KR20090036477A - System and method for processing papers for financial transaction application and recording medium - Google Patents

Abstract

A method for processing a financial transactional application form and a system therefor are provided to enable a client to fill in the financial transactional application form more conveniently by utilizing customer information pre-stored in a financial institution. When a client submits a financial transactional application form prepared by the client to a banker, the banker scans the financial transactional application form through an image obtaining device, and then inputs or selects image contents which are obtained correspondingly to the application form and financial transactional application information which is written in the application form through a bank window terminal(190). The bank window terminal transmits the image contents and financial transactional application information to an information registration server(100) which is equipped in a customer information processing system through a financial network.

Description

System and Method for Processing Papers for Financial Transaction Application and Recording Medium}

1 is a diagram illustrating a face-to-face customer information processing system for managing items that are inconsistent with previously stored items among customer information items on a financial transaction application according to an exemplary embodiment of the present invention.

2 is a financial transaction application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application in accordance with an embodiment of the present invention Figure is a diagram.

Figure 3 is stored in a database linked to the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for the management of items inconsistent with previously stored items of the customer information items on the financial transaction application in accordance with another embodiment of the present invention It is a figure which shows the structure of the financial transaction application information.

4 is a view illustrating a configuration of financial transaction application information stored in a DBMS provided in a banking server in a face-to-face manner for managing an item inconsistent with previously stored items among customer information items on a financial transaction application according to another embodiment of the present invention. Drawing.

5A and 5B illustrate a process of registering financial transaction application information in a face-to-face manner according to an exemplary embodiment of the present invention.

6A and 6B illustrate a process of registering financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering financial transaction application information 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 customer information processing system for managing items that are inconsistent with previously stored items among customer information items on a financial transaction application interface according to another exemplary embodiment of the present invention.

9 is a financial transaction application stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the management of items inconsistent with previously stored items of the customer information items on the financial transaction application interface according to an embodiment of the present invention It is a figure which shows an information structure.

10 is a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for managing an item inconsistent with previously stored items among customer information items on the financial transaction application interface according to another embodiment of the present invention. A diagram illustrating a configuration of financial transaction application information stored in the apparatus.

11 is a view illustrating a configuration of financial transaction application information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to manage items that are inconsistent with previously stored items among customer information items on the financial transaction application interface according to another embodiment of the present invention. It is illustrated.

12A and 12B illustrate a process of registering financial transaction application information in a non-face-to-face manner for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction application interface according to an embodiment of the present invention. Drawing.

13A, 13B, and 13C illustrate registering financial transaction application information through a non-face-to-face financial transaction channel for managing an item inconsistent with a previously stored item among customer information items on a financial transaction application interface according to an embodiment of the present invention. A diagram illustrating the process.

14 is a diagram illustrating a functional configuration of an information processing apparatus equipped with a financial transaction application form output or financial transaction application recognition function according to an embodiment of the present invention.

15 is a diagram illustrating an operation process of an information processing apparatus for outputting customer information and mismatch information on a financial transaction application to be provided to a customer according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating an operation process of an information processing apparatus for recognizing and updating change information recorded on a financial transaction application to be provided to a customer according to an embodiment of the present invention.

17 is a diagram illustrating an example of a financial transaction application in the financial transaction application according to the embodiment of the present invention.

<Description of main parts of drawing>

1400: information processing apparatus 1405: control unit

1410: information receiving unit 1415: information checking unit

1420: output data generation unit 1425: output data processing unit

1430: Image data receiving unit 1435: Information reading unit

1440: information transmission unit 1445: application processing unit

1450: application output processing unit 1455: application scanning processing unit

1460: screen output 1465: power supply

1470: terminal function unit 1475: communication unit

1480: Financial system

The present invention provides a customer information database for classifying and storing customer information for each item, update processing object identifier processing means for describing an update processing object identifier on an item requiring update processing among customer information items stored in the customer information database; When outputting a financial transaction application form to the customer, the customer information for each item stored in the customer information database is first checked, and after confirming items for which update identifiers are listed among the identified customer information for each item, the first confirmation The customer information for each item is processed to be included in the existing customer information display area of the existing item in the financial transaction application, and the second confirmed update target is displayed on the item display area or the item display area adjacent to the financial transaction application. Financial transaction application processing means for processing to include a special mark Financial transaction application processing system.

Due to the development of modern society, much of society's funds are deposited or invested through various financial institutions.

Therefore, many people visit financial institutions and use various financial services. However, in financial institutions, there are difficult problems due to frequent changes in customer information in the way of marketing to a large number of customers.

In addition, when a customer visits a financial institution and prepares a financial transaction application form, or when applying for a financial transaction using a service such as Internet banking, there is an uncomfortable problem of always writing a new application.

An object of the present invention for solving the above problems, the update processing object for describing the update processing target identifier on the item that needs to be updated among the customer information items stored in the customer information database for storing the customer information by item in the server When the identifier processing step and the financial transaction application is output to the customer, the server first checks the customer information for each item stored in the customer information database, and selects an item including an update processing identifier among the checked customer information for each item. Confirming the second step, and in connection with the means for outputting the financial transaction application on the server, processing the first confirmed item information of the item to be included in the existing information item display area for each item in the financial transaction application to be output; It is the subject of update processing confirmed second on the item display area or the area adjacent to the item display area. The financial transaction application processing step for processing the financial transaction application processing step to include a special mark indicating the information and the financial transaction application output means for outputting the financial transaction application containing the special information indicating the customer information and update processing target for each existing item The present invention provides a method for processing a financial transaction application including a step.

The financial transaction application processing system according to the present invention includes a customer information database for classifying and storing customer information for each item and an identifier for updating processing on an item requiring update processing among customer information items stored in the customer information database. When the financial transaction application is output to the customer and the update processing object identifier processing means, the customer information for each item stored in the customer information database is first checked, and the item containing the update processing object identifier is identified among the confirmed customer information for each item. After the second confirmation, the first confirmed customer information for each item is processed to be included in the existing customer information display area for each item in the financial transaction application, and the second item is displayed on the item display area or the adjacent area of the item display area in the financial transaction application. Process to include a special marker to indicate that it is subject to a verified update process. It characterized by comprising a ridge transaction application processing means.

The financial transaction application processing system according to the present invention is characterized in that it further comprises a financial transaction application output means for outputting a financial transaction application including a special mark indicating that the customer information for each existing item and the update processing target.

In the financial transaction application processing system according to the present invention, the financial transaction application output means may output the financial transaction application in a paper document, or output the financial transaction application in an electronic document.

The financial transaction application processing system according to the present invention, when a financial transaction application prepared by a customer is input or received, means for confirming new customer information corresponding to an item including a special mark indicating that the renewal processing object and the customer And updating means for updating the customer information corresponding to the item including the checked special mark on the information database with the checked new customer information.

On the other hand, the financial transaction application processing method according to the present invention, the update processing for describing the update processing target identifier on the item that needs to be updated among the customer information items stored in the customer information database that stores the customer information by item in the server When the target identifier processing step and outputting the financial transaction application to the customer, the server first checks the customer information for each item stored in the customer information database, and the item containing the update processing target identifier among the confirmed customer information for each item Confirming the second step, and in connection with the means for outputting the financial transaction application on the server, processing the first confirmed item information of the item to be included in the existing information item display area for each item in the financial transaction application to be output; Second confirmed update processing area in the My Item Display Area or the Item Display Area Adjacent Area. The financial transaction application process outputting the financial transaction application process including the special mark indicating that the customer information for each existing item and the renewal processing object are processed by the financial transaction application processing step and the financial transaction application output means for processing to include a special mark indicating that Characterized in that comprises a step.

