KR20090020968A - System and method for transferring gift certificate account and program recording medium - Google Patents

Abstract

A system and a method for transferring a gift certificate account and program recording medium are provided to transfer the gift certificate value corresponding to the request for the server. A system for transferring a gift certificate account includes an information receiving unit receiving the transfer dealing request information of gift certificate value from the client, information of the gift certificate value to be transferred, and the gift certificate value reception account information; the information verifying units which verifies whether the gift certificate value is possible or not; the financial transaction process units transferring the gift certificate value corresponding to the transfer dealing request to the gift certificate value reception account.

Description

System and Method for Transferring Gift Certificate Account and Program Recording Medium}

1 is a diagram illustrating a system for establishing a face-to-face gift certificate account for depositing a blank gift certificate value in a gift certificate account according to an exemplary embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

3 is an embodiment in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention includes a database associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating the method.

FIG. 4 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for depositing a blank voucher value in a gift voucher account according to another exemplary embodiment of the present invention.

9 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

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

FIG. 11 is a diagram illustrating an embodiment of a method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention.

12A and 12B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value into a gift certificate account in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account according to one embodiment of the present invention.

14 is a diagram illustrating a face-to-face financial transaction system for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to an embodiment of the present invention.

15 illustrates a ledger configuration corresponding to a gift certificate account provided in a financial system for a face-to-face financial transaction for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to the method of the present invention. Drawing.

FIG. 16 is a diagram illustrating a process of processing a financial transaction for transferring a gift certificate deposited in a customer gift certificate account in a face-to-face manner according to an embodiment of the present invention to another customer's gift certificate account.

17 is a diagram illustrating a non-face-to-face financial transaction system for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to an embodiment of the present invention.

18 illustrates a ledger configuration corresponding to a gift certificate account provided in a financial system for a non-face-to-face financial transaction for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to an embodiment of the present invention. One drawing.

19 is a non-face-to-face transfer of a gift certificate deposited in a customer voucher account to another customer's voucher account in the non-face-to-face for transfer processing of the gift certificate deposited in the customer voucher account according to an embodiment of the present invention A diagram illustrating a process of processing a financial transaction for.

20A and 20B illustrate a gift voucher of another customer in which the gift voucher deposited in the customer voucher account in a non-face-to-face manner is transferred to the voucher deposited in the customer voucher account according to another embodiment of the present invention. 2 is a diagram illustrating a process of processing a financial transaction for transfer processing.

<Description of main parts of drawing>

1400: financial transaction server 1405: interface unit

1410: interface providing unit 1415: information receiving unit

1420: information transmission unit 1425: validation unit

1430: financial transaction processing unit 1435: financial transaction terminal

The present invention is a request for transfer processing of a gift certificate value (or gift certificate) from the customer holding a gift certificate passbook-the transfer processing request including the gift certificate value (or gift certificate) information and the gift certificate value (or gift certificate) receiving account information Information receiving means for receiving information, and information checking means for confirming whether a gift certificate value (or gift certificate) receiving account included in the received transfer request information is an account capable of depositing a gift certificate value (or gift certificate); As a result, when the gift certificate value (or gift certificate) receiving account is an account capable of depositing the gift certificate value (or gift certificate), the gift certificate value (or gift certificate) corresponding to the transfer processing request is transferred to the gift certificate value (or gift certificate) receiving account. The present invention relates to a gift certificate bank transfer processing system including a financial transaction processing unit.

The development of information and communication technology and financial industry, together with the development of modern society, provide people with various forms of financial products.

Among them, the purchase of goods using cash or the purchase of goods using a credit card is a problem, but in the case of cash, there is a problem in that a large amount of money is held in a wallet, and in the case of a credit card, there is a problem of indiscriminate use. .

To solve this problem, there is a voucher similar to a check, and there is a method of depositing it in an account.

However, when depositing a gift certificate in the account, there is a problem that it is difficult to provide a transfer service between the gift certificate passbook because there is no product called a current gift certificate passbook.

In addition, through the gift voucher to provide the child in the form of allowance for each unit period, but the service is not yet, so the situation that needs to solve this part.

An object of the present invention for solving the above problems, the transfer request information of the gift certificate value (or gift certificate) deposited in the gift certificate bank book from the customer holding the gift certificate bank on the server-the gift certificate value (or gift certificate) information and the gift certificate value (or Receiving a gift certificate value (or gift certificate) included in the received transfer request information at the server, and receiving a gift certificate value (or gift certificate) from the server. Checking whether the gift voucher value (or gift voucher) is a depositable voucher value (or voucher) account, the voucher value (or gift voucher) corresponding to the transfer processing request in the server; A method for processing a gift voucher pass that includes transferring the value (or gift voucher) to an account. In the gongham.

The gift certificate bank transfer processing system according to the present invention receives the transfer processing request information of the gift certificate value (or gift certificate) deposited in the gift certificate bankbook-the gift certificate value (or gift certificate) information and the gift certificate value (or gift certificate) of the gift certificate value (or gift certificate) deposited in the gift certificate account book. Information receiving means for receiving transfer processing request information including account information, and checking whether a gift certificate value (or gift certificate) receiving account included in the received transfer processing request information is an account capable of depositing a gift certificate value (or gift certificate); If the information confirming means and the result of the confirmation indicate that the gift voucher value (or gift voucher) is an account capable of depositing the gift voucher value (or voucher), the voucher value (or voucher) corresponding to the transfer processing request is determined by the voucher value (or voucher). Gift certificate) characterized in that it comprises a financial transaction processing means for processing transfer to the receiving account do.

In the gift certificate bank transfer processing system according to the present invention, the financial transaction processing means, if the gift certificate value (or gift certificate) receiving account is an account that is not possible to deposit a gift certificate value (or gift certificate), the customer's gift certificate bank account After generating a predetermined virtual account using the account corresponding to or the voucher value (or gift certificate) receiving account as a parent account, transfer the gift certificate value (or gift certificate) corresponding to the transfer processing request to the generated virtual account It is characterized by.

In the gift certificate bank transfer processing system according to the present invention, the gift certificate value (or gift certificate) receiving account is a virtual account having an account corresponding to the gift certificate account of the customer as a parent account.

On the other hand, the voucher bank transfer processing method according to the present invention, the transfer request information of the voucher value (or voucher) deposited in the voucher passbook from the customer holding the voucher passbook on the server-the voucher value (or voucher) information and the voucher value ( Or (voucher) receiving the transfer processing request information including the receiving account information, and the voucher value (or voucher) receiving account included in the received transfer processing request information at the server is capable of depositing the voucher value (or voucher). Checking whether the account is an account, and if the receiving gift certificate value (or gift certificate) account is an account capable of depositing a gift certificate value (or gift certificate), the server recognizes the gift certificate value (or gift certificate) corresponding to the transfer processing request. Characterized in that it comprises the step of processing the transfer to the gift certificate value (or gift certificate) receiving account do.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described gift certificate bank transfer processing method.

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

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

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

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

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the present invention is described as using a gift certificate account in which a blank gift certificate value is deposited, but a gift certificate which is not a blank gift certificate value may be deposited in the gift certificate account. The present invention is not limited by this.

1 is a diagram illustrating a system for establishing a face-to-face gift certificate account for depositing a blank gift certificate value in a gift certificate account according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 shows that when a given customer fills out an application for opening a gift certificate account including at least one of predetermined customer information, financial product information, and issueable gift certificate information, and submits it to a window provided at a predetermined financial institution. A financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account corresponding to the application for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account. Regarding the system configuration stored in the medium 180, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account Various implementation methods for the system configuration can be inferred, but the present invention It includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic document storage request electronic document is stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method for generating the gift certificate account opening application electronic document as shown in Figure 1, generating a gift certificate account opening application electronic document corresponding to the gift certificate account opening application on the server side on the gift certificate account opening system The present invention is not limited by this, but the present invention is not limited thereto, and the electronic gift certificate application electronic document is generated by a terminal that has acquired image content corresponding to the gift certificate account opening application through a predetermined image acquisition device. (Eg, the electronic document generating function provided on the server side is provided on the terminal side to generate the gift certificate account opening application electronic document), and the present invention is not limited thereto.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, the customer opens the gift certificate account in response to the gift certificate account opening application and the gift certificate account opening application information prepared by the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for generating a corresponding gift certificate account opening application electronic document and storing it in a predetermined electronic document repository are referred to as " financial company server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a terminal including a window terminal provided at at least one branch (or branch) of a financial institution. It comprises a device 195, the terminal device 195 is connected to the communication channel and the financial company server 100 provided on the gift certificate account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for depositing a blank gift certificate value in the gift certificate account, and through a window (or counter employee) provided at the financial institution branch branch (branch branch). Via the voucher account to fill out an application for opening a given voucher account for depositing a blank voucher value (e.g., a document with a form for filling in at least one item of information for the blank voucher value deposit in the voucher account). In this case, the customer is to seal the seal of the customer for the legal basis for the application for opening the gift certificate account.

Subsequently, when the customer submits the created gift certificate account opening application to the teller, the teller scans the gift certificate account opening application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal is opened. Input (or select) image information obtained in response to the gift certificate account opening application and information on opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information written on the gift certificate account opening application. Correspondingly, the counter terminal transmits the image content and the gift certificate account application information to the financial company server 100 provided on the gift certificate account opening system through the financial network.

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 on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the gift voucher account opening system as described above, an image acquisition device for acquiring image contents corresponding to the gift voucher account opening application created by the customer, the teller terminal used by the employee, the teller terminal and the financial company server 100. The connecting financial network performs a function of a financial account opening interface for the customer to register a gift certificate account opening application information for depositing a blank gift certificate value in the gift certificate account.

The storage medium 180 provided on the gift certificate account opening system according to the present invention stores the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 195. Characterized in that for storing the gift certificate account information including at least one or more.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

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). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the gift voucher account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the gift voucher account opening system according to the present invention is a generic term for the component of the gift voucher account opening system connected to the terminal device 195 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined window 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) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 blanks the gift certificate account. Application for opening a gift certificate account corresponding to the gift certificate account opening application is obtained by acquiring image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device included in the terminal device 195 for depositing a gift certificate value. Generate (or extract) at least one user interface for inputting (or selecting) information and transmitting it to the financial institution server 100, and generating the generated (or extracted) user interface in conjunction with the interface unit 105. The interface providing unit 110 provided to the terminal device 195, and the terminal device 195 through the user interface Information for receiving the gift certificate account opening application information transmitted from the terminal device 195 in connection with the interface unit 105 when inputting (or selecting) the gift certificate account opening application information corresponding to the gift certificate account opening application. When the receiver 115 and the terminal device 195 acquire and transmit image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, the interface unit 105. It is characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the application for opening the gift certificate account in connection with).

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105 and then connects to the financial institution server 100 to the gift certificate account. When requesting a user interface for depositing a blank gift certificate value, an image content corresponding to a gift certificate account opening application created by the customer is obtained through a predetermined image acquisition device included in the terminal device 195, and the gift certificate account opening application form is requested. Create (or select) a gift certificate account application information corresponding to the at least one user interface for transmitting to the financial institution server 100 through the financial network, and / or from a predetermined database (not shown) And extract the generated (or extracted) user interface in conjunction with the interface unit 105 in the financial network. Through it characterized in that it provides to the terminal device 195. The

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device, and opens a gift certificate account corresponding to the gift certificate account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information and transmitting the information to the financial institution server 100 through the financial network is provided, obtaining a predetermined image as described above. Obtain an image content corresponding to the gift certificate account opening application prepared by the customer through the device, input (or select) the gift certificate account opening application information corresponding to the gift certificate account opening application to transmit to the financial institution server 100. Create (or extract) a user interface to the terminal 195 The providing interface providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 195 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface, and inputs (or selects) the information. The gift certificate 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 transmitted from the terminal device 195 in association with the interface unit 105. Characterized in that for receiving the gift certificate account opening application information.

In addition, the terminal device 195 obtains the image content corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to an application for opening a gift certificate account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 195 stores image content corresponding to a gift certificate account opening application written by the customer and the gift certificate account opening application information corresponding to the gift certificate account opening application through the user interface. When transmitting together, the information receiver 115 may receive the image content corresponding to the gift certificate account opening application and the gift certificate account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the gift certificate account opening application information transmitted from the terminal device 195 through the information receiving unit 115, the received gift certificate account opening application information is displayed. The gift certificate account is characterized in that it is provided with a validity verification unit 125 for checking whether the validity for depositing the blank gift certificate value.

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and opens the gift certificate account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined gift certificate account opening application electronic document including the received image content and the generated gift certificate account opening application electronic document to the gift certificate account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generation unit 130 may generate a gift certificate account opening application electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 blanks the image file including the image content received from the terminal device 195 through the image receiving unit 120 to the gift certificate account. It is advisable to process the electronic voucher application for the gift voucher account for the gift voucher value deposit.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to the image content including at least one of customer information, financial product information, and issueable gift certificate information by watermarking It is preferable to generate.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for a gift certificate account to deposit a gift certificate value.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more of customer information, financial product information, and issueable gift certificate information by watermarking, and include a predetermined document file (eg, PDF (Portable) including the generated image content. A blank gift certificate value to the gift certificate account by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to create an electronic document for the application for opening a gift certificate account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the application information for opening a gift certificate account, or MHT By generating a web document file, including), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document including image information including at least one or more of customer information, financial product information, and issueable gift certificate information by watermarking, and including the generated image content and application information for opening the gift certificate account. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), In the gift certificate account, it is preferable to generate an electronic document for a gift certificate account opening for depositing a blank gift certificate value.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate an electronic document voucher account opening request electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic vouchers for electronic vouchers, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the electronic certificate opening application request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to the financial institution server 100 on the gift voucher account opening system through a predetermined communication means, and the electronic document server 155 and the electronic document D / B 175. When provided externally, the electronic document transmission unit 135 is the electronic document server 155 to the electronic voucher account opening application electronic document generated by the electronic document generation unit 130 through the communication means It characterized in that the transmission to.

