig. 5 shows an account ledger corresponding to the point earning account opened through the point earning account opening system shown in Fig. 4 in the ledger D / B provided in the DBMS on the financial system shown in Fig. 4. As illustrated in FIG. 5, a person having ordinary knowledge in the technical field to which the present invention pertains can also infer various implementation methods for a ledger configuration corresponding to the point accumulation account by referring to FIG. 5. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 5 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B has at least one ledger (for example, a loan ledger, a mortgage ledger, ...) in addition to the customer ledger and the account ledger shown in FIG. 5 and at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included in the present invention, and you will be familiar with the specific technical matters. Omitted costumes.

The account ledger is a ledger corresponding to the point earning account opened in response to the application for opening the point earning account, and is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a point number, a currency, an opening date, a state, a product. Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; (Months), period (days), period extension, maturity date, and target receiving information including at least one or more, account number corresponding to the ledger, the amount of money, amount Trust reception information including at least one amount, pension date and number of shares, account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. No.), compound transaction, date of settlement, bank account line, summary, and transaction details including at least one of the CIF.

6 is a diagram illustrating a process of opening a point earning account for earning points each parent acquires in a non-face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 6 is a terminal device on the point earning account opening system shown in Figure 4 is a client terminal, the financial institution server 400 has a web server function that can be accessed by the client terminal through a predetermined network means In some cases, if a predetermined customer provides point earning account opening application information including at least one of customer information, parent information, and point earning account attribute setting information through the client terminal to open a point earning account, the points In the earning account opening system, a predetermined point earning account for earning points, which is individually acquired by the parents, based on the point earning account opening application information including at least one of the customer information, the parent information, and the point earning account attribute setting information. About how to conduct As a person skilled in the art to which the present invention pertains, various embodiments of the present invention may also be modified with reference to FIG. 6 to provide the application information for opening the point earning account opening information from the client terminal to the financial institution server 400. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, the method shown in FIG. 6 includes a process of generating a predetermined electronic document corresponding to the point accumulation account opening application information and storing the electronic document in an electronic document storage, but the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, the embodiment shown in Figure 6 is that the client terminal receives the user interface for inputting (or selecting) the application information for opening the point earning account through a predetermined web page provided by the financial institution server 400. Although illustrated and described, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 400, and the present invention is not limited thereto.

Hereinafter, in FIG. 6, the client terminal illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the financial institution server 400 illustrated in FIG. 4 is referred to as a “server” for convenience. The customer information, the parent information, and the point accumulation account attribute setting information transmitted to 400 are referred to as "point accumulation account opening application information" for convenience.

Referring to FIG. 6, the client terminal illustrated in FIG. 4 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based ( In addition, HSDPA-based mobile communication network, IEEE 802.16x-based portable Internet, IEEE 802.11x-based wireless LAN, etc.) to access the server to connect a predetermined communication channel, and request a web page including the user interface (600) In response, the server inputs (or selects) point accumulation account opening application information including at least one of the customer information, the parent information, and the point accumulation account attribute setting information, and transmits it to the server. Generating (or extracting) a webpage comprising 605 and generating (or extracting) via the network means And transmits to output the web page including a user interface to the mobile station 610. The

According to the exemplary embodiment of the present invention, the process of transmitting the web page to the terminal and outputting the web page from the server is preferably performed at least once according to the procedure for registering the information for opening the account for earning the points, thereby limiting the present invention. No.

Thereafter, the terminal inputs (or selects) point earning account opening application information including at least one or more customer information, parent information, and point earning account attribute setting information through the user interface included in the web page (615).

If the terminal inputs (or selects) the point accumulation account opening application information including the customer information, the parent information, and the point accumulation account attribute setting information through the user interface (620), the terminal receives the communication channel. The input (or selected) the customer information, the parent information and the point earning account attribute setting information is transmitted to the server (625).

According to an embodiment of the present invention, the terminal is effective on the point earning account opening application information in the server to the point earning account opening application information including at least one of the customer information, parent information and point earning account attribute setting information. It is preferable to further include at least one or more of a predetermined password for verifying the security information and also the security card information and the OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for applying for point accumulation account opening application information including at least one of the customer information, parent information, and point accumulation account property setting information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the point accumulation account opening application information. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. If your IC chip (or IC card) It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for applying for point accumulation account opening application information including at least one of the customer information, parent information, and point accumulation account property setting information. In addition, it is preferable to encrypt using a public key based encryption method, an electronic envelope based encryption method, and also a key exchange based encryption method) and transmit the same to the server through the network means. The at least one encryption key or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), the IC chip ( Or a card reader to check the certificate To be preferred.