The method for processing a financial transaction application according to the present invention includes the steps of checking new customer information corresponding to an item including a special mark indicating that the renewal processing target is received by a server when a financial transaction application prepared by a customer is input or received; And updating, at the server, customer information corresponding to the item including the checked special mark on the customer information database with the checked new customer information.

The method for processing a financial transaction application according to the present invention further comprises, when a financial transaction application prepared by a customer is input or received, further comprising the step of electronically documenting the financial transaction application at a server and transmitting the electronic document to the electronic document storage server. do.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described financial transaction application 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 thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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 examples 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 is only.

1 is a diagram illustrating a face-to-face customer information processing system for managing items that are inconsistent with previously stored items among customer information items on a financial transaction application according to an embodiment of the present invention.

In more detail, Figure 1 shows that when a given customer prepares and submits a financial transaction application form including at least one of customer information and financial transaction request information in order to manage an item that is inconsistent with a previously stored item among customer information items in the financial transaction application form. Obtaining a predetermined image content corresponding to the financial transaction application through a predetermined image acquisition device at a predetermined window terminal 190, and responding to the financial transaction application to a customer information processing system through a predetermined information registration interface. When the financial transaction application information and the image content obtained from the financial transaction application are provided, a predetermined financial transaction application electronic document including the image content is generated and stored in a predetermined electronic document storage and stored in the financial transaction application information. By integrating and processing the customer information and financial transaction request information included The present invention relates to a system configuration for storing in a predetermined storage medium 180. Specifically, the electronic document repository is provided on an external system connected to the customer information processing system through a predetermined communication means.

For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of FIG. 1 relates to a configuration of a customer information processing system for managing items that are inconsistent with previously stored items among customer information items in a financial transaction application. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the customer information processing system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 1, the financial transaction application electronic document corresponding to the financial transaction application is described as being generated on the server side on the customer information processing system, but the present invention is limited thereto. The financial transaction application electronic document may be generated on a terminal side that has acquired image content corresponding to the financial transaction application through a predetermined image acquisition device (for example, an electronic document generation function provided on the server side may be used. Provided at the terminal side to generate the financial transaction application electronic document), whereby the present invention is not limited.

Hereinafter, the financial transaction application information and image contents corresponding to the financial transaction application prepared by the customer are provided through a predetermined information registration interface on the customer information processing system shown in FIG. 1 to generate a predetermined financial transaction application electronic document. A component corresponding to at least one or more means and / or functional configurations for storing in a predetermined electronic document repository and storing the financial transaction application information in a predetermined storage medium 180 is referred to as " information registration server 100 " do.

Referring to FIG. 1 according to an embodiment of the present invention, a customer information processing system for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction application may be provided to at least one branch of a financial institution (or a branch). And an information registration terminal 195 including a counter terminal 190 provided. The information registration terminal 195 registers information provided on the customer information processing system through a predetermined financial network. The communication channel is connected to the server 100.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for managing an item that is inconsistent with a previously stored item among the customer information items on the financial transaction application form, and visits the financial institution branch (branch branch). A predetermined financial transaction application (for example, customer information items stored in the financial transaction application) for managing items that are inconsistent with previously stored items of the customer information items on the financial transaction application through the provided counter (or through the clerk). Document with a form for filling in at least one information item for item management that is inconsistent with the item), wherein the customer seals the customer's seal for legal reasons on the financial transaction application. It is desirable to.

Subsequently, when the customer submits the completed financial transaction application to the teller, the teller scans the request for the financial transaction through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal 190 Input (or select) financial transaction application information including at least one of image content obtained in response to the financial transaction application, customer information written in the financial transaction application, and financial transaction request information, and correspondingly The window terminal 190 preferably transmits the image content and the financial transaction application information to the information registration server 100 provided on the customer information processing system through the financial network.

Here, the window terminal 190 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 190 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 190 and the information registration server 100 is connected to the window terminal 190 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the customer information processing system as described above, an image acquiring device for acquiring image contents corresponding to the financial transaction application prepared by the customer, the teller terminal 190 used by the employee, the teller terminal 190 and the information. The financial network connecting the registration server 100 performs a function of an information registration interface for registering the financial transaction application information for the customer to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application.

The storage medium 180 provided on the customer information processing system according to the present invention is predetermined by integrating the customer information and the financial transaction request information included in the financial transaction application information provided from the information registration terminal 195. The storage medium 180 is characterized in that the storage.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And the financial transaction request information corresponding to the financial transaction application prepared for all financial transaction services provided by the financial institution according to the purpose.

For example, when the customer visits the financial institution and prepares a financial transaction application, when the created financial transaction application is a financial account opening application, the financial transaction request information is preferably financial account opening request information under the name of the customer.

In addition, when the customer visits the financial institution and prepares a financial transaction application, when the prepared financial transaction application is a current (or other) transfer application, the financial transaction request information is sent to the customer (or another person) by the customer. (Or the other line) It is preferable that the transfer application information is withdrawn from the financial account recorded on the transfer application, the amount specified by the customer is transferred to another account, that is, the transfer process.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial transaction application, and member information (eg, the customer By registering as a financial transaction customer of a financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the customer information processing system in response to the customer; It is preferable to include at least one.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 180 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 180 is provided with (or associated with) an Internet banking 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 customer D / B 185 provided on the customer information processing system according to the present invention mutually stores the customer information included in the financial transaction application information provided from the information registration terminal 195 and previously stored customer information. In comparison, in order to update the changes, the customer information is stored.

In addition, according to the intention and purpose of those skilled in the art, in response to a call center employee or the like during the telephone contact, e-mail, or DM sending, among the above customer information, change information that can be specified in advance in case of change is further added. It is also possible to store, including, but is not limited to the present invention.

According to one embodiment of the invention, the customer D / B 185 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), When the customer D / B 185 may be ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), thereby The present invention is not limited.

According to another embodiment of the present invention, the customer D / B 185 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer information processing system. It is possible to be provided in the DBMS on at least one or more banking system, and / or TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the customer information processing system according to the present invention is a generic term for components of the customer information processing system side connected to the information registration terminal 195 through a predetermined financial network. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 195 is a window terminal 190 connected to a predetermined financial network, the information registration server 100 is connected to the window terminal 190 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 195 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 195 is the window terminal 190 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 190, and providing 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 190 It is preferable.

Referring to FIG. 1, when the information registration terminal 195 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 provides the financial information. Acquire image contents corresponding to the financial transaction application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 195 to manage items inconsistent with previously stored items of the customer information items on the transaction application, Generate (or extract) at least one user interface for inputting (or selecting) financial transaction application information corresponding to the financial transaction application form and transmitting the same to the information registration server 100 and linking with the interface unit 105. The interface providing unit 110 (or the number of interface providing units) to provide the generated (or extracted) user interface to the information registration terminal 195. However, when the information registration terminal 195 inputs (or selects) and transmits the financial transaction application information corresponding to the financial transaction application through the user interface, the information registration terminal 195 registers the information in association with the interface unit 105. The information receiving unit 115 (or information receiving means) for receiving the financial transaction application information transmitted from the terminal 195 and the image registration device 195 through the predetermined image acquisition apparatus based on the user interface When the client acquires and transmits the image content corresponding to the financial transaction application, the image receiving unit 120 (or image receiving unit) receiving the image content corresponding to the financial transaction application in association with the interface unit 105; Read the image content received through the image receiving unit 120, the customer writes the changes when the financial transaction application form An image reading unit 125 (or image reading means) that reads the contents described in the station, and the customer D / B 185 when there is a change in the result of reading the image contents received by the image reading unit 125. The information management unit 145 (or information management means) for updating the customer information stored in the customer information stored in the above characterized in that the change is made.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface unit 105 through the information registration terminal 195, and then sends the information registration server 100 to the information registration server 100. When requesting a user interface for managing an item that is inconsistent with a previously stored item among the customer information items on the financial transaction application, the application corresponds to the financial transaction application prepared by the customer through a predetermined image acquisition device included in the information registration terminal 195. Generate at least one user interface for acquiring image content, inputting (or selecting) financial transaction application information corresponding to the financial transaction application, and transmitting the same to the information registration server 100 through the financial network; And / or extracted from a predetermined database (not shown) and interlocked with the interface unit 105 to generate (or extract) the above-mentioned. The user interface is characterized in that provided in the information registering terminal 195 through the financial network.