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the gift certificate account opening system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic voucher registration application electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 135 may use the electronic document related information (eg, a gift certificate account corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 155. The information on the financial institution that transmits the electronic certificate for opening the gift certificate account, and / or the electronic document file format information, and / or the application information for opening the gift certificate account, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. If authenticated, the information generation unit 140 for generating the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information for opening the gift certificate account, which has been validated, and the financial account information. It is characterized in that it comprises an account opening section 145 for opening and processing a financial account in the name of the customer.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 125, the information generating unit 140 includes customer information, financial product information, and issueable gift certificate information included in the gift certificate account opening application information. Based on the generated financial account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account establishment unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gift certificate account opening application information. A predetermined financial account for depositing a blank gift certificate value is formed in the account.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 185 exist in the same system, the account opening unit 145 is linked with the financial system 185 to ledger D / B. It is desirable to create a predetermined ledger at 190 that includes financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. It is preferable to request the ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through an external system on the financial system 185.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. When the information is authenticated, information storage for storing the gift certificate account information including at least one or more of the customer information, the account attribute information, and the issueable gift certificate information included in the application information for opening the gift certificate account for which the validity is verified is stored in a predetermined storage medium 180. It is characterized by comprising a portion 150.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 125, the information storage unit 150 includes the customer information, account attribute information, and issueable gift certificate included in the gift certificate account opening application information. And storing the gift certificate account information including at least one information in the storage medium 180.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 180. Preferably, the storage medium 180 stores the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the received gift certificate account opening application information.

According to another embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the information storage unit 150 is included in the received gift certificate account opening application information. Providing the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information to an information system through an external system on the financial system 185 and storing it in a DBMS provided on the financial system 185. It is desirable to.

Referring to FIG. 1, an electronic document which receives a predetermined gift certificate account opening application electronic document from the financial institution server 100 provided on the gift certificate account opening system and stores and manages it in a predetermined electronic document D / B 175. The server 155, the electronic document receiving unit 160 for receiving a predetermined gift certificate account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received gift certificate account opening request electronic document An information generation unit 165 for generating predetermined electronic document management information for storing and managing in the document D / B 175, and the electronic document management information and the gift certificate account opening application electronic document are processed in a predetermined manner. It is characterized in that it comprises an electronic document storage unit 170 for storing in the document D / B (175).

The electronic document receiving unit 160 is characterized in that for receiving from the financial institution server 100 through the communication means electronic document voucher account opening request in the form of an image file and / or document file.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the gift certificate account opening application electronic document received through the communication means for the image content received by the financial institution server 100 from the terminal device 195. It is preferable that the image file is included as it is.

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document through the communication means, the financial institution server 100 request information to open the gift certificate account in the image content received from the terminal device (195). It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, issueable gift certificate information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the gift certificate account opening application electronic document received through the communication means is the image content received by the financial institution server 100 from the terminal device (195) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document received through the communication means in the image content received by the financial institution server 100 from the terminal device 195 to the application information to open the gift certificate account. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) containing image content including at least one or more of the included customer information, financial product information, and issueable gift certificate information by watermarking. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the gift certificate account opening application electronic document received through the communication means the image received by the financial institution server 100 from the terminal device (195) A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and application information for opening a gift certificate account; Or a web document file including the MHT).

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document received through the communication means in the image content received by the financial institution server 100 from the terminal device 195 to the application information to open the gift certificate account. Image content including at least one or more of the included customer information, financial product information, and issueable gift certificate information in a watermarking manner, and a predetermined document file (eg, PDF (Portable) containing the application information for opening the gift certificate account. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

The information generation unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 160, and through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time at which the gift certificate account opening request electronic document was received (or a date and time at which the gift certificate account opening request electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 165 opens the gift certificate account with reference to the financial institution server 100 that has transmitted the electronic document receiving application electronic document received through the electronic document receiving unit 160. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the gift certificate account opening application information).

The electronic document storage unit 170 processes an electronic document management application generated through the electronic document receiving unit 160 and electronic document management information generated through the information generating unit 165 in a predetermined electronic document. It is characterized in that the storage in the D / B (175).

According to the exemplary embodiment of the present invention, the financial institution server 100 requests the electronic device storage 170 to store the gift certificate account opening request stored in the electronic document D / B 175 in the terminal device 195. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the electronic document storage unit 170 stores the electronic certificate D / B 175 in the electronic certificate storage application request electronic document is the image content received by the financial institution server 100 from the terminal device (195). It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account in a watermarking method. .

According to another embodiment of the present invention, the electronic document storage unit 170 stores the electronic certificate D / B (175) application for opening a voucher account electronic document is the financial company server 100 is the terminal device (195) A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the electronic document storage application 170, the electronic document storage application request document opening electronic document stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) A predetermined document file (eg, PDF (Portable Document) including image content including at least one or more of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information in a watermarking manner. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic certificate D / B (175) application for opening a gift certificate account electronic document is the financial company server 100 is the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the image content received from 195 and the application information for opening the gift certificate account. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage application 170, the electronic document storage application request document opening electronic document stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) Image files including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information by watermarking, and a predetermined document file including the application information for the gift certificate account opening. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening request application electronic document, opens the gift certificate account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening application request document is the gift certificate account. It is preferable that the financial institution server 100, which has transmitted the opening application electronic document, further includes information on the financial institution which has confirmed the gift certificate account opening application electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the connection with the electronic document opening application electronic document and the The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or the gift certificate account opening request). And financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or application information for opening a gift certificate account.

2 is a diagram illustrating an implementation method in which a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner is provided in a DBMS on a financial system 185 according to an embodiment of the present invention. .

In more detail, in FIG. 2, the storage medium 180 illustrated in FIG. 1 is the ledger D / B 190 provided in the DBMS on the financial system 185 or the ledger D / B 190. In this case, as the information structure for an embodiment of the method for storing the gift certificate account information in the ledger information provided in the ledger D / B (190), if the person of ordinary skill in the art While referring to and / or modifying the drawing 2 may infer various information configuration methods for storing the gift certificate account information in the ledger D / B 190, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 190 provided in the DBMS on the financial system 185 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, which is common knowledge in the art. If the person having, the ledger D / B 190 provided in the DBMS on the financial system 185, at least one ledger (for example, the ledger, loan ledger, collateral) in addition to the customer ledger and account ledger shown in FIG. Ledger, ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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.

Referring to FIG. 2, the storage medium 180 includes the ledger D / B 190 or an implementation method provided in the ledger D / B 190 according to an embodiment of the present invention. The addition of the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided through the gift certificate account opening system shown in FIG. Characterized in that it is stored in the form of information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. Preferably, at least one of information, discount rate (or premium rate) information, and the like is included.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

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). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to another exemplary embodiment of the present invention, the application information for opening the gift certificate account is stored in the form of information included in the account ledger (not shown), and / or in another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 illustrates a ledger D / B 190 having a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 185. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 190 included in the DBMS on the financial system 185. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the present invention account information is stored in a predetermined database by referring to and / or modifying the present invention. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the gift certificate account information in the ledger information of the ledger D / B 190 on the DBMS provided on the financial system 185 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 190 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 185), the gift certificate account in a predetermined database instead of the ledger D / B 190 It shows an implementation method of storing the information, the database and the ledger D / B (190) in a cooperative process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 190 provided in the DBMS on the financial system 185 according to another embodiment of the present invention. And gift voucher account information including at least one of the customer information, account attribute information, and issueable gift voucher information included in the application information for opening a gift voucher account, wherein the voucher account information is the ledger D / B (190). It is preferable that the gift certificate account information further comprises a CIF number corresponding to the ledger information in order to be linked to the).

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) (e.g., interest from fund investment, savings or savings account) Partial (or all) of or the principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

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). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention. to be.

In more detail, FIG. 4 shows that the storage medium 180 shown in FIG. 1 is provided with an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a banking server. Those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the present invention. Although it may be possible to infer the information configuration method for the gift certificate account information stored in a predetermined DBMS, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening the gift certificate account. And gift voucher account information including at least one of the customer information, account attribute information, and issueable voucher information included therein.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (for example, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by the institution signing up as a gift certificate issuer to be issued through the gift certificate account; It is preferable to include at least one member ID information, or CIF (Customer Information File), etc. provided in the customer ledger provided on the linked financial system 185.

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). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

5A and 5B illustrate a process of opening a gift certificate account for depositing blank gift certificate values in a gift certificate account in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 195 on the gift certificate account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer may open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. A system for creating a gift certificate account, the financial institution may open and process a gift certificate account based on the application for opening the gift certificate account. Specifically, when the customer completes the gift certificate account opening application form and submits it to the counter, The terminal acquires a predetermined image content corresponding to the gift certificate account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 100, and then applies the gift certificate account opening application information corresponding to the gift certificate account opening application. When the input (or selection) is transmitted to the financial institution server 100, the financial institution server 100 based on the application information to open the gift certificate account that includes at least one of the customer information, financial product information, issueable gift certificate information. The implementation method of opening and processing the said gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information in order to deposit a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server generates a user interface for acquiring the predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and transmitting the predetermined image content to the server (or 505), and the generated (or extracted) through the financial network And outputs to send the user interface to the mobile station 510. The

Thereafter, the terminal acquires image content corresponding to the gift certificate account opening application through a predetermined image obtaining apparatus based on the user interface (515).

If image content corresponding to the gift certificate account opening application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) a gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information corresponding to the application for opening a gift certificate account matching the image content to the server. A user interface for transmission is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (540).

If the application information for opening a gift certificate account including at least one of the customer information, the financial product information, and the issueable gift certificate information is input (or selected) through the user interface (545), the terminal transmits the server through the financial network. In step 550, the application information for opening the gift certificate account is input (or selected).

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. (555).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and a gift certificate account corresponding to the gift certificate account opening application information Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (560), the server generates a predetermined gift certificate account opening application electronic document including the image content (570).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to image content including at least one or more information of issueable gift certificate information in a watermarking manner. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more of the issueable gift certificate information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or Opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an application electronic document.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of issueable gift certificate information by a watermarking method, and a predetermined document file (for example, PDF (s) including the generated image content and the application information for opening a gift certificate account). A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for applying for a gift voucher account for value deposit.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a gift certificate account opening request electronic document in the image file format and / or a predetermined document file format, and the gift certificate account opening request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate 585.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (590).

According to an embodiment of the present invention, the server is connected with the financial system 185 to generate a customer ledger including customer information included in the application for opening a financial account (or matched with the customer information, and is provided in advance. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, Correspondingly, a predetermined financial account for depositing a blank gift certificate value is opened in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the gift certificate account information including at least one or more of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the gift certificate account and storing it in a predetermined storage medium 180 ( 595)

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. The gift certificate account information including at least one of attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 185 and stored in a DBMS provided on the financial system 185.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) details of storing the gift certificate account application information in step 599 and transmitting it to the terminal (599).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the gift voucher account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device 195 on the gift voucher account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account. If a user prepares and submits a gift certificate account opening application including at least one of information, financial product information, and issueable gift certificate information, the financial institution opens and processes a gift certificate account in a face-to-face manner based on the application for opening a gift certificate account. Specifically, when the customer fills out the application form for opening the gift certificate account and submits it to the counter, After the counter terminal inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application to the financial institution server 100, a predetermined image corresponding to the gift certificate account opening application is obtained through a predetermined image acquisition device. Acquiring the image content of the financial institution server 100 and transmitting the image content to the financial institution server 100 based on the application information for opening the gift certificate account including at least one of the customer information, the financial product information, and the issueable gift certificate information. The implementation method of opening and processing the said gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application form for opening a gift certificate account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and issueable gift certificate information transmitted to the financial institution server 100 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information in order to deposit a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server inputs (or selects) a gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information corresponding to the gift certificate account opening application prepared by the customer. Generate (or extract) a user interface for transmission to the server (60) 5) In operation 610, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (615).

If the application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information is input (or selected) through the user interface (620), the terminal transmits the server through the financial network. In step 625, the application information for opening a gift certificate account is input (or selected).

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. (630).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening request information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and a gift certificate account corresponding to the gift certificate account opening application information. Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (635), the server acquires predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the gift certificate account opening application through a predetermined image obtaining apparatus based on the user interface (655).

If image content corresponding to the gift certificate account opening application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the gift certificate account opening application information and the image content from the terminal generates a predetermined gift certificate account opening application electronic document including the image content (670).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to image content including at least one or more information of issueable gift certificate information in a watermarking manner. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more of the issueable gift certificate information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or Opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an application electronic document.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of issueable gift certificate information by a watermarking method, and a predetermined document file (for example, PDF (s) including the generated image content and the application information for opening a gift certificate account). A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for applying for a gift voucher account for value deposit.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a gift certificate account opening request electronic document in the image file format and / or a predetermined document file format, and the gift certificate account opening request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate 685.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. Open account (690).