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

Thereafter, the server receives and reads the customer information, the parent information, and the point accumulation account attribute setting information through the communication channel to check the validity of the point accumulation account opening application information (630).

According to an embodiment of the present invention, the point accumulation account opening application information is at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, also an electronic envelope based encryption method, also key exchange based encryption method) And the like, the server may be configured to at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, and an electronic envelope) corresponding to the encryption method. Based decryption method, and also based on key exchange based decryption method), it is preferable to authenticate the validity of the received application information for earning the point accumulation account.

Alternatively, when a predetermined electronic signature is attached to the point accumulation account opening application information, the server verifies the electronic signature attached to the point accumulation account opening application information, thereby validating the received point accumulation account opening application information. It is desirable to authenticate.

According to an embodiment of the present invention, if the server further includes a predetermined password for checking the validity of the point accumulation account opening application information in the received point accumulation account opening application information, the server accumulates the points. It is preferable to authenticate the validity of the received point accumulation account opening application information by comparing and authenticating a password included in the account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the server further includes predetermined security card information for confirming the validity of the point accumulation account opening application information in the received point accumulation account opening application information, the server requests to open the point accumulation account opening. By comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received application information for earning the point accumulation account.

Alternatively, when the server further includes a predetermined OTP code for checking the validity of the point earning account opening application information in the received point earning account opening application information, the server may request the point earning account opening application information. By comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS, the validity of the received point earning account opening application information is authenticated It is desirable to.

In addition, the validation of the point accumulation account opening application information, the parent information (parent personal information, or member information, etc.) of the customer included in the point accumulation account opening application information is associated with the point accumulation account opening system It is desirable to include checking that it matches the customer ledger stored in the ledger D / B on the financial system.

If the validity of the point earning account opening application information is not authenticated (635), the server generates a web page including a predetermined point earning account opening error information and transmits it to the terminal (640), the point earning Do not open an account.

On the other hand, if the validity of the point earning account opening application information is authenticated (635), the server generates predetermined account ledger information corresponding to the point earning account opening application information for the points earned by the parents, respectively; In operation 645, after opening a point earning account of the customer's name including the account ledger information in connection with the financial system (650), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal. (655).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the application information for opening point earning account in connection with the financial system (or a customer ledger that is matched with the customer information. Confirming), generating predetermined account ledger information including the financial account attribute included in the point accumulation account opening application information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, In response to the point accumulation account opening application information, it is preferable to open a point accumulation account for earning points that the parents individually acquire.

7 is a view showing a point earning account operating system for earning points each parent separately according to the embodiment of the present invention.

In more detail, FIG. 7 operates a point earning account opened through the point earning account opening system shown in FIG. 1 or 4 based on the account ledger provided in the financial system. The system configuration for achieving the points earned by the parents, respectively, based on the application information for opening the point earning account stored in the storage medium through, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the above, it will be possible to infer various implementation methods for the point earning account management system for earning points each parent acquires individually, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the point earning account operating system is provided with a financial account ledger corresponding to the point earning account opened through the point earning account opening system shown in FIG. 1 or 4. A storage medium storing the system, the storage medium for storing the application information for establishing the point earning account, and operating the point earning account based on the account ledger in association with the financial system; It is characterized by consisting of a point earning account management server that periodically checks (or extracts) the points each parent acquires individually, and accumulates the confirmed (or extracted) points in the point earning account.

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

In addition, the point earning account management server is a point earning account operating server on the point earning account opening system shown in Figure 1 or Figure 4, or in connection with the point earning account management server shown in Figure 1 or Figure 4 It may be a separate server for operating the point earning account, or the points earned by the parents individually to the opened point account, by which the present invention is not limited.

In addition, in FIG. 7, a function configuration for operating the point earning account based on the account ledger in connection with the financial system is provided to the point earning account operation server, and the point earning account opening application information stored in the storage medium periodically. Although it is shown as including all of the functional configuration to achieve the points earned by each parent to acquire individually, but by this the invention is not limited, the point earning account management server is a separate server for each functional configuration It is clearly to be understood that this may be accomplished through (or a device).

The financial system is a general term of a computer system having an account ledger corresponding to the point account opened through the point earning account opening system shown in FIG. 1 or 4, and basically a branch (or a branch) of the financial institution. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, 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. 7, 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.