According to another embodiment of the present invention, the information registration terminal 195 acquires image contents corresponding to the financial transaction application written by the customer through a predetermined image acquisition device, and the financial transaction application information corresponding to the financial transaction application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the information to the information registration server 100 through the financial network is provided, Generate a user interface to obtain image content corresponding to the financial transaction application prepared by the customer, input (or select) financial transaction application information corresponding to the financial transaction application, and transmit the information to the information registration server 100. Interface providing unit 110 (or extract) to provide to the information registration terminal 195 And mubang be omitted, to which the present invention is not limited.

Thereafter, the information registration terminal 195 inputs (or selects) financial transaction application information including at least one of the customer information and financial transaction request information through the user interface, and inputs (or selects) the financial transaction. The application information is transmitted to the information registration server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 to transmit the financial information transmitted from the information registration terminal 195. And receiving transaction application information.

In addition, the information registration terminal 195 obtains the image content corresponding to the financial transaction 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 transmits to the information registration server 100, and in response thereto, the image receiving unit 120 receives image contents corresponding to the financial transaction application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the information registration terminal 195 acquires image contents corresponding to the financial transaction application written by the customer through a predetermined image acquisition device, and is provided in the information registration terminal 195. In the case of pre-stored in a predetermined storage device (or associated), the information registration terminal 195 corresponds to a financial transaction application written by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 connects the image content corresponding to the financial transaction application form in connection with the interface unit 105. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 195 combines the image content corresponding to the financial transaction application written by the customer and the financial transaction application information corresponding to the financial transaction application through the user interface. When transmitting, the information receiver 115 may receive the image content corresponding to the financial transaction application and the financial transaction application information together with the interface unit 105 (for example, the image receiver 120 may be received). Integrated into the information receiving unit 115), whereby the present invention is not limited.

When receiving the image content corresponding to the financial transaction application prepared by the customer, the image reading unit 125 confirms the presence or absence of the description items which the customer described when creating the financial transaction application on the received image content, If the customer has a description, it reads the description to read the customer information written on the financial transaction application to read the customer information and the changed history previously stored on the customer D / B (185) corresponding to the customer Characterized in that, according to the intention and purpose of those skilled in the art only checks whether the details described in the financial transaction application, the customer information corresponding to the details described in the financial transaction application information received through the information receiving unit 115 It is desirable to check the customer information contained in.

In addition, the image reading unit 125 is a customer on the customer D / B 185 in which the customer information included in the financial transaction application information read through the image reading unit 125 is stored in the customer information corresponding to the customer It is preferable to provide the information management unit 145 which checks the information and the presence or absence of the information and updates the unmatched customer information.

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

Referring to FIG. 1, when the information registration server 100 receives the financial transaction application information transmitted from the information registration terminal 195 through the information receiving unit 115, the received financial transaction application information is displayed. Characterized in that it comprises a validity check unit 130 to check whether the satisfaction of the item management items that are inconsistent with the previously stored items of the customer information items on the financial transaction application.

According to the implementation method of the present invention, the validity confirmation of the financial transaction application information is at least one or more ledgers matching the financial transaction application information to the ledger D / B (200) on the financial system associated with the customer information processing system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 130 of the information contained in the financial transaction application information, the customer information (customer information, personal information, etc.) is ledger D / B on the financial system linked to the customer information processing system It is preferably made to include matching with the customer ledger stored in 200.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 195 through the image receiving unit 120, and receives the financial information through the validity checking unit 130. When the validity of the transaction request information is authenticated, the electronic document generation unit 135 for generating a predetermined financial transaction request electronic document including the received image content and the generated financial transaction request electronic document process the customer information. And an electronic document transmission unit 140 for transmitting to the electronic document storage associated with the system.

The electronic document generating unit 135 generates a financial transaction request electronic document including the image contents received from the information registration terminal 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 135 receives the image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, the financial transaction application form. It is preferable to process the financial transaction application electronic document for managing the inconsistency of the previously stored items among the customer information items on the Internet.

Alternatively, the electronic document generating unit 135 is included in the financial transaction application information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. An image file corresponding to an image content including at least one of customer information and financial transaction request information in a watermarking manner, is used to manage an item that is inconsistent with a previously stored item among customer information items on the financial transaction application. It is desirable to create a transaction request electronic document.

According to another embodiment of the present invention, the electronic document generating unit 135 is a predetermined document file (eg, including the image content received from the information registration terminal 195 through the image receiving unit 120) Generating a Portable Document Format (PDF) file, 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; It is preferable to generate an electronic document for financial transaction application for managing an item that is inconsistent with a previously stored item among customer information items.

Alternatively, the electronic document generating unit 135 is included in the financial transaction application information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. Generates image content including at least one of customer information and financial transaction request information by watermarking, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content. 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 MHT). It is desirable to create a financial transaction request electronic document for managing items inconsistent with the items.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 receives the image contents and the information receiving unit 115 received from the information registration terminal 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.) containing the received financial transaction application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a financial transaction application electronic document for managing items that are inconsistent with previously stored items of the customer information items on the financial transaction application.

Alternatively, the electronic document generating unit 135 is included in the financial transaction application information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. Generates image content including at least one of customer information and financial transaction request information in a watermarking manner, and includes a predetermined document file (eg, PDF) including the generated image content and the financial transaction application information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a financial transaction application electronic document for managing items that are inconsistent with previously stored items among customer information items.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 135 generates a financial transaction application electronic document of the image file format and / or a predetermined document file format, and the financial Since the technical features of the file format of the image file and / or document file corresponding to the transaction request electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 140 transmits and stores the financial transaction request electronic document generated by the electronic document generation unit 135 to a predetermined electronic document storage area linked to the customer information processing system. do.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the customer information processing system with a predetermined electronic document server 155 and an electronic document D / B 175 through predetermined communication means. When provided to the outside, the electronic document transmission unit 140 is the electronic document server 155 through the communication means for the financial transaction application electronic document generated by the electronic document generation unit 135 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 customer information processing 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 the DBMS provided in the customer information processing system, the electronic document transmitting unit 140 is generated by the electronic document generating unit 135. It is possible to store the financial transaction application electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the customer information processing system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 140 may provide electronic document related information (eg, a financial transaction corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. Customer information that filled out the application, and / or financial institution information transmitting the financial transaction request electronic document, and / or electronic document file format information, and / or the financial transaction application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 1, the information registration server 100 stores the financial transaction application information received through the information receiving unit 115 in the customer information items on the financial transaction application through the validity checking unit 130. When the validity for the management of the item inconsistent with the authentication is authenticated, the information storage unit for storing the information stored in the predetermined storage medium 180 by linking the customer information, the financial transaction request information included in the financial transaction application information of the validity ( And 150).