According to an embodiment of the present invention, the server is connected with the financial system 185 to generate a customer ledger including customer information included in the application for opening a financial account (or matched with the customer information, and is provided in advance. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, Correspondingly, a predetermined financial account for depositing a blank gift certificate value is opened in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the gift certificate account information including at least one or more of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the gift certificate account and storing it in a predetermined storage medium 180 ( 695)

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. The gift certificate account information including at least one of attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 185 and stored in a DBMS provided on the financial system 185.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the gift voucher account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the gift voucher account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account. If a user prepares and submits a gift certificate account opening application including at least one of information, financial product information, and issueable gift certificate information, the financial institution opens and processes a gift certificate account in a face-to-face manner based on the application for opening a gift certificate account. Specifically, when the customer fills out the application form for opening the gift certificate account and submits it to the counter, After obtaining a predetermined image content corresponding to the gift certificate account opening application through a predetermined image acquisition device at a window terminal, inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application, the image When the content and the gift certificate account opening application information are transmitted to the financial institution server 100, the financial institution server 100 application information for opening the gift certificate account including at least one or more of the customer information, financial product information, and issueable gift certificate information. It shows an implementation method of opening and processing the gift certificate account based on.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 7A and 7B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and issueable gift certificate information transmitted to the financial institution server 100 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer fills out and submits an application for opening a gift certificate account including at least one of customer information, financial product information, and issueable gift certificate information for depositing a blank gift certificate value in the gift certificate account, The window terminal shown in FIG. 1 requests a user interface for depositing a blank gift certificate value to a gift certificate account corresponding to the application for opening a gift certificate account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. In response, the server inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application written by the customer in the terminal, and inputs the gift certificate account opening application through a predetermined image acquisition device. Acquiring and transmitting corresponding image content to the server Generating a user interface (or extract), and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface (715).

If the application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information is input (or selected) through the user interface (720), the terminal is determined based on the user interface. An image content corresponding to the gift certificate account opening application is obtained through the image acquisition device of the controller 725.

If image content corresponding to the gift certificate account opening application is obtained through the image obtaining apparatus (730), the terminal transmits the gift certificate account opening application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial network, and confirms the validity of the gift certificate account opening application information. 740.

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening request information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and a gift certificate corresponding to the gift certificate account opening application information. Do not open an account.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (745), the server generates a predetermined gift certificate account opening application electronic document including the image content (755).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to image content including at least one or more information of issueable gift certificate information in a watermarking manner. .

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more of the issueable gift certificate information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or Opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an application electronic document.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of issueable gift certificate information by a watermarking method, and a predetermined document file (for example, PDF (s) including the generated image content and the application information for opening a gift certificate account). A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for applying for a gift voucher account for value deposit.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a gift certificate account opening request electronic document in the image file format and / or a predetermined document file format, and the gift certificate account opening request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generate 770.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked with the financial system 185 to finance the customer's name including the financial account information based on the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the gift certificate account information including at least one of the customer information, the account attribute information, and the issueable gift certificate information included in the application information for opening the gift certificate account and storing it in a predetermined storage medium 180 (780). )

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 180.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. The gift certificate account information including at least one of attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 185 and stored in a DBMS provided on the financial system 185.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (The details of storing the gift certificate account opening application information) is generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) the gift voucher account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for depositing blank voucher values in a gift voucher account according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides the financial institution with application information for opening a gift certificate account including at least one of predetermined customer information, financial product information, and issueable gift certificate information through a predetermined financial account opening interface. The financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account in a predetermined storage medium 875. The present invention relates to a system configuration for storing, and to those skilled in the art to which the present invention pertains, a system for opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account by referring to and / or modifying FIG. Various implementation methods may be inferred, but the present invention is inferred from the above Includes any method embodiment, it shall not be limited to the exemplary method shown in the figure 8.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 8. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the gift certificate account opening request electronic document is illustrated as being generated on the server side on the gift certificate account opening system, but the present invention is not limited thereto. The electronic document for requesting to open a gift certificate account may be generated on the terminal side which inputs (or selects) the gift certificate account opening request information (for example, the electronic document generating function provided on the server side is provided on the terminal side to provide the gift certificate). Create an account opening request electronic document), by which the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of the person skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, receiving the gift certificate account opening application information from the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. 8, the customer opens the gift certificate account, and the predetermined gift certificate corresponding thereto. A component corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 890 including at least one, the terminal device 890 is a communication channel with the financial institution server 800 provided on the gift certificate account opening system through a predetermined network means Is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) a gift certificate account opening application information for depositing a blank gift certificate value into the gift certificate account through at least one user interface provided by the financial institution server 800, the client terminal may transmit the application information through a predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the gift certificate account opening system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a 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 to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on CDMA (Code Division Multiple Access) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE A generic term for all terminal devices 890 connected to the 802.16x-based portable Internet and / or all terminal devices 890 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

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

In the system for opening a gift certificate account as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 800, and And / or the wireless communication network functions as a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the terminal device 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / 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, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the gift certificate account opening system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 800 performs a function of a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account, and / or the terminal device 890. Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 is the customer gift certificate. Perform a function of a financial account opening interface for registering a gift certificate account application information for depositing a blank gift certificate value in an account, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the device 890, the terminal (and / or server) (not shown) and the terminal (and / or server). The network connecting the financial company server 800 (not shown) performs a function of a financial account opening interface for registering a gift certificate account opening application information for the customer to deposit a blank gift certificate value in the gift certificate account.

The storage medium 875 provided on the gift certificate account opening system according to the present invention stores the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 890. Characterized in that for storing the gift certificate account information including at least one or more.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (eg, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885. The present invention is not limited thereby.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the gift voucher account opening system according to the present invention is a generic term for the components of the gift voucher account opening system connected to the terminal device 890 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system 880 through the Internet banking system. A foreign system on the financial system 880 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 880, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 880 through the wireless banking system. A server provided in the external system on the financial system 880 that is a program in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial bank 880 of the financial system 880 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 880, and / or a program provided in the external system on the financial system 880, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 880 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 880, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 via the network means.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a 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. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for 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 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements 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 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 a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 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 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when a predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 blanks the gift certificate account. Generating (or extracting) at least one user interface for inputting (or selecting) predetermined gift certificate account opening application information from the terminal device 890 to deposit the gift certificate value, and transmitting it to the financial institution server 800; An interface provider 810 for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the gift certificate through the user interface in the terminal device 890. When the account opening application information is input (or selected) and transmitted, the gift certificate account opening new transmission transmitted from the terminal device 890 in association with the interface unit 805 is performed. And an information receiving unit 815 for receiving green information.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then transfers the gift certificate account to the financial institution server 800. When requesting a user interface for depositing a blank gift certificate value, the terminal device 890 inputs (or selects) predetermined application information for opening a gift certificate account and transmits the information to the financial institution server 800 through the network means. One or more user interfaces are generated and / or extracted from a predetermined database (not shown), and the terminal device 890 is generated (or extracted) in conjunction with the interface unit 805 via the network means. It is characterized by providing in).

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. 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 automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined gift certificate account opening application information into the terminal device 890 to be transmitted to the financial institution server 800 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined gift certificate account opening application information and transmitting it to the financial institution server 800 as described above. The interface providing unit 810 provided to the device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the user interface, and inputs (or selects) the information. The gift certificate account opening application information is transmitted to the financial institution server 800 through the network means. In response, the information receiving unit 815 is transmitted from the terminal device 890 in association with the interface unit 805. Characterized in that the received information on the application for opening the gift certificate account.

According to an embodiment of the present invention, the terminal device 890 opens the gift certificate account at the financial institution server 800 in the application information for opening a gift certificate account including at least one of the customer information, the financial product information, and the issueable gift certificate information. At least one or more of a predetermined password and / or security card information for confirming the validity of the application information and / or an OTP code generated through a predetermined one time password (OTP) generator; It is preferable to transmit to the financial institution server (800).

According to an exemplary embodiment of the present invention, the terminal device 890 may include at least one encryption method (eg, a symmetric key based application information) for opening a gift certificate account application information including at least one of the customer information, financial product information, and issueable gift certificate information. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. In addition, it is preferable to transmit to the financial institution server 800 through the network means, for this purpose, the terminal device 890 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one or more A predetermined public certificate including an encryption key is provided, and / or the public certificate has a predetermined IC chip (and When provided in the IC card, it is preferable that a card reader for confirming the official certificate provided in the IC chip (or IC card) is provided.

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

Referring to FIG. 8, when the financial institution server 800 receives the gift certificate account opening application information transmitted from the terminal device 890 through the information receiving unit 815, the received gift certificate account opening application information is received. The gift certificate account is characterized in that it comprises a validity verification unit 820 for checking whether the validity for depositing the blank gift certificate value.

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 820 includes at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted gift certificate account application information. / Or public key based decryption scheme, and / or envelope-based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the validity verification unit 820 checks the electronic signature attached to the gift certificate account opening application information, thereby receiving the received gift certificate account opening application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted gift certificate account opening application information, and a technology for confirming an electronic signature attached to the gift certificate account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the gift certificate account opening application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the gift certificate account opening application information, the validity confirming unit In step 820, it is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the validity checking unit 820 Is to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the gift certificate account opening application information with the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the validity checking unit 820 may include: By comparing and verifying the received OTP code included in the gift certificate 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 gift certificate account opening application information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 8, when the validity of the gift certificate account opening application information is authenticated through the validity checker 820, the financial institution server 800 includes a predetermined gift certificate account including the received gift certificate account opening application information. An electronic document generation unit 825 for generating an opening application electronic document, and an electronic document transmission unit 830 for transmitting the generated gift certificate account opening application electronic document to an electronic document repository associated with the gift certificate account opening system. Characterized in that made.

The electronic document generating unit 825 generates a gift certificate account opening application electronic document including the gift certificate account opening application information received from the terminal device 890 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including an MHT, etc.) is preferably processed as an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information received through the information receiving unit 815. The document content includes at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account in a watermarking manner, and then includes the watermarking content. A document file (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ) Should be processed as an electronic document for the application to open a gift certificate account for depositing blank gift certificate value in the gift certificate account. .

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information received through the information receiving unit 815. And a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process it as an electronic document.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information received through the information receiving unit 815. And the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account in the image content (for example, the image content generated by capturing the document content on a memory). After including at least one of the information in the watermarking (Watermarking) method, the image file containing the image content including the watermarking process as a gift certificate account electronic application for depositing a blank gift certificate value in the gift certificate account It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include at least customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). A blank gift certificate value to the gift certificate account by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is advisable to treat this as an electronic document for filing a gift voucher account for the deposit.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information received through the information receiving unit 815. And the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account in the image content (for example, the image content generated by capturing the document content on a memory). Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or MHT. By creating a file such as a Web document) it is preferably treated with a voucher account opening application electronic document for depositing the blank, voucher value in the voucher account.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 stores customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815. A predetermined content including document content including at least one document content and image content (eg, image content generated by capturing the document content on a memory) and application information for opening the gift certificate account; By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the gift certificate account application information received through the information receiving unit 815. And the customer information, financial product information, and issueable gift certificate information included in the application information for opening the gift certificate account in the image content (for example, the image content generated by capturing the document content on a memory). Generating image content including at least one or more of the information by a watermarking method, and a document file (for example, PDF (Portable Document Format)) containing the image content including the watermarking and the application information for opening a gift certificate account; War that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By creating a file processor, or the web document file including MHT and the like), it is preferable to apply processing to an electronic document voucher account opening for depositing the blank, voucher value on the voucher account.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825, the technical characteristics of generating a gift certificate account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic vouchers for electronic vouchers, so the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the electronic certificate opening request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 8, the electronic document repository is connected to the financial institution server 800 on the gift voucher account opening system via a predetermined communication means, and the electronic document D / B 870 is provided. When provided externally, the electronic document transmission unit 830 is the electronic document server 850 generated by the electronic document generating unit 825 the electronic document server through the communication means the electronic document server 850 It characterized in that the transmission to.

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside of the gift certificate account opening system, the electronic document server 850 and the electronic document D / B 870 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmission unit 830 may be configured to generate the electronic document generation unit 825. It is possible to store the electronic voucher registration application electronic document in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the gift certificate account opening application information) for generating predetermined electronic document management information in the electronic document server 850. (Optional) customer information transmitted, and / or financial institution information for transmitting the gift certificate account application electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 has a validity for depositing a gift certificate account application information received through the information receiving unit 815 to deposit a blank gift certificate value in the gift certificate account through the validity verification unit 820. If the authentication is successful, the information generating unit 835 for generating the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application certificate opening application information that has been validated, and the financial account It is characterized in that it comprises an account opening section 840 for opening and processing a financial account in the name of the customer containing information.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 820, the information generating unit 835 includes customer information, financial product information, and issueable gift certificate information included in the gift certificate account opening application information. Based on the generated financial account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account opening unit 840 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 880 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gift certificate account opening application information. And opening a predetermined financial account for depositing blank gift certificate value in the account.

When the financial institution server 800 and the financial system 880 exist in the same system according to an exemplary embodiment of the present invention, the account opening unit 840 is linked with the financial system 880 to ledger D / B. It is preferable to generate a predetermined ledger in the 885 including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 880 exist on another system connected through a predetermined communication means, the account opening unit 840 may use predetermined communication. It is desirable to request, via means of external means on the financial system 880, to make a ledger D / B 885 on the other financial system 880 to create a predetermined ledger containing the financial account information.

Referring to FIG. 8, the financial institution server 800 has a validity for depositing a gift certificate account application information received through the information receiving unit 815 to deposit a blank gift certificate value in the gift certificate account through the validity verification unit 820. When the authentication is successful, information for storing the gift certificate account information including at least one or more of the customer information, account attribute information, and issueable gift certificate information included in the application certificate opening application information for which the validity is authenticated, in a predetermined storage medium 875. It is characterized by comprising a storage unit 845.