The storage medium, through the point earning account opening system shown in Figure 1 or Figure 4 for storing the point earning account opening application information including at least one or more of the customer information, parent information and point earning account attribute setting information As a generic term of storage means, the storage medium is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or on at least one banking system, according to the intention of the skilled person. All of them may be provided, and in FIG. 7, the point management history information including the point accumulation and the point cash exchange is stored in the storage medium.

Referring to FIG. 7, the point earning account management server, the point account management unit for operating the point earning account opened through the point earning account opening system shown in FIG. 1 or 4 in connection with the financial system Characterized in that it is provided, the point account management unit can be made of at least two or more functional components (or means) in accordance with the intention of those skilled in the art, by which the present invention is not limited.

The point account manager checks (or extracts) point information associated with the parent information (obtained by the parent) in response to the parent information of the customer included in the point accumulation account opening application information in connection with the financial system. In addition, the earned (or extracted) point information is characterized in that the earning process to the point earning account.

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

In addition, the point account management unit in connection with the storage medium (or the ledger corresponding to the point account on the financial system) checks whether the expiration of the point earning account, and when the expiration of the point earning account is confirmed, the point It is characterized in that the exchange of the value of the points accumulated in the earned account to the corresponding cash, and the deposit cash processed in the account of the customer name.

Referring to Figure 7, the point earning account management server, while the point account management unit is operating the point earning account corresponding to the point earning account in connection with the financial system for earning points each parent is individually acquired And characterized in that it comprises an information confirmation unit for confirming the application information for opening point earning account in connection with the storage medium.

Referring to FIG. 7, the point earning account management server includes an interface unit for connecting and managing a predetermined customer terminal and a predetermined communication channel through a predetermined communication network for earning points that the parents individually acquire, and the interface. And an information transmitting unit for transmitting the point operation details to the customer terminal in association with the unit, and an information receiving unit for receiving point operation history request information from the customer terminal in association with the interface unit.

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

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the point earning account management server, the interface unit connects a communication channel with the client terminal based on the TCP / IP protocol. It 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 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit is predetermined based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the point earning account management server, the interface unit connects a communication channel with the client terminal based on the CDMA protocol. It 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 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit is based on a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to connect a communication terminal (not shown) with a predetermined communication path and provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit may be configured based on the protocol stack defined in the TV banking system. Or a communication interface for connecting at least one communication channel with a predetermined communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or the interactive digital TV). It is desirable to provide.

In more detail, FIG. 8 is based on the account ledger provided in the financial system to operate the point earning account opened through the point earning account opening system shown in FIG. Through the points earning account opening application information stored in the storage medium through the point earning account management system shown in Figure 7 for the system configuration for earning the points earned by the parents individually to the opened point earning account as In the technical field to which the present invention pertains, various embodiments of the present invention can be inferred by referring to or modifying the drawing of FIG. However, the present invention includes all implementation methods inferred from the above. Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the point earning account operation server shown in FIG. 7 will be referred to as a 'server' for convenience.

Referring to FIG. 8, the server periodically checks (or extracts or receives) point information corresponding to the parent information of the customer who opened the point earning account (800).

Thereafter, the server accumulates points corresponding to the checked (or extracted or received) parent information in the customer point earning account (805).

If a point is successfully accumulated in the customer point earning account (810), the server checks whether the point earning account expires (815), when the expiration of the point earning account (820), the server At 825, the points accumulated in the point earning account are exchanged for cash.

On the other hand, the server transfers the exchanged cash to the account of the customer name (830), and transmits the point operation history to the customer terminal (835).

According to the present invention, in order to utilize each point provided by the parent to the customer (child), there is an advantage that the point can also be used to provide a condition that can be integrated and used through cooperation.

In addition, by providing a single point provided by the customer parents to the child, there is an advantage that it is possible to provide financial products to a specific unit such as a family.

Claims

Means for collecting point information each parent acquires individually; And

And means for transferring the points corresponding to the collected point information to a point accumulation account (or account) opened in the name of the child of the parent.

The method of claim 1,

Means for converting, in cash, the value of points deposited in the point earning account (or account) upon expiration of the point earning account (or account), and transferring the exchange amount to an account opened in the name of the parent's child. Point earning account (or account) operating system, characterized in that made by.

Collecting point information acquired by the parent from the server individually; And

Transferring a point corresponding to the collected point information from a server to a point earning account (or account) opened in the parent's child's name;

At the time of expiration of the point accumulation account (or account), the server converts the point value deposited in the point accumulation account (or account) into cash, and then transfers the exchange amount to the account opened in the name of the parent's child. Point earning account (or account) operating method characterized in that it comprises a.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.