When the validity of the financial transaction application information is confirmed by the validity confirmation unit 130, the information storage unit 150 stores the data by linking and processing the customer information and the financial transaction request information included in the financial transaction application information. Characterized in that the storage medium 180 is provided in the information registration server 100 or in the network associated with the information registration server 100. The unit 150 preferably associates and stores the customer information and the financial transaction request information included in the received financial transaction application information in the storage medium 180, and the storage medium 180 is located on the financial system. When provided in the DBMS provided in the, the information storage unit 150 provides the customer information, financial transaction request information included in the received financial transaction application information to the information system through the external system on the financial system It is preferable to store in a DBMS provided on the financial system.

Referring to FIG. 1, the information registration server 100 provided on the customer information processing system outputs customer information on a financial transaction application to be provided to a customer who visits the financial institution and requests a financial transaction application. An identifier processing unit 152 (or identifier processing means) for writing an update processing target identifier on an item requiring update processing among previously stored customer information, and a D / D storing the customer information when the financial transaction application is output to the customer. Application processing unit 153 (or application processing means) for confirming the customer information on the B, and when the financial transaction application is outputted and provided to the customer, the customer information for each existing item and a mark indicating that the update processing target And an application output unit (or application output means) for outputting the financial transaction application.

The identifier processing unit 152 may include an update processing target identifier on an item for which update processing is required among customer information items stored in the D / B in which the customer information is stored.

According to an embodiment of the present invention, when the D / B in which the customer information is stored is the customer information in the customer ledger stored in the ledger D / B on the financial system, the update processing object identifier is a request for storage to the financial system. desirable.

According to another exemplary embodiment of the present invention, when the D / B in which the customer information is stored is the customer information stored in the D / B on the customer information management server (not shown), the update processing target identifier is the customer information management server ( It is preferable to request the storage.

According to another exemplary embodiment of the present invention, when the D / B in which the customer information is stored is a storage medium on the information registration server 100, the information storage unit 150 provided on the information registration server is connected to the information storage server 150. It is preferable to describe the update processing object identifier on the item in which the update processing is required among the customer information items.

The application processing unit 153, when outputting the financial transaction application to the customer, characterized in that to confirm the customer information on the D / B stored the customer information.

According to an embodiment of the present invention, when the financial transaction application is output to the customer, the customer information for each item stored in the D / B stored with the customer information is first checked, and the update processing target identifier is described among the confirmed customer information for each item. After confirming the item secondly, the customer information for each item identified first is processed to be included in the existing customer information display area for each item in the financial transaction application, and on the item display area or the item display area adjacent area of the financial transaction application. It is desirable to process a special marker to indicate that it is subject to a secondary confirmed update process.

When the application output unit 154 outputs the financial transaction application and provides it to the customer, the application information output unit 154 outputs the financial transaction application including the customer information for each existing item and a mark indicating that it is subject to an update process.

According to the implementation method of the present invention, when the output of the financial transaction application is output through the predetermined terminal (for example, a window terminal, etc.) associated with the server, it informs that the customer information for each existing item and the subject of update processing. It is preferable to output a financial transaction application including a mark, and the financial transaction application is preferably a paper document.

Referring to FIG. 1, an electronic document that receives a predetermined financial transaction request electronic document from the information registration server 100 provided on the customer information processing system and stores and manages the electronic document in a predetermined electronic document D / B 175. The server 155 receives the electronic document receiver 160 for receiving a predetermined financial transaction request electronic document from the information registration server 100 through a predetermined communication means, and transmits the received financial transaction request electronic document to the electronic document. An information generation unit 165 for generating predetermined electronic document management information for storage and management in the document D / B 175, and the electronic document management information and the financial transaction application electronic document in a cooperative process. It is characterized in that it comprises an electronic document storage unit 170 for storing in the D / B (175).

The electronic document receiving unit 160 may receive a financial transaction request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the financial transaction request electronic document received by the electronic document receiving unit 160 through the communication means is an image content received by the information registration server 100 from the information registration terminal 195. It is preferable that the image file including the same as it is made.

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 160 through the communication means may include the financial transaction request information in the image content received by the information registration server 100 from the information registration terminal 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 transaction request information contained in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial transaction request electronic document received by the electronic document receiver 160 through the communication means is an image received by the information registration server 100 from the information registration terminal 195. A predetermined document file including contents (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, etc.), or a web document including an MHT. File).

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 160 through the communication means is included in the financial transaction request information on the image content received by the information registration server 100 from the information registration terminal 195. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including an image content including at least one or more of customer information and financial transaction request information included in a watermarking method. ), 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 financial transaction request electronic document received by the electronic document receiver 160 through the communication means is received by the information registration server 100 from the information registration terminal 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, or an HWP / DOC) including an image content and the financial transaction application information. , Or a web document file including MHT).

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 160 through the communication means is included in the financial transaction request information on the image content received by the information registration server 100 from the information registration terminal 195. Image content including at least one or more of the included customer information and financial transaction request information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the financial transaction application information, 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).

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the financial transaction 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 financial transaction request electronic document was received (or a date and time at which the financial transaction application electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 165 refers to the financial transaction request electronic document received through the electronic document receiving unit 160, and the financial transaction request application. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the 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 information registration server 100 through the electronic document receiving unit 160, the information generating unit 165 receives the received information. Electronic document-related information (e.g., customer information for preparing a financial transaction application corresponding to the image content, and / or financial institution information for transmitting the financial transaction request electronic document, and / or electronic document file format information, and / or the It is preferable to generate the electronic document management information further including the financial transaction application information).

The electronic document storage unit 170 associates a financial transaction request electronic document received through the electronic document receiving unit 160 with electronic document management information generated by the information generating unit 165 to process a predetermined electronic document D. / B (175) characterized in that the storage.

According to the exemplary embodiment of the present invention, the financial registration request electronic document stored in the electronic document storage unit 170 by the electronic document storage unit 170, the information registration server 100 is the information registration terminal 195 It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the image content received by the information registration server 100 from the information registration terminal 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, the financial transaction request information included in the financial transaction application information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial registration request electronic document stored in the electronic document storage unit 170 in the electronic document D / B (175) is the information registration server 100 is the information registration terminal ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including image content received from 195, or Web document file including MHT).

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is stored in the image content received by the information registration server 100 from the information registration terminal 195. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more information of customer information and financial transaction request information included in the financial transaction request information by a watermarking method; 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 embodiment of the present invention, the financial transaction request electronic document stored in the electronic document storage unit 170 in the electronic document D / B (175) is the information registration server 100 is the information registration terminal At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from the 195 and the financial transaction application information. Preferably includes a word processor file or a web document file including an MHT.

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

According to the 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 financial transaction application electronic document, the financial transaction application electronics Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the 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 financial transaction request electronic document is the financial transaction request. Preferably, the financial transaction request electronic document confirmed by referring to the information registration server 100 which transmitted the electronic document is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 170 processes the connection with the financial transaction request 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 in which a financial transaction application corresponding to the image content is prepared, and / or the financial transaction request electronics). Financial institution information for transmitting the document, and / or electronic document file format information, and / or the financial transaction application information).

Figure 2 is a financial transaction stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the management of items inconsistent with the previously stored items of the customer information items on the financial transaction application in accordance with an embodiment of the present invention It is a figure which shows the structure of application information.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 180 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. FIG. 2 illustrates an information structure for an implementation method of storing financial transaction application information including the customer information and financial transaction request information. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various information construction methods for storing the financial transaction application information in the ledger D / B 200, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method shown.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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 relationally, 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 account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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 financial transaction application information provided through the customer information processing system illustrated in FIG. 1 may be stored in the form of additional information added to the account ledger. The financial transaction application information may include customer information, And at least one financial transaction request information.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And the financial transaction request information corresponding to the financial transaction application prepared for all financial transaction services provided by the financial institution according to the purpose.