When the validity of the gift certificate account opening application information is confirmed by the validity confirmation unit 820, the information storage unit 845 is the customer information and account attribute information, issueable gift certificate included in the gift certificate account opening application information The gift certificate account information including at least one information is stored in the storage medium 875.

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 875. Preferably, the storage medium 875 stores the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the received gift certificate account opening application information.

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in a DBMS provided on the financial system 880, the information storage unit 845 is included in the received gift certificate account opening application information. Providing the gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information to an information system through an external system on the financial system 880 to store in a DBMS provided on the financial system 880. It is preferable.

Referring to FIG. 8, an electronic document which receives a predetermined gift certificate account opening application electronic document from the financial institution server 800 provided on the gift certificate account opening system and stores and manages it in a predetermined electronic document D / B 870. The server 850 includes an electronic document receiving unit 855 for receiving a predetermined gift certificate account opening request electronic document from the financial institution server 800 through a predetermined communication means, and the received gift certificate account opening request electronic document. An information generation unit 860 for generating predetermined electronic document management information for storing and managing in the document D / B 870, and the electronic document management information and the electronic certificate for opening a gift certificate account. And an electronic document storage unit 865 for storing in the document D / B 870.

The electronic document receiving unit 855 is characterized in that for receiving an electronic document to open a gift certificate account in the form of an image file and / or document file from the financial institution server 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 855 may receive a gift certificate account opening request electronic document received through the communication means, and the financial institution server 800 may open a gift certificate account received from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or document file) containing document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information; or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. At least one or more of customer information, financial product information and issueable gift certificate information included in the application information for opening a gift certificate account in document content including at least one financial product information and issueable gift certificate information. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one financial product information and issueable gift certificate information. It is preferable.

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. And image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one financial product information and issueable gift certificate information. After including at least one or more information of the customer information, financial product information, issueable gift certificate information in a watermarking (Watermarking) method, and preferably comprises an image file including the image content including the watermarking.

According to another embodiment of the present invention, the electronic document receiving unit 855 receives the gift certificate account opening application electronic document received through the communication means is a gift certificate account received by the financial institution server 800 from the terminal device 890 Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. And image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one financial product information and issueable gift certificate information. A document file (eg, PDF) that generates image content including at least one or more of the registered customer information, financial product information, and issueable gift certificate information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 855 receives the gift certificate account opening application electronic document received through the communication means the gift certificate received by the financial institution server 800 from the terminal device 890 Image content that captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the account opening application information (eg, image content generated by capturing the document content on a memory). And a predetermined document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing a gift certificate account application information. Web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. And image information (eg, image content generated by capturing the document content on a memory) that captures document content including at least one financial product information and issueable gift certificate information. Generating image content including at least one or more of the customer information, the financial product information, and the issueable gift certificate information by a watermarking method, and including the image content including the watermarking and application information for opening the gift certificate account. Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic Data Interchan) ge) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 855, and through the electronic document receiving unit 855 And generating electronic document management information including electronic document storage date and time information including a date and time at which the gift certificate account opening request electronic document was received (or a date and time at which the gift certificate account opening request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 860 opens the gift certificate account with reference to the financial institution server 800 which has transmitted the electronic document receiving application electronic document received through the electronic document receiving unit 855. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 855, the information generating unit 860 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the application information for opening a gift certificate account, and / or financial institution information for transmitting the gift certificate account opening request document, and / or electronic document file format information, and And / or the electronic document management information further including the gift certificate account application information).

The electronic document storage unit 865 associates a gift certificate account opening application electronic document received through the electronic document receiving unit 855 with electronic document management information generated through the information generating unit 860 to process a predetermined electronic document. It is characterized in that the storage in the D / B (870).

According to the exemplary embodiment of the present invention, the financial institution server 800 stores the electronic device storage 865 in the electronic document D / B 870, and the electronic institution storage application electronic document is stored in the electronic document D / B 870. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) containing document contents including at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from the electronic device). Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. The document content including at least one of customer information, financial product information, and issueable gift certificate information included in the information includes at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account. After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. And at least one word processor file or web document file including MHT).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. Image data captured (eg, image content generated by capturing the document content on a memory) including document information including at least one or more of customer information, financial product information, and issueable gift certificate information included in the information. It is preferable to include an image file.

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. The gift certificate is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the information. After including at least one or more information of the customer information, financial product information, issueable gift certificate information included in the account opening application information in a watermarking method, including an image file including the image content including the watermarking; It is preferable to make.

According to another embodiment of the present invention, the electronic document storage unit 865 is stored in the electronic document D / B (870), the electronic document voucher application request electronic document is the financial institution server 800 is the terminal device 890 Image content (e.g., capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. The gift certificate is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the information. Generating image contents including at least one or more of customer information, financial product information, and issueable gift certificate information included in the account opening application information by a watermarking method, and including the image content including the watermarking; At least a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores the electronic certificate D / B (870) in the electronic voucher account opening application electronic document is the financial institution server 800 is the terminal device ( Image content (eg, capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account received from 890. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content) and the application information for opening the gift certificate account. A word processor file, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. The gift certificate is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and issueable gift certificate information included in the information. Generate image content including at least one or more of customer information, financial product information, and issueable gift certificate information included in the account opening application information by a watermarking method, and the image content and the gift certificate including the watermarking. Document file containing the account opening application information (for example, Portable Document Format (PDF) file, or EDI (Electronic Data Intercha) nge) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the electronic document opening request electronic document is stored in the electronic certificate opening account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by processing the electronic document storage unit 865 in association with the electronic document opening request electronic document is the gift certificate account. The financial institution server 800 that has transmitted the opening application electronic document preferably further includes information on the financial institution that has transmitted the application for opening the gift certificate account.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 865 processes the connection with the electronic certificate opening application electronic document and the The electronic document management information stored in the electronic document D / B 870 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the application information for opening the gift certificate account, and / or the gift certificate account). Financial institution information for transmitting the opening application electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account, etc.).

9 illustrates an implementation method in which a storage medium 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner is provided in a DBMS on a financial system 880 according to an embodiment of the present invention. Drawing.

In more detail, in FIG. 9, the storage medium 875 shown in FIG. 8 is the ledger D / B 885 provided in the DBMS on the financial system 880, or is provided in the ledger D / B 885. In this case, as shown in the information structure for an embodiment of the method for storing the gift certificate account information in the ledger information provided in the ledger D / B 885, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although it is possible to infer various information construction methods for storing the gift certificate account information in the ledger D / B 885 by referring to and / or modifying the drawing 9, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 885 provided in the DBMS on the financial system 880 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 885 provided in the DBMS on the financial system 880 includes at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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.

Referring to FIG. 9, the storage medium 875 includes the ledger D / B 885 or the implementation method provided in the ledger D / B 885 according to an embodiment of the present invention. Additional information added to the account ledger with gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application information provided through the gift certificate account opening system shown in FIG. It is characterized in that it is stored in the form.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to another exemplary embodiment of the present invention, the application information for opening the gift certificate account is stored in the form of information included in the account ledger (not shown), and / or in another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

10 illustrates a ledger D / B having a storage medium 875 for storing voucher account information corresponding to a voucher account opened in a non-face-to-face manner in accordance with another embodiment of the present invention. 885 is a diagram illustrating an implementation method including a database associated with the method.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 875 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 885 provided in the DBMS on the financial system 880. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to store the gift certificate account information in a predetermined database in the ledger D / B 885. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the gift certificate account information in the ledger information of the ledger D / B 885 on the DBMS provided on the financial system 880 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 885 of the company, or the system expansion is not easy due to the nature of the financial system 880), the gift certificate account in a predetermined database instead of the ledger D / B 885. A method of storing information and storing the information in association with the database and the ledger D / B 885 is illustrated.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 as in the embodiment shown in FIG. 10, and a database on the Internet banking system according to the intention of a person skilled in the art; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 875 includes a database associated with the ledger D / B 885 provided in the DBMS on the financial system 880. And gift voucher account information including at least one of the customer information, the account attribute information, and the issueable voucher information included in the application information for opening the voucher account, wherein the voucher account information is the ledger D / B 885. It is preferable that the gift certificate account information further comprises a CIF number corresponding to the ledger information in order to be linked to the).

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issueable amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

11 illustrates an implementation method including a DBMS provided in a banking server with a storage medium 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention. Drawing.

In more detail, in Figure 11, the storage medium 875 shown in Figure 8 is provided with a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of configuring information on gift certificate account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 11, wherein the storage medium 875 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening a gift certificate account. And gift voucher account information including at least one of the customer information, account attribute information, and issueable voucher information included therein.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

12A and 12B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value into a gift certificate account in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 12A and 12B illustrate a web in which a terminal device 890 on the gift voucher account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through predetermined network means. In the case of having a server function, a predetermined customer includes at least one of customer information, financial product information, and issueable gift certificate information through the client terminal to open a gift certificate account for depositing a blank gift certificate value in a gift certificate account. When providing the gift certificate account opening application information, the gift certificate account opening system to the blank gift certificate value based on the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information Opening and processing the gift certificate account for the deposit As a person of ordinary skill in the art to which the present invention pertains, the present invention applies to opening the gift certificate account from the client terminal to the financial institution server 800 by referring to and / or modifying the drawings 12a and 12b. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the embodiment shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the application information for opening a gift certificate account and storing the electronic document in an electronic document storage, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, the implementation method illustrated in FIGS. 12A and 12B provides a user interface through which the client terminal inputs (or selects) the application information for opening the gift certificate account through a predetermined web page provided by the financial institution server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, financial product information, and issueable gift certificate information transmitted to the financial institution server 800 are referred to as "application certificate opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and the gift certificate. When requesting a web page including a user interface for depositing a blank gift certificate value in an account (1200), correspondingly, the server opens a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. Create (or extract) a web page that includes a user interface for entering (or selecting) application information and sending it to the server. In step 1205, the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1210).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the procedure for registering the gift certificate account application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) a gift certificate account application information including at least one or more customer information, financial product information, and issueable gift certificate information through a user interface included in the web page (1215).

If the terminal inputs (or selects) a gift certificate account application information including the customer information, financial product information, and issueable gift certificate information through the user interface (1220), the terminal inputs the information through the communication channel. The customer information, financial product information, and issueable gift certificate information are transmitted (or selected) to the server (1225).

According to an embodiment of the present invention, the terminal checks the validity of the gift certificate account opening application information on the server in the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the gift certificate account application information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

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

Thereafter, the server receives and reads the customer information, the financial product information, and the issueable gift certificate information through the communication channel to confirm the validity of the application information for opening the gift certificate account (1230).

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the server may convert the encrypted gift certificate account opening application information into at least one decryption method (eg, a symmetric key based decryption method and / or a public key based method) corresponding to the encryption method. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the server verifies the validity of the received gift certificate account opening application information by checking the electronic signature attached to the gift certificate account opening application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted gift certificate account opening application information, and a technology for confirming an electronic signature attached to the gift certificate account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the gift certificate account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the gift certificate account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the server opens the gift certificate account. It is preferable to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening application information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240), and the procedure for opening the gift certificate account is performed. Do not perform.

On the other hand, if the validity of the gift certificate account opening application information is authenticated (1235), the server includes predetermined document content including at least one or more customer information, financial product information, and issueable gift certificate information including the gift certificate account opening application information. In operation 1250, a predetermined gift certificate account opening application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content in the application information opening application information. After including at least one or more of the included customer information, financial product information, issueable gift certificate information in a watermarking (Watermarking) method, a document file containing the document content containing the watermarking (for example, PDF (Portable Document Format) Voucher), or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including (eg, image content generated by capturing the document content on a memory) into a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. After the inclusion, the image file including the image content including the watermarking is preferably processed as a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc. It is preferable.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file, or a web document file including MHT), It is desirable to process the blank voucher value in the gift voucher account as an electronic document for the application to open a voucher account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and application information for opening a gift certificate account; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content including the watermarking and the application information for opening the gift certificate account; Word processor files containing at least one of / DOC, etc., or a web containing MHT By creating a file server, etc.), it is desirable to treat a voucher account opening application documents for electronic deposit a blank gift certificate with the value voucher account.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a gift certificate account opening request electronic document in the image file format and / or a predetermined document file format, and the gift certificate account opening request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 870, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by the process of linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (870).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selection) of the gift certificate account opening request information and / or financial institution information transmitting the gift certificate account opening request electronic document). , And / or electronic document file format information, and / or the gift certificate account opening application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1260), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Generates 1265.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 880 to finance the customer's name including the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (1270).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the application information for opening the gift certificate account and stores it in a predetermined storage medium 875 (1275). )

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 875.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the account included in the received gift certificate account opening application information. The gift certificate account information including at least one attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 880 and stored in a DBMS provided on the financial system 880.

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account according to one embodiment of the present invention.