For example, when the customer visits the financial institution and prepares a financial transaction application, when the created financial transaction application is a financial account opening application, the financial transaction request information is preferably financial account opening request information under the name of the customer.

In addition, when the customer visits the financial institution and prepares a financial transaction application, when the prepared financial transaction application is a current (or other) transfer application, the financial transaction request information is sent to the customer (or another person) by the customer. (Or the other) It is preferable that the transfer application information is to be withdrawn from the financial account recorded on the transfer application and deposited into another account, that is, transfer processing.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial transaction application, and member information (eg, the customer By registering as a financial transaction customer of a financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the customer information processing system in response to the customer; It is preferable to include at least one.

According to another exemplary embodiment of the present invention, the financial transaction application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 3 is linked to the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the management of items that are inconsistent with previously stored items of the customer information items on the financial transaction application in accordance with another embodiment of the present invention A diagram illustrating a configuration of financial transaction application information stored in a database.

In more detail, FIG. 3 shows an information structure for an embodiment in which the storage medium 180 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to link the financial transaction application information to the ledger D / B 200 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the financial transaction application information is not easily stored in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of a financial institution). When it is not easy to change the D / B 200 or the system expansion is not easy due to the characteristics of the financial system), the financial transaction application information is stored in a predetermined database instead of the ledger D / B 200. , An implementation method of linking and storing the database and the ledger D / B 200 is illustrated.

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

Referring to FIG. 3, the database stores and stores the customer information and the financial transaction request information included in the financial transaction application information, and the financial transaction application information is stored in the ledger D / B 200. It is preferable that the financial transaction application information further includes a CIF number corresponding to the ledger information in order to be linked.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And the financial transaction request information corresponding to the financial transaction application prepared for all financial transaction services provided by the financial institution according to the purpose.

For example, when the customer visits the financial institution and prepares a financial transaction application, when the created financial transaction application is a financial account opening application, the financial transaction request information is preferably financial account opening request information under the name of the customer.

In addition, when the customer visits the financial institution and prepares a financial transaction application, if the created financial transaction application is a current (or other) transfer application, the financial transaction request information may be sent to the client (or other person). It is preferable that the transfer application information is used to withdraw the amount specified by the customer from the financial account recorded on the transfer (or other) transfer application and transfer it to another account, that is, transfer processing.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial transaction application, and member information (eg, the customer By registering as a financial transaction customer of a financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the customer information processing system in response to the customer; It is preferable to include at least one.

Figure 4 illustrates the configuration of the financial transaction application information stored in the DBMS provided in the banking server in a face-to-face manner for the management of items inconsistent with previously stored items of the customer information items on the financial transaction application according to another embodiment of the present invention Drawing.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on financial transaction application 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.

Referring to FIG. 4, a predetermined DBMS provided in the banking server may store and store customer information and financial transaction request information included in the financial transaction application information.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And the financial transaction request information corresponding to the financial transaction application prepared for all financial transaction services provided by the financial institution according to the purpose.

For example, when the customer visits the financial institution and prepares a financial transaction application, when the created financial transaction application is a financial account opening application, the financial transaction request information is preferably financial account opening request information under the name of the customer.

In addition, when the customer visits the financial institution and prepares a financial transaction application, if the created financial transaction application is a current (or other) transfer application, the financial transaction request information may be sent to the client (or other person). It is preferable that the transfer application information is used to withdraw the amount specified by the customer from the financial account recorded on the transfer (or other) transfer application and transfer it to another account, that is, transfer processing.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial transaction application, and member information (eg, the customer By registering as a financial transaction customer of a financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the customer information processing system in response to the customer; It is preferable to include at least one.

5A and 5B illustrate a process of registering financial transaction application information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 5A and 5B show an information registration terminal 195 on the customer information processing system shown in FIG. 1 as a teller terminal 190 provided at a branch (or branch) of a financial institution, and the information registration server ( When 100) has a ledger server (not shown) function on the financial system associated with the counter terminal 190 through a predetermined financial network, a predetermined customer may have previously stored items among the customer information items on the financial transaction application form. When a financial transaction application including at least one of customer information and financial transaction request information is prepared and submitted for managing a mismatched item, a corresponding window terminal 190 corresponds to the financial transaction application through a predetermined image acquisition device. Obtain a predetermined image content, and the financial transaction application information corresponding to the financial transaction application to the customer information processing system through a predetermined information registration interface And providing the image content obtained from the financial transaction application form, generates a predetermined financial transaction application electronic document including the image content, and stores the electronic document in a predetermined electronic document repository, and the customer included in the financial transaction application information. The present invention relates to an implementation method of linking information and financial transaction request information to a predetermined storage medium 180, and specifically, corresponding to the financial transaction application through a predetermined image acquisition device in the window terminal 190. A method of acquiring and transmitting image content of the transaction information to the information registration server 100 and then inputting (or selecting) financial transaction application information corresponding to the financial transaction application form and transmitting the image content to the information registration server 100. It is.

Those skilled in the art to which the present invention pertains register the financial transaction application information with the information registration server 100 at the window terminal 190 by referring to and / or modifying the drawings 5a and 5b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 190 acquires predetermined image contents corresponding to the financial transaction application through a predetermined image acquisition device, and / or the financial transaction application. Although a user interface for inputting (or selecting) financial transaction application information corresponding to the description is illustrated as being provided from the information registration server 100, but if a predetermined information registration program is provided in the window terminal 190, The user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 190 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and the financial transaction request information transmitted from the window terminal 190 to the information registration server 100 are referred to as "financial transaction application information" for convenience.

Referring to FIGS. 5A and 5B, a predetermined customer prepares a financial transaction application form including at least one of customer information and financial transaction request information in order to manage an item inconsistent with a previously stored item among customer information items on the financial transaction application. When submitted, the window terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and among the customer information items on the financial transaction application corresponding to the financial transaction application. If a user interface for managing an item that is inconsistent with a previously stored item is requested (500), the server corresponds to predetermined image content corresponding to the financial transaction application written by the customer through a predetermined image obtaining device in the terminal. Generate (or extract) a user interface for acquiring and transmitting the data to the server (505), and The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (510).

Thereafter, the terminal acquires image content corresponding to the financial transaction application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the financial transaction 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 reads the received image curtains and checks whether there is change information (527).

If there is change information (528), the server updates the item-specific customer information corresponding to the read change information (529).

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

Thereafter, the server inputs (or selects) financial transaction application information including at least one of customer information and financial transaction request information corresponding to the financial transaction application that matches the image content, and transmits the user interface to the server. The generated (or extracted) user interface is transmitted (530) and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) financial transaction application information including at least one of the customer information and financial transaction request information through the user interface (540).

If the financial transaction application information including at least one of the customer information and the financial transaction request information is input (or selected) through the user interface (545), the terminal inputs (or selects) the server to the server through the financial network. The selected financial transaction application information is transmitted (550).

Thereafter, the server receives and reads financial transaction application information including at least one of the customer information and financial transaction request information through the financial network to check the validity of the financial transaction application information (555).

According to the implementation method of the present invention, the validity check of the financial transaction application information is at least one or more ledger information matching the financial transaction application information in the ledger D / B (200) on the financial system associated with the customer information processing system It is preferable to include checking whether is registered.

For example, the validity confirming unit 130 of the information contained in the financial transaction application information, the customer information (customer information, personal information, etc.) is ledger D / B on the financial system linked to the customer information processing system It is preferably made to include matching with the customer ledger stored in 200.

If the validity of the financial transaction application information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and performs an information registration procedure corresponding to the financial transaction application information. Do not perform.