More specifically, FIGS. 13A, 13B, and 13C illustrate the case where the system for opening a gift certificate account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, opening the gift certificate account shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits application information for opening a gift certificate account to the internet banking server in order to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account, the customer information and the financial product in the internet banking server. Information on the application for opening a gift certificate account including at least one of On the other hand, the present invention relates to an implementation method for opening and processing a gift certificate account for depositing a blank gift certificate value in the gift certificate account. Those skilled in the art to which the present invention pertains may refer to the drawings 13a, 13b, and 13c. Reference may be made to various implementation methods of registering the application information for opening the gift certificate account through the non-face-to-face financial transaction channel by referring to and / or modifying the present invention. However, the present invention includes all the implementation methods inferred from the above drawings. It is not limited to the implementation method shown in 13a, FIG. 13b, and FIG. 13c.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a gift certificate account opening application information between the client terminal and the Internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and internet Although it is possible to infer a method of connecting an Internet banking-based financial transaction channel for registering a gift certificate account registration information between king servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-facing channel-based financial transaction channel for registering a gift certificate account registration information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer owning the gift voucher account may selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (I.e., use all the gift voucher value of 1 million won as a gift voucher for a specific store, or 500,000 won out of 1 million won as the voucher for the above store, and the remaining 500,000 won as voucher for other stores) It is desirable to.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the application information for opening a gift certificate account. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of application information for opening a gift certificate account. Attach certain electronic signatures to information (or data) to be provided and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering application information for opening a gift certificate account for depositing a blank gift certificate value from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for depositing a blank gift certificate value in the gift certificate account to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly requests the customer information. Generating (or extracting) a web page including a user interface for inputting (or selecting) a gift certificate account application request information including at least one financial product information and issueable gift certificate information to the server (1305b); In operation 1310b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) gift certificate account opening application information including at least one of customer information, financial product information, and issueable gift certificate information in the terminal. Preferably, and / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the gift certificate account application information. Security card information printed on the card) and / or one time password (OTP) (e.g., through an internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution. Preferably a one-time password).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the gift certificate account application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, and issueable gift certificate information through the financial account opening interface (1315b).

If the terminal receives (or selects) a gift certificate account opening application information including the customer information, financial product information, and issueable gift certificate information through the user interface (1320b), the terminal transmits the information through the financial transaction channel. The application information for opening (or selecting) the gift certificate account opening information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal checks the validity of the gift certificate account opening application information on the server in the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the gift certificate application request information. It is preferable to transmit to the server through a network means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key. Or, and / or the official certificate is provided in a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for application information for opening a gift certificate account including at least one of the customer information, financial product information, and issueable gift certificate information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

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

Thereafter, the server receives and reads the gift certificate account opening application information through the financial transaction channel and checks the validity of the gift certificate account opening application information (1330b).

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the server may convert the encrypted gift certificate account opening application information into at least one decryption method (eg, a symmetric key based decryption method and / or a public key based method) corresponding to the encryption method. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the server verifies the validity of the received gift certificate account opening application information by checking the electronic signature attached to the gift certificate account opening application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted gift certificate account opening application information, and a technology for confirming an electronic signature attached to the gift certificate account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the gift certificate account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the gift certificate account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the server opens the gift certificate account. It is preferable to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening application information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b), and the procedure for opening the gift certificate account is performed. Do not perform.

On the other hand, if the validity of the gift certificate account opening application information is authenticated (1335b), the server includes predetermined document content including at least one or more customer information, financial product information, and issueable gift certificate information including the gift certificate account opening application information. Generate (1345b), and generate a predetermined gift certificate account application electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content in the application information opening application information. After including at least one or more of the included customer information, financial product information, issueable gift certificate information in a watermarking (Watermarking) method, a document file containing the document content containing the watermarking (for example, PDF (Portable Document Format) Voucher), or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including (eg, image content generated by capturing the document content on a memory) into a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. After the inclusion, the image file including the image content including the watermarking is preferably processed as a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc. It is preferable.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file, or a web document file including MHT), It is desirable to process the blank voucher value in the gift voucher account as an electronic document for the application to open a voucher account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and application information for opening a gift certificate account; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is advisable to process electronic documents for account opening.

Alternatively, the server generates document content including at least one of customer information, financial product information, and issueable gift certificate information included in the received gift certificate account opening application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) at least one or more of customer information, financial product information, and issueable gift certificate information included in the application information for opening a gift certificate account may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content including the watermarking and the application information for opening the gift certificate account; Word processor files containing at least one of / DOC, etc., or a web containing MHT By creating a file server, etc.), it is desirable to treat a voucher account opening application documents for electronic deposit a blank gift certificate with the value voucher account.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a gift certificate account opening request electronic document in the image file format and / or a predetermined document file format, and the gift certificate account opening request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 870, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by the process of linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (870).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the electronic certificate opening application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selection) of the gift certificate account opening request information and / or financial institution information transmitting the gift certificate account opening request electronic document). , And / or electronic document file format information, and / or the gift certificate account opening application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1360c), the server is the financial account information based on the customer information, financial product information, issueable gift certificate information included in the application information to open the gift certificate account Create (1365c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 880 to finance the customer's name including the financial account information based on the customer information, the financial product information, and the issueable gift certificate information included in the application information for opening the gift certificate account. The account is opened (1370c).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, and issueable gift certificate information included in the gift certificate account application request information and stores it in a predetermined storage medium 875 (1375c). )

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And storing the gift certificate account information including at least one of account attribute information and issueable gift certificate information in the storage medium 875.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the account included in the received gift certificate account opening application information. The gift certificate account information including at least one attribute information and issueable gift certificate information may be provided to the information system through an external system on the financial system 880 and stored in a DBMS provided on the financial system 880.

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a face-to-face financial transaction system for transferring a gift certificate deposited in a customer voucher account to another customer's voucher account according to an embodiment of the present invention.

In more detail, Figure 14 shows a gift certificate account information, a transfer amount information, and a customer for a predetermined customer to transfer a gift certificate deposited in the customer gift certificate account to a financial transaction system through a predetermined financial transaction interface to a gift certificate account of another customer. When providing transfer processing request information including at least one authentication information and a receiving account information, the gift certificate account information, transfer amount information, customer authentication information and receiving account information included in the provided transfer processing information in the financial transaction system The present invention relates to a system for providing a financial transaction for processing a transfer of a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account by using the present invention. 14 may be deposited in a customer voucher account by reference and / or modification. It would be possible to infer various implementation methods for the construction of a financial transaction system for the transfer of gift certificates to the vouchers of other customers, but the present invention includes all the implementation methods inferred above, and the implementation method shown in FIG. It is not limited to only.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify this drawing 14, so that a predetermined gift certificate (or blank gift certificate value) deposited in the customer gift certificate account is provided for each unit period (eg, monthly). , Weekly, etc.) It may be possible to infer an implementation method of depositing a given customer, but the present invention includes all the implementation methods inferred above, whereby the present invention is not limited.

In addition, when a predetermined customer (for example, a child) requests a payment for a product using a gift certificate account before the financial transaction system, the balance of the customer (for example, a child) is insufficient for the transfer processing process. Using the financial transaction system, the customer (eg, a child) may request a gift certificate transfer from an account of a predetermined customer (eg, the parent of the child). In this case, the financial transaction system receives the request. Therefore, the process for transmitting the request information to the customer (eg, the parent of the child) may be further included.

Hereinafter, on the financial transaction system shown in FIG. 14, the gift certificate deposited in the customer gift certificate account is transferred to another customer's gift certificate account using the transfer request information provided from the customer through a predetermined financial transaction interface. A component corresponding to at least one or more means and / or functional configurations for providing financial transactions for the sake is referred to as " financial transaction server 1400 &quot; for convenience, and the financial transactions in FIG. Preferably, the server 1400 includes at least one window terminal and an account system on a financial system connected through a predetermined financial network, but FIG. 14 shows the financial transaction server 1400 for convenience of description. Although illustrated as a ledger server between the account system and the present invention is not limited thereto.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for transferring a gift certificate deposited in a customer gift certificate account to a gift voucher of another customer includes a teller terminal provided at at least one financial institution branch. A financial transaction terminal 1435 including the financial transaction terminal 1435 connected to the financial transaction terminal 1435 and the financial transaction terminal 1435 through the financial network are deposited in the customer gift certificate account. A financial transaction server (1400) that processes a financial transaction for transfer of the gift certificate to another customer's gift voucher and a financial system opened with the gift certificate account opened through the financial account opening system shown in FIG. Characterized in that comprises a.

The financial system that processes at least one financial transaction service through the gift certificate account opened through the financial account opening system shown in FIG. 1 or 8 in connection with the financial transaction server 1400 is a branch of the financial institution. (And / or a branch) is connected to at least one or more teller terminal and a predetermined financial network (for example, the branch network), and the face-to-face of the at least one financial transaction customer through the teller terminal Provide financial transaction services.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based 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 and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) 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 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. 14, 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 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 8 It characterized by comprising a predetermined account ledger corresponding to the voucher account opening through the illustrated financial account opening system.

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 linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch for the transfer processing of the gift certificate deposited in the customer gift certificate account to another customer's gift voucher, and through the window provided at the financial institution branch (or At least one application for transfer of a gift voucher deposited in a customer voucher account to another customer's gift voucher (eg, at a teller) A document with a form for filling in the above information items) and submit the completed application form to the counter clerk, the clerk will provide the gift certificate account information and the transfer amount information Customer authentication information and receiving account information are input (or selected), and the teller terminal receives the input ( Is selected) through the financial network to the transfer transaction request information including at least one selected gift certificate account information, transfer amount information, customer authentication information and receiving account information to the financial transaction server 1400 provided on the financial transaction system; It is desirable to transmit.

Here, the financial transaction terminal 1435 preferably comprises a window terminal used by a teller staff provided at the branch of the financial institution, and the financial transaction server 1400 connected to the window terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 1400 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 1400. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1400 are connected to the customer gift certificate account. It performs the function of the financial transaction interface for registering the transfer processing request information for transfer processing the deposited gift certificate to another customer's gift certificate account.

The transfer processing request information transmitted from the financial transaction terminal 1435 to the financial transaction server 1400 for processing the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the predetermined gift certificate account information and Characterized in that it comprises at least one transfer amount information, customer authentication information and receiving account information.

The gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

For example, a gift certificate account corresponding to the gift certificate account information may be set as a parent account, and a virtual account having a parent account as a parent account may be opened and used.

The financial transaction server 1400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected with the financial transaction terminal 1435 through a predetermined financial network, and includes at least one server. (Or an apparatus), and / 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 financial transaction terminal 1435 is a window terminal connected to a predetermined financial network, the financial transaction server 1400 is connected to the financial terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an exemplary embodiment of the present invention, the financial transaction server 1400 includes an interface unit 1405 for connecting and managing a predetermined communication channel with the financial transaction terminal 1435 through the financial network. do.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1435 is a window terminal connected to a predetermined financial network, the interface unit 1405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1435 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When requesting a financial transaction for transfer processing a gift certificate deposited in the customer gift certificate account through a channel to a gift certificate account of another customer, the predetermined transaction processing request is requested by the financial transaction terminal 1435 in conjunction with the interface unit 1405. And an interface providing unit 1410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting information to the financial transaction terminal 1435. When the terminal 1435 is provided with a predetermined terminal-side banking program including the user interface, the interface providing unit 1410 is omitted. Is recommended.

The interface provider 1410 may be configured such that a predetermined financial transaction terminal 1435 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the customer gift certificate through the communication channel. When requesting a financial transaction for transfer processing a gift certificate deposited in an account to a gift certificate account of another customer, the transfer processing request information is input (or selected) in response to the functional configuration provided in the financial transaction terminal 1435. Generate a predetermined user interface that can be transmitted to the financial transaction server 1400 through a financial network, and / or extract it from a predetermined database (not shown), and generate the data in conjunction with the interface unit 1405. The extracted user interface is provided to the financial transaction terminal 1435 through the financial network.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1435 is a window terminal connected to a predetermined financial network, the interface providing unit 1410 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the transfer processing request information to the financial transaction terminal 1435 and transmitting the information to the financial transaction server 1400 through the financial network is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the financial transaction terminal 1435 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) transfer processing request information including at least one of gift certificate account information, transfer amount information, customer authentication information, and receiving account information, and the financial transaction server 1400. It is desirable to include an interface function to transmit to).

Referring to FIG. 14, the financial transaction server 1400 transfers at least one or more of the gift certificate account information, the transfer amount information, the customer authentication information, and the received account information from the financial transaction terminal 1435 through the user interface. When the request information is input (or selected) and transmitted, the transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information is linked with the interface unit 1405. An information receiving unit 1415, a validity checking unit 1425 for checking the validity of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information included in the received transfer processing request information; The voucher value (or voucher) receiving account included in the confirmed transfer processing request information is the voucher value (or commodity value). ) Transfers the gift voucher deposited in the customer voucher account to another customer's gift voucher based on the information confirming unit 1428 (or information verifying means) for confirming whether the account is a depositable account and the confirmed transfer processing request information. A predetermined financial transaction for a financial transaction for transferring a gift certificate deposited in the customer gift certificate account in connection with a financial transaction processing unit 1430 and a financial transaction processing unit 1430 for processing a financial transaction for another customer And an information transmitter 1420 for generating result information and transmitting the financial transaction result information to the financial transaction terminal 1435 in association with the interface unit 1405.

The financial transaction terminal 1435 inputs (or selects) transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the user interface. It is characterized in that for transmitting to the financial transaction server 1400 through.

The information receiving unit 1415 inputs (or selects) transfer processing request information including at least one of gift certificate account information, transfer amount information, customer authentication information, and receiving account information from the financial transaction terminal 1435 through the user interface. When the data is transmitted through the financial network, the transfer processing request information is received in connection with the interface unit 1405, and the received transfer processing request information is provided to the validity confirming unit 1425. .

The gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

The validity confirming unit 1425 checks whether the transfer processing request information received from the financial transaction terminal 1435 satisfies the validity for transferring the gift certificate deposited in the customer voucher account to another customer's gift voucher account. .