On the other hand, if the validity of the financial transaction application information is authenticated (560), the server generates a predetermined financial transaction application electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, among the customer information items on the financial transaction application form. It is preferable to process the financial transaction request electronic document for managing items that are inconsistent with the stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate a financial transaction request electronic document for managing an item in which an image file corresponding to image content including at least one or more of the information by watermarking is inconsistent with previously stored items among the customer information items on the financial transaction application. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 195 through the image receiving unit 120. File, 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 preferable to generate a financial transaction request electronic document for managing items that are inconsistent with previously stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application form. It is desirable to create a financial transaction request electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the financial transaction 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 financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generates image content including at least one or more of the information by a watermarking method, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the financial transaction application information. 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 MHT). It is desirable to create a financial transaction request electronic document for managing items inconsistent with the items.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial transaction request electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial transaction request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial transaction request 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 customer information processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial transaction request 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 a DBMS provided in the customer information processing system, the server corresponds to the electronic document storage on the DBMS provided in the customer information processing system. The electronic document D / B 175 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, storing the financial transaction request electronic document in the electronic document repository may be performed by linking the generated financial transaction request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 financial transaction request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial transaction application corresponding to the image content, and / or financial institution information for transmitting the financial transaction application electronic document, and / or Electronic document file format information, and / or the financial transaction application information).

If the financial transaction request electronic document is stored in the electronic document repository (580), the server processes the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 180 Storage 585, predetermined information registration history information (e.g., a history of storing the financial transaction application electronic document in the electronic document repository, and / or a history of storing the financial transaction application information in the storage medium 180; ) Is generated (or extracted) and transmitted to the terminal (590).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 180 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200. It is not limited.

According to another exemplary embodiment of the present invention, the storage medium 180 is provided with (or associated with) an Internet banking 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 registering financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B show an information registration terminal 195 on the customer information processing system shown in FIG. 1 as a teller terminal 190 provided at a branch (or a branch) of a financial institution, and the information registration server ( When 100) has a ledger server (not shown) function on the financial system associated with the counter terminal 190 through a predetermined financial network, a predetermined customer may have previously stored items among the customer information items on the financial transaction application form. When a financial transaction application including at least one of customer information and financial transaction request information is prepared and submitted for managing a mismatched item, a corresponding window terminal 190 corresponds to the financial transaction application through a predetermined image acquisition device. Obtain a predetermined image content, and the financial transaction application information corresponding to the financial transaction application to the customer information processing system through a predetermined information registration interface And providing the image content obtained from the financial transaction application form, generates a predetermined financial transaction application electronic document including the image content, and stores the electronic document in a predetermined electronic document repository, and the customer included in the financial transaction application information. The present invention relates to an implementation method of linking information and financial transaction request information to a predetermined storage medium 180. Specifically, the counter terminal 190 inputs financial transaction application information corresponding to the financial transaction application form (or Select and transmit it to the information registration server 100, and then obtain a predetermined image content corresponding to the financial transaction application through a predetermined image acquisition device and transmit it to the information registration server 100. It is.

Those skilled in the art to which the present invention pertains register the financial transaction application information with the information registration server 100 at the window terminal 190 by referring to and / or modifying the drawings 6a and 6b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method shown in FIGS. 6A and 6B, the window terminal 190 acquires predetermined image contents corresponding to the financial transaction application through a predetermined image acquisition device, and / or the financial transaction application. Although a user interface for inputting (or selecting) financial transaction application information corresponding to the description is illustrated as being provided from the information registration server 100, but if a predetermined information registration program is provided in the window terminal 190, The user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 190 shown in FIG. 1 in FIG. 6A and FIG. 6B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and the financial transaction request information transmitted from the window terminal 190 to the information registration server 100 are referred to as "financial transaction application information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer prepares a financial transaction application including at least one of customer information and financial transaction request information in order to manage an item inconsistent with a previously stored item among customer information items on the financial transaction application. When submitted, the window terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and among the customer information items on the financial transaction application corresponding to the financial transaction application. If a user interface for managing an item that is inconsistent with a previously stored item is requested (600), the server correspondingly corresponds to a financial transaction including at least one of customer information and financial transaction request information corresponding to the financial transaction application prepared by the customer. Create a user interface for entering (or selecting) application information and sending it to the server (or Extract (605), and transmits the generated (or extracted) user interface to the terminal through the financial network (610).

Thereafter, the terminal inputs (or selects) financial transaction application information including at least one of the customer information and financial transaction request information through the user interface (615).

If financial transaction application information including at least one of the customer information and financial transaction request information is input (or selected) through the user interface (620), the terminal inputs (or selects) the server to the server through the financial network. The selected financial transaction application information is transmitted (625).

Thereafter, the server receives and reads financial transaction application information including at least one of the customer information and financial transaction request information through the financial network to confirm the validity of the financial transaction application information (630).

According to the implementation method of the present invention, the validity check of the financial transaction application information is at least one or more ledger information matching the financial transaction application information in the ledger D / B (200) on the financial system associated with the customer information processing system It is preferable to include checking whether is registered.

For example, the validity confirming unit 130 of the information contained in the financial transaction application information, the customer information (customer information, personal information, etc.) is ledger D / B on the financial system linked to the customer information processing system It is preferably made to include matching with the customer ledger stored in 200.

If the validity of the financial transaction application information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and performs an information registration procedure corresponding to the financial transaction application information. Do not perform.

On the other hand, if the validity of the financial transaction application information is authenticated (635), the server acquires the predetermined image content corresponding to the financial transaction application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (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 financial transaction application through a predetermined image obtaining apparatus based on the user interface (655).

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

Thereafter, the server reads the received image curtain to check whether there is change information (667).

If there is change information (668), the server updates the item-specific customer information corresponding to the read change information (669).

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

The server receiving the financial transaction request information and the image content from the terminal generates a predetermined financial transaction request electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, among the customer information items on the financial transaction application form. It is preferable to process the financial transaction request electronic document for managing items that are inconsistent with the stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate a financial transaction request electronic document for managing an item in which an image file corresponding to image content including at least one or more of the information by watermarking is inconsistent with previously stored items among the customer information items on the financial transaction application. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 195 through the image receiving unit 120. File, 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 desirable to create a financial transaction request electronic document for managing items that are inconsistent with the stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application form. It is desirable to create a financial transaction request electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the financial transaction 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 financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generates image content including at least one or more of the information by a watermarking method, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the financial transaction application information. 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 MHT). It is desirable to create a financial transaction request electronic document for managing items inconsistent with the items.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial transaction request electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial transaction request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial transaction request 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 customer information processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial transaction request 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 a DBMS provided in the customer information processing system, the server corresponds to the electronic document storage on the DBMS provided in the customer information processing system. The electronic document D / B 175 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, storing the financial transaction request electronic document in the electronic document repository may be performed by linking the generated financial transaction request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 financial transaction request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial transaction application corresponding to the image content, and / or financial institution information for transmitting the financial transaction application electronic document, and / or Electronic document file format information, and / or the financial transaction application information).