According to an embodiment of the present invention, the validity of the transfer processing request information may be determined by the account ledger (or the account book) for the financial account corresponding to the gift certificate account information included in the transfer processing request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the gift certificate account is provided. When the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, the validity of the transfer processing request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer processing request information includes an amount deposited in the gift certificate account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account) in the transfer processing request information. It is preferable to include whether the amount is more than the transfer amount, and if the balance of the gift certificate account is greater than the transfer amount, the validity of the transfer processing request information is preferably authenticated.

In addition, the validity check of the transfer processing request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the gift certificate account corresponding to the customer authentication information included in the transfer processing request information And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the customer authentication information match. If the various passwords corresponding to the customer authentication information match, the transfer processing request is performed. It is desirable that the validity of the information be authenticated.

In addition, the validity confirmation of the transfer processing request information is the account ledger for the financial account corresponding to the received account information included in the transfer processing request information to the ledger D / B on the financial system (or corresponding to the receiving account information) Customer ledger) is preferably provided, and when the account ledger (or the customer ledger corresponding to the other gift certificate account) is provided, the validity of the transfer processing request information is preferably authenticated. .

In response to the transfer processing request information confirmed as valid, the information checking unit 1428 may determine whether the gift certificate value (or gift certificate) receiving account is an account capable of depositing a gift certificate value (or gift certificate).

According to the method of the present invention, the gift certificate value (or gift certificate) receiving account confirmation, it is preferable to confirm whether or not the account corresponding to the received account information is possible to deposit the gift certificate.

In response to the confirmed transfer processing request information, the financial transaction processing unit 1430 is connected to a financial system equipped with an account ledger corresponding to the gift certificate account, gift certificate account information and transfer amount information included in the transfer processing request information. And based on the customer authentication information and the receiving account information characterized in that the processing of the financial transaction for the transfer processing of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate bankbook.

According to the implementation method of the present invention, the financial transaction processing unit 1430 processes the withdrawal amount corresponding to the transfer amount information from the account ledger corresponding to the gift certificate account information included in the transfer processing request information in association with the financial system. And, it is preferable to deposit the withdrawal amount to the receiving account.

If the financial account corresponding to the received account information is an account for which a gift certificate cannot be deposited, after opening an account corresponding to the voucher of the customer or a predetermined virtual account with the gift voucher value (or the gift voucher receiving account as the parent account), Preferably, the gift certificate value (or gift certificate) corresponding to the transfer processing request is transferred to the generated virtual account.

In addition, the receiving account may be a virtual account having an account corresponding to the gift certificate bank account as a mother account, and the present invention is not limited thereto.

When the financial transaction for processing the transfer of the gift certificate deposited in the customer gift certificate account by the financial transaction processing unit 1430 to the gift certificate account of another customer is processed, the information transmission unit 1420 is linked with the financial transaction processing unit 1430. The financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial transaction for transferring the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, and the interface unit In operation 1405, the financial transaction result information including the financial transaction processing history may be transmitted to the financial transaction terminal 1435 through the financial network.

Here, the financial transaction processing history is characterized in that it comprises the gift certificate account information, the transfer amount information and the receiving account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. do.

The financial transaction result information includes a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1435 through the financial network, and receives the financial transaction result information. The transaction terminal 1435 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information.

15 illustrates a ledger configuration corresponding to a gift certificate account provided in a financial system for a face-to-face financial transaction for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to the method of the present invention. Drawing.

More specifically, FIG. 15 corresponds to the gift certificate account opened through the financial account opening system shown in FIG. 1 or 8 in the ledger D / B 1500 provided in the DBMS on the financial system shown in FIG. As shown in FIG. 15, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention and change a gift certificate deposited in the customer gift certificate account of another customer. It will be possible to infer various implementation methods for the ledger configuration corresponding to the gift certificate account provided in the financial system for transfer processing to the gift certificate account, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1500 provided in a DBMS on a financial system includes a predetermined customer ledger and at least one account associated with the customer ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 1500 provided in the main office maintains and maintains at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand and will be familiar with specific technical matters. A detailed description thereof will be omitted for convenience.

The customer ledger includes customer information corresponding to the gift certificate account for transferring the gift certificate deposited in the customer gift certificate account to the gift voucher of another customer, and includes a customer information file (CIF) number, a country code, and a contact ID. , Branch No., Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

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 ledger is a ledger corresponding to the gift voucher account for the transfer of the gift voucher deposited in the customer voucher account to the gift voucher of another customer, which is linked relationally with the customer ledger, account number, CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date , At least one final deposit, final withdrawal, number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Correspondence with the periodic reception information including at least one or more of the corresponding account number, abstention (months), period (days), period extension, expiration date and target amount, and / or the account ledger. Is a trust receipt information including at least one or more of an account number, an amount of trust value, a par value, a pension date and the number of shares, and / or an account number corresponding to the account ledger, transaction number, date, point number, commodity type, transaction type, current It includes transaction history information including at least one or more of the amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, brief, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

FIG. 16 is a diagram illustrating a process of processing a financial transaction for transferring a gift certificate deposited in a customer gift certificate account in a face-to-face manner to another customer's gift certificate account according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case in which the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal connects to the financial transaction server 1400 and connects the communication channel for the financial transaction, the voucher account information, the transfer amount information, and the customer authentication information are transmitted to the financial transaction server 1400 through the communication channel. When the transfer processing request information including the receiving account information is transmitted, the financial transaction server 1400 uses the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information included in the received transfer processing request information. To provide a financial transaction for processing the transfer of a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. As one of ordinary skill in the art to which the present invention pertains, the present invention may be referred to and / or modified to transfer a gift certificate deposited in a customer voucher account to the customer's gift voucher in the face-to-face manner. Various implementation methods for the process of processing a financial transaction may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the window terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the financial transaction server 1400 shown in FIG. 14 is called "server" for convenience.

Referring to FIG. 16, the terminal shown in FIG. 14 connects the communication channel for at least one financial transaction with the server through the financial network, and transfers the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. A user interface for inputting (or selecting) transfer processing request information including at least one of gift certificate account information, transfer amount information, customer authentication information, and receiving account information for transfer processing is output (1600).

Subsequently, a predetermined application (eg, a gift voucher deposited in the customer voucher account is transferred to another voucher account book) including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information from the customer. A voucher having a form for filling in at least one information item for the present invention) is prepared and submitted, the terminal receives the gift certificate account information and the transfer amount information, the customer authentication information, and the customer authentication information included in the application through the user interface. Input (or select) transfer processing request information including at least one account information (1605), and the gift certificate account information, transfer amount information, customer authentication information, and receiving account information through a financial network connecting the terminal and the server; Transmitting the transfer processing request information including at least one of The (1615).

Here, the gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g. It may further include at least one or more branch information, contact person information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

Thereafter, the server receives and reads transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the financial network, thereby validating the transfer processing request information. Check (1620).

According to an embodiment of the present invention, the validity of the transfer processing request information may be determined by the account ledger for the financial account corresponding to the gift certificate account information included in the transfer processing request information in the ledger D / B 1500 on the financial system. (Or checking whether the customer ledger corresponding to the gift certificate account) is provided, and when the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, It is desirable that the validity be authenticated.

In addition, the validity of the transfer processing request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the gift certificate account) the transfer processing request It is preferable to include checking whether the transfer amount included in the information is greater than, and when the balance of the gift certificate account is greater than the transfer amount, the validity of the transfer processing request information is preferably authenticated.

In addition, the validation of the transfer processing request information is an account provided in the ledger D / B 1500 on the financial system corresponding to the various passwords and the gift certificate account corresponding to the customer authentication information included in the transfer processing request information And comparing the various passwords (or linked) on the ledger, and confirming that the various passwords corresponding to the customer authentication information match, and, if the various passwords corresponding to the customer authentication information match, It is preferable that the validity of the transfer processing request information is authenticated.

In addition, the validity confirmation of the transfer processing request information is in the ledger D / B 1500 on the financial system account ledger (or the receiving account information for the financial account corresponding to the received account information included in the transfer processing request information) It is preferable to include whether the corresponding customer ledger) is provided, and if the account ledger (or customer ledger corresponding to the other gift certificate account) is provided that the validity of the transfer processing request information is authenticated It is preferable.

If the validity of the transfer processing request information is not authenticated (1625), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1630), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1650), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1655).

On the other hand, if the validity of the transfer request information is authenticated (1625), the server is linked to a financial system equipped with an account ledger corresponding to the gift certificate account, the gift certificate account information and the transfer amount information included in the transfer processing request information And a financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account based on the customer authentication information and the received account information (1635).

According to the implementation method of the present invention, the server withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the gift certificate account information included in the transfer processing request information in association with the financial system, the withdrawal It is advisable to deposit the amount into another voucher account.

If the financial transaction corresponding to the transfer processing request information is processed (1640), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1645, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network. In response, the terminal receives a financial transaction receipt including the financial transaction processing history. Print out (1655).

FIG. 17 illustrates a non-face-to-face financial transaction system for transferring a gift certificate deposited in a customer voucher account to another customer's voucher account according to an embodiment of the present invention.

In more detail, Fig. 17 shows a gift certificate account information, a transfer amount information, and a customer, for a predetermined customer to transfer a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account through a predetermined financial transaction interface. When providing transfer processing request information including at least one authentication information and a receiving account information, the gift certificate account information, transfer amount information, customer authentication information and receiving account information included in the provided transfer processing information in the financial transaction system The present invention relates to a system for providing a financial transaction for processing a transfer of a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account by using the present invention. 17 and / or variations to which the Various implementation methods for the construction of a financial transaction system for transfer of a gift certificate to another customer's gift voucher may be inferred, but the present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. It is not limited.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify this drawing 14, so that a predetermined gift certificate (or blank gift certificate value) deposited in the customer gift certificate account is provided for each unit period (eg, monthly). , Weekly, etc.) It may be possible to infer an implementation method of depositing a given customer, but the present invention includes all the implementation methods inferred above, whereby the present invention is not limited.

In addition, when a predetermined customer (for example, a child) requests a payment for a product using a gift certificate account before the financial transaction system, the balance of the customer (for example, a child) is insufficient for the transfer processing process. Using the financial transaction system, the customer (eg, a child) may request a gift certificate transfer from an account of a predetermined customer (eg, the parent of the child). In this case, the financial transaction system receives the request. Therefore, the process for transmitting the request information to the customer (eg, the parent of the child) may be further included.

Hereinafter, the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account using the transfer processing request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for providing a financial transaction is referred to as " gift voucher transfer processing server 1700 &quot; for convenience, and the gift certificate in FIG. The transfer processing server 1700 preferably includes all types of non-face-to-face banking servers including at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 17 according to an embodiment of the present invention, a financial transaction system for transferring a gift certificate deposited in a customer gift certificate account to a gift voucher of another customer includes at least a wired terminal and / or a wireless terminal used by the customer. A financial transaction terminal 1735 including at least one or more including client terminals, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1735 is connected, and the network means A gift voucher transfer processing server 1700 connected to the financial transaction terminal 1735 to process a financial transaction for transfer processing a gift voucher deposited in the customer voucher account to another customer's voucher passbook and shown in Fig. 1 or Fig. 8. Including the financial system in which the gift certificate account opened through the established financial account opening system. It is characterized by losing.

The financial system that processes the at least one financial transaction service through the gift certificate account opened through the financial account opening system shown in FIG. 1 or 8 in connection with the gift certificate transfer processing server 1700 may include: At least one window terminal provided at a branch (and / or branch) and a predetermined financial network (eg, a branch network), and face to face at least one financial transaction customer through the window terminal. Financial transaction services.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or affiliated with the financial institution. At least one financial terminal provided in at least one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected via, and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined 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 and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) 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 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. 17, 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 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 8 It characterized in that it comprises a predetermined account ledger corresponding to the gift certificate account opened through the financial account opening system shown in.

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 linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the customer accesses the gift certificate transfer processing server 1700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And input (or select) transfer processing request information for transferring the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account through at least one user interface provided by the gift certificate transfer processing server 1700. The client terminal preferably transmits the gift certificate transfer processing server 1700 provided on the financial transaction system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, the personal communication connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the gift certificate transfer processing server 1700 connected to the client terminal may be any one of an Internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

The network means for connecting the client terminal and the gift certificate transfer processing server 1700 may be a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable to include any one of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the gift certificate transfer processing server 1700, and inputs and / or selects at least one or more information through the user interface to process the gift certificate transfer processing server 1700. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function, etc., which communicates with the gift certificate transfer processing server 1700) for transmission to the network is provided.

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

In the financial transaction system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the gift certificate transfer processing server 1700. And / or the wireless communication network performs a function of a financial transaction interface for registering the transfer processing request information for the customer to transfer the gift certificate deposited in the customer gift certificate account to the gift certificate account of another customer.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1735 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1735 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the gift certificate transfer process are performed. The financial network connecting the server 1700 performs a function of a financial transaction interface for registering the transfer processing request information for the customer to transfer the gift certificate deposited in the customer gift certificate account to the gift certificate account of another customer, and And / or the financial transaction terminal 1735 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the gift certificate transfer processing server 1700; And / or the wireless telephone network may include transfer processing request information for processing the transfer of the gift voucher deposited in the customer voucher account to another customer's voucher account. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the financial transaction terminal 1735, and / or the terminal (and not shown). And / or a network connecting the server (not shown) and the terminal (and / or server) (not shown) and the gift certificate transfer processing server 1700, the customer stores the gift certificate deposited in the customer gift certificate account of another customer. It performs the function of the financial transaction interface for registering the transfer processing request information for the transfer processing to the gift certificate account.

The gift certificate transfer processing server 1700 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1735 through a predetermined network means, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to one embodiment of the present invention, when the financial transaction terminal 1735 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the gift certificate transfer processing server 1700 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the external world on the financial system, whereby The invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the gift certificate transfer processing server 1700 is the wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the gift certificate transfer processing server 1700 is configured to execute the telephony transfer. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the gift certificate transfer processing server 1700 may be A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The transfer processing request information transmitted from the financial transaction terminal 1735 to the voucher transfer processing server 1700 for transferring the voucher deposited in the customer voucher account to the voucher account of another customer is predetermined voucher account information. And at least one transfer amount information, customer authentication information, and receiving account information.

The gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information The at least one security code information provided in the security card provided to the customer in the process of opening the gift certificate account is made, and / or OTP code generated through the OTP (One Tome Password) generator provided to the customer It is preferable that it further comprises.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information Is included in the official certificate information provided in the financial transaction terminal 1735 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1735), or the authorized certificate Preferably, the method further comprises encrypting the transfer processing request information based on at least one encryption key, or attaching the electronic signature of the customer to the transfer processing request information.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

According to an embodiment of the present invention, the gift certificate transfer processing server 1700 is provided with an interface unit 1705 for connecting and managing a predetermined communication channel with the financial transaction terminal 1735 through the network means. It is done.

According to an embodiment of the present invention, when the financial transaction terminal 1735 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1705 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the gift certificate transfer processing server 1700, the interface unit 1705 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a financial automatic device connected to a predetermined financial network, the interface unit 1705 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for 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 financial transaction terminal 1735 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 includes a protocol stack defined in the wireless communication network. It is preferable to provide 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 and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or 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 gift certificate transfer processing server 1700, the interface unit 1705 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 17, the gift certificate transfer processing server 1700 may be configured such that a predetermined financial transaction terminal 1735 connects a communication channel with the gift certificate transfer processing server 1700 through the interface unit 1705, and / or When requesting a financial transaction for transfer processing a gift certificate deposited in the customer gift certificate account through the communication channel to a gift certificate account of another customer, the predetermined transaction is transferred from the financial transaction terminal 1735 in conjunction with the interface unit 1705. And an interface providing unit 1710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting processing request information to the financial transaction terminal 1735. When the financial transaction terminal 1735 is provided with a predetermined terminal-side banking program including the user interface, the interface provider 1710 It is preferable to omit it.

The interface providing unit 1710 connects a predetermined financial transaction terminal 1735 to the financial transaction terminal 1735 after connecting the communication channel with the gift certificate transfer processing server 1700 through the interface unit 1705. A predetermined user interface capable of inputting (or selecting) the transfer processing request information corresponding to the functional configuration provided therein and transmitting to the gift certificate transfer processing server 1700 via the network means, and / or a predetermined database It is characterized in that it is extracted from (not shown) and provides the generated (or extracted) user interface to the financial transaction terminal 1735 via the network means in association with the interface unit 1705.

According to an embodiment of the present invention, when the financial transaction terminal 1735 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1710. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1705 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1710 may be a financial transaction related program provided in the financial automatic device. 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 ATM using the interface unit 1705.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1710 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1705 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1735 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1710 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1705. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the transfer processing request information to the financial transaction terminal 1735 and transmitting it to the gift certificate transfer processing server 1700 through the network means is provided. When the predetermined terminal-side banking program is provided, the interface providing unit 1710 for providing the user interface to the financial transaction terminal 1735 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) transfer processing request information including at least one of gift certificate account information, transfer amount information, customer authentication information, and receiving account information, and transmits the gift certificate transfer processing server ( It is preferable to include an interface function to transmit to 1700.

Referring to FIG. 17, the gift certificate transfer processing server 1700 includes at least one gift certificate account information, a transfer amount information, customer authentication information, and a receiving account information in the financial transaction terminal 1735 through the user interface. When the processing request information is input (or selected) and transmitted, the transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information is linked to the interface unit 1705. A receiving information receiving unit 1715, a validity checking unit 1725 for checking the validity of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information included in the received transfer processing request information; The voucher value (or voucher) receiving account included in the validated transfer request information is The gift voucher) transfers the gift voucher deposited in the customer voucher account to another customer's gift voucher based on the information verification unit 1728 (or information verification means) for confirming whether the account is a depositable account. In connection with the financial transaction processing unit 1730 and the financial transaction processing unit 1730 for processing a financial transaction for processing, the predetermined amount of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account book. And an information transmitter 1720 for generating financial transaction result information and transmitting the financial transaction result information to the financial transaction terminal 1735 in association with the interface unit 1705.

The financial transaction terminal 1735 inputs (or selects) the transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the user interface. Characterized in that the transmission to the gift certificate transfer processing server 1700 through.

The information receiving unit 1715 inputs transfer processing request information including at least one of gift certificate account information, transfer amount information, customer authentication information, and receiving account information through the user interface at the financial transaction terminal 1735 (or Select) to transmit the transfer request information in cooperation with the interface unit 1705 and provide the received transfer request information to the validity checker 1725. do.

The gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the gift certificate account, a contact person code, etc.) may further include at least one or more.

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information May further comprise at least one or more security code information (eg, one or more security codes, or two or more security codes) included in the security card provided to the customer in the process of opening the gift certificate account, and / or to the customer. It is preferable to further comprise an OTP code generated through the provided One Tome Password (OTP) generator.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information Is an official certificate information provided in the financial transaction terminal 1735 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1735), or the authorized certificate. Preferably, the method further comprises encrypting the transfer processing request information based on at least one encryption key included, or attaching the electronic signature of the customer to the transfer processing request information.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

The validity check unit 1725 checks whether the transfer request information received from the financial transaction terminal 1735 satisfies the validity for the transfer processing of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. .

According to an embodiment of the present invention, the validity of the transfer processing request information may be determined by the account ledger (or the account book) for the financial account corresponding to the gift certificate account information included in the transfer processing request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the gift certificate account is provided. When the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, the validity of the transfer processing request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer processing request information includes an amount deposited in the gift certificate account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account) in the transfer processing request information. It is preferable to include whether the amount is more than the transfer amount, and if the balance of the gift certificate account is greater than the transfer amount, the validity of the transfer processing request information is preferably authenticated.

In addition, the validity check of the transfer processing request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the gift certificate account corresponding to the customer authentication information included in the transfer processing request information And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the customer authentication information match. The transfer processing request is performed when the various passwords corresponding to the customer authentication information match. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. Security code information corresponding to the customer authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account It is preferable that the verification is made, and if the security code information corresponding to the customer authentication information is matched, it is preferable that the validity of the transfer processing request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 17, when the customer authentication information further includes a predetermined OTP code, the validity of the transfer processing request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the customer authentication information and the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the customer authentication information is matched with the OTP authentication code, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the transfer processing request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1735, or an authentication issued to a customer). In the case of encryption through the encryption key included in the certificate, the validation of the transfer processing request information decrypts the encrypted transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information), and It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to a customer) in the transfer processing request information. In this case, the validation of the transfer processing request information confirms the electronic signature of the customer with respect to the transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the transfer request information is authenticated when the electronic signature of the customer is confirmed.

In addition, the validity confirmation of the transfer processing request information is the account ledger for the financial account corresponding to the received account information included in the transfer processing request information to the ledger D / B on the financial system (or corresponding to the receiving account information) Customer ledger) is preferably provided, and when the account ledger (or the customer ledger corresponding to the other gift certificate account) is provided, the validity of the transfer processing request information is preferably authenticated. .

In response to the transfer processing request information confirmed as valid, the information checking unit 1428 may determine whether the gift certificate value (or gift certificate) receiving account is an account capable of depositing a gift certificate value (or gift certificate).

According to the method of the present invention, the gift certificate value (or gift certificate) receiving account confirmation, it is preferable to confirm whether or not the account corresponding to the received account information is possible to deposit the gift certificate.

In response to the confirmed transfer processing request information, the financial transaction processing unit 1730 is connected to a financial system equipped with an account ledger corresponding to the gift certificate account, gift certificate account information and transfer amount information included in the transfer processing request information And based on the customer authentication information and the receiving account information characterized in that the processing of the financial transaction for the transfer processing of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate bankbook.

According to the implementation method of the present invention, the financial transaction processing unit 1730 processes the withdrawal amount corresponding to the transfer amount information from the account ledger corresponding to the gift certificate account information included in the transfer processing request information in connection with the financial system. And, it is preferable to deposit the withdrawal amount into another gift certificate account.

If the financial account corresponding to the received account information is an account for which a gift certificate cannot be deposited, after opening an account corresponding to the voucher of the customer or a predetermined virtual account with the gift voucher value (or the gift voucher receiving account as the parent account), Preferably, the gift certificate value (or gift certificate) corresponding to the transfer processing request is transferred to the generated virtual account.

In addition, the receiving account may be a virtual account having an account corresponding to the gift certificate bank account as a mother account, and the present invention is not limited thereto.

When the financial transaction for processing the transfer of the gift certificate deposited in the customer gift certificate account by the financial transaction processing unit 1730 to the gift certificate bank of another customer is processed, the information transmission unit 1720 is linked with the financial transaction processing unit 1730. The financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial transaction for transferring the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, and the interface unit In connection with 1705, the financial transaction result information including the financial transaction processing history is transmitted to the financial transaction terminal 1735 through the network means.

Here, the financial transaction processing history is characterized in that it comprises the gift certificate account information, the transfer amount information and the receiving account information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. do.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1735 through the network means, wherein the financial transaction result information is the transfer process. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 1735 with an electronic signature of the financial institution attached thereto.

18 illustrates a ledger configuration corresponding to a gift certificate account provided in a financial system for a non-face-to-face financial transaction for transferring a gift certificate deposited in a customer gift certificate account to another customer's gift certificate account according to the method of the present invention. One drawing.

In more detail, FIG. 18 shows an account ledger corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1 or 8 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As an example of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 18 to transfer a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Various implementation methods for the ledger configuration corresponding to the gift certificate account provided in the financial system for the transfer processing may be inferred, but the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to only.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes 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. In addition to the customer ledger and account ledger shown in Figure 18, the ledger D / B includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional ledger for maintaining and managing the ledgers. It will be clearly understood that more information is included, and you will be familiar with the specific technical details. It will be omitted for convenience.

The customer ledger includes customer information corresponding to the gift certificate account for transferring the gift certificate deposited in the customer gift certificate account to the gift voucher of another customer, and includes a customer information file (CIF) number, a country code, and a person in charge. ID, Branch No., Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address , Company phone number, postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the gift voucher account for the transfer of the gift voucher deposited in the customer voucher account to the gift voucher of another customer, which is linked relationally with the customer ledger, account number, CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date , The final deposit amount, the final withdrawal amount, the number of unpaid account transactions, interest rate system account, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation. Correspondence with periodic receipt information including at least one or more corresponding account numbers, abstentions (months), periods (days), term extensions, expiration dates, and target amounts, and / or correspond to the ledger Is a trust receipt information including at least one or more of an account number, an amount of trust value, a par value, a pension date and the number of shares, and / or an account number corresponding to the account ledger, transaction number, date, point number, commodity type, transaction type, current It includes transaction history information including at least one or more of the amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, brief, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

19 is a non-face-to-face transfer of a gift certificate deposited in a customer voucher account to another customer's gift voucher account in the non-face-to-face for transfer processing of the gift voucher deposited in the customer voucher account according to one embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for.

In more detail, FIG. 19 illustrates a case in which the merchandise transfer processing server 1700 on the financial transaction system shown in FIG. 17 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the gift certificate transfer processing server 1700 and connects the communication channel for the financial transaction, the gift certificate account information and the transfer amount information and the customer are transferred to the gift certificate transfer processing server 1700 through the communication channel. When the transfer processing request information including the authentication information and the receiving account information is transmitted, the gift certificate transfer processing server 1700 receives the gift certificate account information, the transfer amount information, the customer authentication information, and the information included in the received transfer processing request information. Use the account information to transfer the gift voucher deposited in the customer voucher account to another customer's voucher account. The present invention relates to a method of providing a financial transaction for the processing of money, and those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 and deposit it in the customer gift certificate account in the non-face-to-face manner. It will be possible to infer various implementation methods for the process of processing the financial transaction for the transfer process to the gift certificate passbook of another customer, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the gift certificate transfer processing server 1700 shown in FIG. 17 is referred to as "server" for convenience.

Referring to FIG. 19, the terminal shown in FIG. 17 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or IEEE 802.16x-based portable Internet, etc.) to access the server to request a financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account ( 1900), correspondingly, the server includes at least one gift certificate account information, a transfer amount information, customer authentication information, and a receiving account information for transferring a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer. The communication channel is generated by generating (or extracting) a web page including a user interface for inputting (or selecting) processing request information. It transmits to the terminal through the output (1905).

According to an embodiment of the present invention, the web page transmission and / or output process is preferably performed at least once according to the user interface provision and transfer processing request information transmission and reception procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the user interface (1910).

If the terminal receives (or selects) transfer processing request information including the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information (1915), the terminal establishes the communication channel. The input (or selected) gift certificate account information, transfer amount information, customer authentication information and the receiving account information is transmitted to the server (1920), the input (or selected) gift certificate account through the communication channel in the terminal The transmission of the information, the transfer amount information, the customer authentication information, and the received account information to the server may include transfer processing request information input (or selected) through the user interface through a security module (not shown) provided in the terminal. Preferably, the method further comprises transmitting the digital signature and / or encryption to the server.