If the financial transaction request electronic document is stored in the electronic document repository (680), the server processes the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 180 Store 685, predetermined information registration history information (e.g., the details of storing the financial transaction application electronic document in the electronic document repository, and / or the details of storing the financial transaction application information in the storage medium 180; ) Is generated (or extracted) and transmitted to the terminal (690).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 180 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 180 is provided with (or associated with) an Internet banking 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 registering financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a window terminal 190 in which an information registration terminal 195 on the customer information processing system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the information registration server ( When 100) has a ledger server (not shown) function on the financial system associated with the counter terminal 190 through a predetermined financial network, a predetermined customer may have previously stored items among the customer information items on the financial transaction application form. When a financial transaction application including at least one of customer information and financial transaction request information is prepared and submitted for managing a mismatched item, a corresponding window terminal 190 corresponds to the financial transaction application through a predetermined image acquisition device. Obtain a predetermined image content, and the financial transaction application information corresponding to the financial transaction application to the customer information processing system through a predetermined information registration interface And providing the image content obtained from the financial transaction application form, generates a predetermined financial transaction application electronic document including the image content, and stores the electronic document in a predetermined electronic document repository, and the customer included in the financial transaction application information. The present invention relates to an implementation method of linking information and financial transaction request information to a predetermined storage medium 180, and specifically, corresponding to the financial transaction application through a predetermined image acquisition device in the window terminal 190. It illustrates an implementation method of acquiring the image content of the image, inputting (or selecting) the financial transaction application information corresponding to the financial transaction application, and transmitting it to the information registration server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the financial transaction application information from the window terminal 190 to the information registration server 100. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the window terminal 190 acquires predetermined image contents corresponding to the financial transaction application through a predetermined image acquisition device, and / or the financial transaction application. Although a user interface for inputting (or selecting) financial transaction application information corresponding to the description is illustrated as being provided from the information registration server 100, but if a predetermined information registration program is provided in the window terminal 190, The user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 190 shown in FIG. 1 is referred to as "terminal" in FIGS. 7A and 7B, and the information registration server 100 shown in FIG. 1 is referred to as "server" for convenience. The customer information and the financial transaction request information transmitted from the window terminal 190 to the information registration server 100 are referred to as "financial transaction application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer prepares a financial transaction application form including at least one customer information and financial transaction request information in order to manage an item that is inconsistent with a previously stored item among customer information items on the financial transaction application. When submitted, the window terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and among the customer information items on the financial transaction application corresponding to the financial transaction application. When requesting a user interface for managing an item that is inconsistent with a previously stored item (700), in response, the server inputs (or selects) financial transaction application information corresponding to the financial transaction application written by the customer in the terminal, By obtaining a predetermined image content corresponding to the financial transaction application through a predetermined image acquisition device Generating a user interface for transmission to the server group (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) financial transaction application information including at least one of the customer information and financial transaction request information through the user interface (715).

If the financial transaction application information including at least one of the customer information and the financial transaction request information is input (or selected) through the user interface (720), the terminal may acquire a predetermined image obtaining apparatus based on the user interface. In operation 725, image content corresponding to the financial transaction application is obtained.

If image content corresponding to the financial transaction application is obtained through the image acquisition device (730), the terminal transmits the financial transaction application information and the image content to the server through the financial network (735).

Thereafter, the server reads the received image curtains and checks whether there is change information (737).

If there is change information (738), the server updates the customer information for each item corresponding to the read change information (739).

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

Thereafter, the server receives and reads financial transaction application information including at least one of the customer information and financial transaction request information through the financial network to confirm validity of the financial transaction application information (740).

According to the implementation method of the present invention, the validity confirmation of the financial transaction application information is at least one or more ledgers matching the financial transaction application information to the ledger D / B (200) on the financial system associated with the customer information processing system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 130 of the information contained in the financial transaction application information, the customer information (customer information, personal information, etc.) is ledger D / B on the financial system linked to the customer information processing system It is preferably made to include matching with the customer ledger stored in 200.

If the validity of the financial transaction application information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and performs an information registration procedure corresponding to the financial transaction application information. Do not perform.

On the other hand, if the validity of the financial transaction application information is authenticated (745), the server generates a predetermined financial transaction application electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, among the customer information items on the financial transaction application form. It is preferable to process the financial transaction request electronic document for managing items that are inconsistent with the stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate a financial transaction request electronic document for managing an item in which an image file corresponding to image content including at least one or more of the information by watermarking is inconsistent with previously stored items among the customer information items on the financial transaction application. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 195 through the image receiving unit 120. File, 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 desirable to create a financial transaction request electronic document for managing items that are inconsistent with the stored items.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more of the information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application form. It is desirable to create a financial transaction request electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the financial transaction 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 financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application.

Alternatively, the server may include customer information and a financial transaction request included in the financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generates image content including at least one or more of the information by a watermarking method, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the financial transaction application information. 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 MHT). It is desirable to create a financial transaction request electronic document for managing items inconsistent with the items.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial transaction request electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial transaction request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial transaction request 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 customer information processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial transaction request 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 a DBMS provided in the customer information processing system, the server corresponds to the electronic document storage on the DBMS provided in the customer information processing system. The electronic document D / B 175 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, storing the financial transaction request electronic document in the electronic document repository may be performed by linking the generated financial transaction request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 financial transaction request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial transaction application corresponding to the image content, and / or financial institution information for transmitting the financial transaction application electronic document, and / or Electronic document file format information, and / or the financial transaction application information).

If the financial transaction request electronic document is stored in the electronic document repository (765), the server processes the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 180 Storage 770, predetermined information registration history information (e.g., a history of storing the financial transaction application electronic document in the electronic document storage, and / or a history of storing the financial transaction application information in the storage medium 180; ) Is generated (or extracted) and transmitted to the terminal (775).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 180 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 180 is provided with (or associated with) an Internet banking 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 customer information processing system for managing an item that is inconsistent with a previously stored item among customer information items on a financial transaction application interface according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that a predetermined customer manages a customer information and a financial transaction request information for managing an item that is inconsistent with a previously stored item among the customer information items on the financial transaction application interface through a predetermined information registration interface. When providing financial transaction application information including at least one of the, the customer information processing system generates a predetermined financial transaction application electronic document containing the provided financial transaction application information and store in a predetermined electronic document storage, the financial A system configuration for linking and processing the customer information and the financial transaction request information included in the transaction application information in a predetermined storage medium 870. Specifically, the electronic document repository stores the customer information through a predetermined communication means. Implementation on external system linked with processing system It is for the law.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to construct a customer information processing system for managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the customer information processing system. It will be appreciated that the present invention includes all 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 financial transaction application electronic document is illustrated as being generated on the server side on the customer information processing system, but the present invention is not limited thereto. The transaction request electronic document may be generated on the terminal side that inputs (or selects) the financial transaction application information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Document), by which the present invention is not limited.

Hereinafter, the financial transaction application information is received from the customer through a predetermined information registration interface on the customer information processing system shown in FIG. 8, and a predetermined financial transaction application electronic document is generated and stored in a predetermined electronic document repository. At least one means for storing the financial transaction application information in a predetermined storage medium 870 and / or a component corresponding to a functional configuration is referred to as "information registration server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a customer information processing system for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction request interface may include a wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 880 including at least one or more client terminals including at least one, wherein the information registration terminal 880 is provided on the customer information processing system through a predetermined network means. The communication channel is connected to the information registration server 800 provided in the.

According to an embodiment of the present invention, the customer accesses the information registration 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, When the financial transaction application information is input (or selected) for managing an item inconsistent with a previously stored item among the customer information items on the financial transaction application interface through at least one user interface provided by the information registration server 800, It is preferable to transmit from the client terminal to the information registration server 800 provided on the customer information processing 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 at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (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 Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration 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 the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes 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 information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration 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 information registration 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 customer information processing 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 information registration server 800. And / or the wireless communication network performs a function of an information registration interface for registering the financial transaction application information for managing the item in which the customer is inconsistent with a previously stored item among the customer information items on the financial transaction application interface.