Here, the gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g. It may further include at least one or more branch information, contact person information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information The at least one security code information provided in the security card provided to the customer in the process of opening the gift certificate account is made, and / or OTP code generated through the OTP (One Tome Password) generator provided to the customer It is preferable that it further comprises.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information Is included in the official certificate information provided in the financial transaction terminal 1735 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1735), or the authorized certificate Preferably, the method further comprises encrypting the transfer processing request information based on at least one encryption key, or attaching the electronic signature of the customer to the transfer processing request information.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

Thereafter, the server receives and reads transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the communication channel, thereby validating the transfer processing request information. Checking (1925), the validity of the transfer processing request information, if the transfer processing request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, the transfer processing Decrypting the request information, and / or decrypting the transfer processing request information is preferably made.

According to an embodiment of the present invention, the validity of the transfer processing request information may be determined by the account ledger (or the account book) for the financial account corresponding to the gift certificate account information included in the transfer processing request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the gift certificate account is provided. When the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, the validity of the transfer processing request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer processing request information includes an amount deposited in the gift certificate account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account) in the transfer processing request information. It is preferable to include whether the amount is more than the transfer amount, and if the balance of the gift certificate account is more than the transfer amount, the validity of the transfer processing request information is preferably authenticated.

In addition, the validity check of the transfer processing request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the gift certificate account corresponding to the customer authentication information included in the transfer processing request information And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the customer authentication information match. If the various passwords corresponding to the customer authentication information match, the transfer processing request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. Security code information corresponding to the customer authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account It is preferable that the verification is made, and if the security code information corresponding to the customer authentication information is matched, it is preferable that the validity of the transfer processing request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 17, when the customer authentication information further includes a predetermined OTP code, the validity of the transfer processing request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the customer authentication information and the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the customer authentication information is matched with the OTP authentication code, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the transfer processing request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1735, or an authentication issued to a customer). In the case of encryption through the encryption key included in the certificate, the validation of the transfer processing request information decrypts the encrypted transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information), and It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to a customer) in the transfer processing request information. In this case, the validation of the transfer processing request information confirms the electronic signature of the customer with respect to the transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the transfer request information is authenticated when the electronic signature of the customer is confirmed.

In addition, the validity confirmation of the transfer processing request information is the account ledger for the financial account corresponding to the received account information included in the transfer processing request information to the ledger D / B on the financial system (or corresponding to the receiving account information) Customer ledger) is preferably provided, and when the account ledger (or the customer ledger corresponding to the other gift certificate account) is provided, the validity of the transfer processing request information is preferably authenticated. .

If the validity of the transfer processing request information is not authenticated (1930), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1935), and the communication channel. In operation 1955, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. In response, the terminal outputs a financial transaction result including the financial transaction processing history (1960).

On the other hand, if the validity of the transfer request information is authenticated (1930), the server is linked to a financial system equipped with an account ledger corresponding to the gift certificate account, the gift certificate account information and the transfer amount information included in the transfer processing request information And a financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account based on the customer authentication information and the received account information (1940).

According to the implementation method of the present invention, the server withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the gift certificate account information included in the transfer processing request information in association with the financial system, the withdrawal It is advisable to deposit the amount into another voucher account.

If the financial transaction corresponding to the transfer processing request information is processed (1945), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1950, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel, and in response thereto, the terminal transmits the financial transaction result including the financial transaction processing history. Screen output (1960).

20A and 20B illustrate a gift voucher of another customer in a non-face-to-face manner in order to transfer the gift voucher deposited in the customer voucher account to another customer's voucher account according to another embodiment of the present invention. 2 is a diagram illustrating a process of processing a financial transaction for transfer processing.

In more detail, FIGS. 20A and 20B illustrate that when the financial transaction system illustrated in FIG. 17 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After the user accesses the Internet banking server through the Internet and performs a predetermined customer authentication procedure, the client terminal requests a predetermined transfer process for transferring the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. When the information is transmitted to the Internet banking server, the transfer processing request information including the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information is received from the gift certificate transfer processing server 1700. Gift certificate account information, transfer amount information, customer authentication information and receiving account included in the information The present invention relates to a method of providing a financial transaction for processing a transfer of a gift certificate deposited in the customer gift certificate account to another customer's gift voucher by using information, and a person having ordinary knowledge in the technical field to which the present invention belongs. Various implementation methods for the process of processing the financial transaction for the transfer of the gift certificate deposited in the customer voucher account in a non-face-to-face manner other than the Internet banking with reference to Figures 20a and 20b to another customer's gift voucher account It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator of Netscape, etc.) provided in the client terminal in FIGS. 20A and 20B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering transfer processing request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 20a and 20b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Transfer process Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a and 20b, a telebanking system And / or financial transaction processing for transferring a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account in all other non-face-to-face banking systems including at least one of a wireless banking system and / or a TV banking system. It may be inferred an implementation method of connecting a financial transaction channel corresponding to each non-face-to-face channel, but the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed This includes all types of non-face-to-face channel-based financial transactions, including non-face-to-face banking systems. The technical configuration of the invention is not limited to the case of the Internet banking shown in Figs. 20a and 20b.

20A and 20B, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the gift certificate transfer processing server 1700 is referred to as "server" for convenience.

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2010a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (2015a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. And transmit and mount and / or update (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering transfer request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of transfer processing request information. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (2060a), where the Internet banking-based The financial transaction channel refers to the Internet banking-based financial transaction from the server by transmitting the transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information from the terminal to the server. Means a communication channel capable of processing.

Subsequently, the terminal requests an internet banking-based financial transaction for transfer processing a gift certificate deposited in the customer gift certificate account to another server through the financial transaction channel (2000b), and correspondingly to the server. Inputs (or selects) transfer processing request information including at least one gift certificate account information, a transfer amount information, customer authentication information, and a receiving account information for transferring a gift certificate deposited in the customer gift certificate account to another customer's gift certificate account; A web page including a user interface is generated (or extracted) and transmitted to the terminal through the financial transaction channel (2005b).

According to an embodiment of the present invention, the web page transmission and / or output process is preferably performed at least once according to the user interface provision and transfer processing request information transmission and reception procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the user interface (2010b).

If the terminal receives (or selects) a transfer processing request information including the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the user interface (2015b), the terminal transfers the financial transaction channel. The received (or selected) gift certificate account information, transfer amount information, customer authentication information and receiving account information is transmitted to the server through (2020b), and the input (or selected) through the financial transaction channel in the terminal Transmitting the gift certificate account information, the transfer amount information, customer authentication information and the receiving account information to the server, the security module (not shown) provided with the transfer processing request information input (or selected) through the user interface (not shown) It is preferable to further comprise transmitting to the server by digital signature and / or encryption through.

Here, the gift certificate account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the gift certificate account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g. It may further include at least one or more branch information, contact person information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The transfer amount information includes a financial transaction amount transferred from the gift certificate account for transfer processing a gift certificate deposited in the customer gift certificate account to a gift certificate account of another customer, and the transfer amount is stored in the gift certificate account. It is characterized in that it does not exceed the remaining balance deposited.

The customer authentication information is one of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account. Information for securing at least one or more validity, characterized in that comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, the financial transaction for transfer processing the gift certificate deposited in the customer gift certificate account to another customer's gift certificate account, the customer authentication information The at least one security code information provided in the security card provided to the customer in the process of opening the gift certificate account is made, and / or OTP code generated through the OTP (One Tome Password) generator provided to the customer It is preferable that it further comprises.

In addition, the customer authentication in accordance with the characteristics of the financial transaction system shown in Figure 17, characterized in that the financial transaction for processing the transfer of the gift certificate deposited in the customer gift certificate account to another customer's gift voucher pass through a non-face-to-face channel, the customer authentication Information is provided in the official certificate information provided in the financial transaction terminal 1735 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1735), or the authorized certificate. Preferably, the method further comprises encrypting the transfer processing request information based on at least one encryption key included, or attaching the electronic signature of the customer to the transfer processing request information.

The receiving account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer or another customer name opened through the financial account opening system shown in FIG. Customer information (e.g., the name of the account holder, or the customer information file (CIF) number corresponding to the gift certificate account), financial institution information (e.g., bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, name of the person in charge of opening and in charge of the gift certificate account, contact person code, etc.).

The financial account corresponding to the received account information may be a real account that is the gift certificate account or a virtual account that uses the gift certificate account as a parent account, and the present invention is not limited thereto.

Thereafter, the server receives and reads transfer processing request information including at least one of the gift certificate account information, the transfer amount information, the customer authentication information, and the receiving account information through the financial transaction channel, thereby validating the transfer processing request information. Checking (2025b), and checking the validity of the transfer processing request information, if the transfer processing request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, And decrypting the processing request information and / or decrypting the transfer processing request information.

According to an embodiment of the present invention, the validity of the transfer processing request information may be determined by the account ledger (or the account book) for the financial account corresponding to the gift certificate account information included in the transfer processing request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the gift certificate account is provided. When the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, the validity of the transfer processing request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer processing request information includes an amount deposited in the gift certificate account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account) in the transfer processing request information. It is preferable to include whether the amount is more than the transfer amount, and if the balance of the gift certificate account is greater than the transfer amount, the validity of the transfer processing request information is preferably authenticated.

In addition, the validity check of the transfer processing request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the gift certificate account corresponding to the customer authentication information included in the transfer processing request information And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the customer authentication information match. If the various passwords corresponding to the customer authentication information match, the transfer processing request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. Security code information corresponding to the customer authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the gift certificate account It is preferable that the verification is made, and if the security code information corresponding to the customer authentication information is matched, it is preferable that the validity of the transfer processing request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 17, when the customer authentication information further includes a predetermined OTP code, the validity of the transfer processing request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the customer authentication information and the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the customer authentication information is matched with the OTP authentication code, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the transfer processing request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1735, or an authentication issued to a customer). In the case of encryption through the encryption key included in the certificate, the validation of the transfer processing request information decrypts the encrypted transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information), and It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the transfer processing request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In this case, the validity confirmation of the transfer processing request information confirms the electronic signature of the customer with respect to the transfer processing request information (or at least one or more financial transaction information included in the transfer processing request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the transfer request information is authenticated when the electronic signature of the customer is confirmed.

In addition, the validity confirmation of the transfer processing request information is the account ledger for the financial account corresponding to the received account information included in the transfer processing request information to the ledger D / B on the financial system (or corresponding to the receiving account information) Customer ledger) is preferably provided, and when the account ledger (or the customer ledger corresponding to the other gift certificate account) is provided, the validity of the transfer processing request information is preferably authenticated. .

If the validity of the transfer processing request information is not authenticated (2030b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (2035b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (2055b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (2060b).

On the other hand, if the validity of the transfer processing request information is authenticated (2030b), the server is linked to a financial system equipped with an account ledger corresponding to the gift certificate account, the gift certificate account information and the transfer amount information included in the transfer processing request information And the financial transaction for the transfer processing of the gift certificate deposited in the customer gift certificate account based on the customer authentication information and the received account information to another customer's gift certificate account (2040b).

According to the implementation method of the present invention, the server withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the gift certificate account information included in the transfer processing request information in association with the financial system, the withdrawal It is advisable to deposit the amount into another voucher account.

If a financial transaction corresponding to the transfer processing request information is processed (2045b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (2050b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (2055b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is displayed (2060b).

According to the present invention, by providing a transfer service between the accounts in which the gift certificate is deposited, there is an advantage that the gift certificate account can be used more conveniently.

In addition, by using the transfer service to provide a child's automatic transfer service per unit period, there is an advantage that can provide a gift certificate to your child more convenient.

Claims (5)

Transfer processing request information including gift voucher value (or gift certificate) information and gift voucher value (or gift voucher) receiving account information from the gift voucher customer. Receiving information receiving means; Information checking means for checking whether a gift certificate value (or gift certificate) receiving account included in the received transfer processing request information is an account capable of depositing a gift certificate value (or gift certificate); As a result of the check, when the gift certificate value (or gift certificate) receiving account is an account capable of depositing the gift certificate value (or gift certificate), the gift certificate value (or gift certificate) corresponding to the transfer processing request is transferred to the gift certificate value (or gift certificate) receiving account. A gift voucher bank transfer processing system comprising a; financial transaction processing means for processing the transfer. The method of claim 1, wherein the financial transaction processing means, As a result of the verification, when the gift certificate value (or gift certificate) receiving account is an account for which the gift certificate value (or gift certificate) cannot be deposited, the account corresponding to the gift certificate account of the customer or the account that receives the gift certificate value (or gift certificate) receiving account as the parent account After generating the virtual account of the gift voucher bank transfer processing system characterized in that the transfer of the gift certificate value (or gift certificate) corresponding to the transfer processing request to the generated virtual account. According to claim 1, wherein the gift certificate value (or gift certificate) receiving account, Gift voucher bank transfer processing system, characterized in that the account corresponding to the customer's gift voucher bank account as a virtual account. Transfer processing request information including gift certificate value (or gift certificate) information and gift voucher value (or gift certificate) receiving account information from the customer possessing a gift certificate passbook on the server. Receiving-; Confirming, by the server, whether a gift certificate value (or gift certificate) receiving account included in the received transfer processing request information is an account capable of depositing a gift certificate value (or gift certificate); As a result of the checking, when the gift certificate value (or gift certificate) receiving account is an account capable of depositing the gift certificate value (or gift certificate), the server receives the gift certificate value (or gift certificate) corresponding to the transfer processing request from the server. Transfer processing to the account; gift voucher bank transfer processing method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 4.

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