According to another exemplary embodiment of the present invention, the information registration terminal 880 is 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 customer information processing system as described above, when the information registration terminal 880 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (not shown) and the information registration The financial network connecting the server 800 performs a function of an information registration interface for registering the financial transaction application information for the customer to manage items that are inconsistent with previously stored items of the customer information items on the financial transaction application interface, And / or a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 800 when the information registration terminal 880 is the call terminal (not shown); And / or the wireless telephone network applies for financial transactions to manage items in which the customer is inconsistent with previously stored items in the customer information items on the financial transaction application interface. Performing the function of an information registration interface for registering information, and / or the information registration terminal 880 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal; (And / or server) (not shown) and the terminal (and / or server) (not shown) and the network connecting the information registration server 800 is the customer of the customer information items on the financial transaction application interface It performs a function of an information registration interface for registering financial transaction application information for managing items inconsistent with stored items.

The storage medium 870 provided on the customer information processing system according to the present invention is predetermined by connecting and processing the customer information and the financial transaction request information included in the financial transaction application information provided from the information registration terminal 880. The storage medium 870 is characterized in that the storage.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And financial transaction request information for use of all financial transaction services provided by financial institutions according to the purpose.

For example, when the customer inputs financial transaction application information through a user interface for inputting financial transaction application information provided through a non-face-to-face channel provided by the financial institution, the financial transaction application information is the application information for opening a financial account. In this case, the financial transaction request information is preferably a financial account opening request information in the name of the customer.

In addition, when the customer enters the financial transaction application information through the user interface for inputting the financial transaction application information provided through the non-face-to-face channel provided by the financial institution, the entered financial transaction application information is transferred (or the other party). In the case of the application information, the financial transaction request information is that the customer withdraws the amount specified by the customer from the financial account included in the transaction (or other) transfer application information to the person (or other) to the other account, that is, It is preferable that it is transfer application information to process transfer.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the customer information processing system corresponding to the customer by It is preferable to make.

According to one embodiment of the invention, the storage medium 870 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 870 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, whereby the present invention is limited. Not.

According to another embodiment of the present invention, the storage medium 870 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer information processing system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

The customer D / B 875 provided on the customer information processing system according to the present invention mutually stores the customer information included in the financial transaction application information provided from the information registration terminal 880 and previously stored customer information. In comparison, in order to update the changes, the customer information is stored.

In addition, according to the intention and purpose of those skilled in the art, in response to a call center employee or the like during the telephone contact, e-mail, or DM sending, among the above customer information, change information that can be specified in advance in case of change is further added. It is also possible to store, including, but is not limited to the present invention.

According to one embodiment of the invention, the customer D / B 875 is preferably provided in a DBMS on the financial system provided on the customer information processing system (or associated with the customer information processing system), When the customer D / B 875 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the customer D / B 875 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer information processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the customer information processing system according to the present invention is a generic term for components of the customer information processing system side connected to the information registration terminal 880 through a predetermined network means. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 880 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 information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to 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, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the alien, a program provided 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, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is the A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 800 is provided with an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 880 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 880 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 805 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

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 information registration 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 information registration terminal 880 is a financial automatic 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 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 embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is 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 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, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 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 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 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 embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 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. 8, when the predetermined information registration terminal 880 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the financial information is provided. In order to manage an item inconsistent with a previously stored item among customer information items on a transaction request interface, the information registration terminal 880 inputs (or selects) predetermined financial transaction request information and transmits it to the information registration server 800. An interface providing unit 810 (or generating) (or extracting) at least one user interface and providing the generated (or extracted) user interface to the information registration terminal 880 in association with the interface unit 805. Interface providing means) and when the information registration terminal 880 inputs (or selects) and transmits the financial transaction application information through the user interface, Information receiving unit 815 (or information receiving means) for receiving the financial transaction application information transmitted from the information registration terminal 880 in association with the interface unit 805, and the information received through the information receiving unit 815 In the case where the change information is included in the customer information stored on the customer D / B 875 is characterized in that it comprises an information management unit 835 (or information management means) for updating the processing information with the change information .

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction request interface, the information registration terminal 880 inputs (or selects) predetermined financial transaction application information to provide the network means. Generate at least one user interface to be transmitted to the information registration server 800 through, or / or extracted from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 805 The user interface is provided to the information registration terminal 880 through the network means.

According to an embodiment of the present invention, a user interface for inputting financial transaction application information to be output to the information registration terminal 880 includes: an item information output area for outputting item information corresponding to customer information to be output on the user interface; And outputting customer information stored in the customer ledger (or D / B provided on the customer information management server (not shown)) stored in the ledger D / B 900 provided on the financial system in response to the item information. Customer information output area for displaying, mismatch marker output area for outputting a mark (or an icon, a special character, etc.) on the inconsistency information among the output customer information, and outputting the financial transaction application and providing it to the customer. It is preferable to have a change description area for recording the matter, and in addition to the area according to the intention and purpose of those skilled in the art, the gold On the trading application it may be made by further comprising a separate area that can be received from the financial institution.

According to an embodiment of the present invention, when the information registration terminal 880 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 And / or 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 information registration terminal 880 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 880 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 as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 880 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface provider 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. .

At least one user interface for inputting (or selecting) predetermined financial transaction application information to the information registration terminal 880 according to another embodiment of the present invention and transmitting the predetermined financial transaction application information to the information registration server 800 through the network means. In the case where a predetermined information registration program is provided, the user interface for inputting (or selecting) predetermined financial transaction application information and transmitting the predetermined financial transaction application information to the information registration server 800 is generated (or extracted). The interface providing unit 810 provided to the information registration terminal 880 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 880 inputs (or selects) financial transaction application information including at least one of the customer information and financial transaction request information through the user interface, and inputs (or selects) the financial transaction. The application information is transmitted to the information registration server 800 through the network means, and correspondingly, the information receiving unit 815 is linked with the interface unit 805 to transmit the financial information transmitted from the information registration terminal 880. And receiving transaction application information.

According to an exemplary embodiment of the present invention, the reception of information to be output in a predetermined area on the user interface for inputting the financial transaction application information is stored in the ledger D / B 900 on the financial system connected through the communication network with the application processing terminal. It is preferable to receive customer information corresponding to the target customer to be output to a certain area on the user interface for inputting the financial transaction application information from the customer ledger.

The received customer information may further include item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the financial institution equipped with the financial system.

According to another exemplary embodiment of the present invention, the reception of information to be output in a predetermined area on the user interface for inputting the financial transaction application information is performed on a customer information management server (not shown) connected to the application processing terminal via a communication network. It is preferable to receive the customer information corresponding to the target customer to be output from the B to a certain area on the user interface for inputting the financial transaction application information.

The received customer information may further include item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the institution operating the customer information management server.

According to an embodiment of the present invention, the information registration terminal 880 is the financial transaction request information including at least one of the customer information, financial transaction request information to the financial transaction application information in the information registration server 800 At least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the information registration server through the network It is desirable to send to 800.

According to an embodiment of the present invention, the information registration terminal 880 may include at least one encryption method (for example, a symmetric key based encryption method) and financial transaction request information including at least one of the customer information and financial transaction request information. The network means by encrypting with a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or attaching a predetermined electronic signature to the financial transaction application information. It is preferable to transmit to the information registration server 800 through, for this purpose, the information registration terminal 880 has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key Have a predetermined public certificate included therein, and / or the public certificate is provided on a predetermined IC chip (or IC card) Wu, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial transaction application information and the technical characteristics of attaching a predetermined electronic signature to the financial transaction application information. Since it will be, a detailed description thereof will be omitted for convenience.

If the information management unit 835 includes the change information of the customer information transmitted from the information registration terminal 880 through the information receiving unit 815, the change information is the customer D / B (875) The customer information corresponding to the change among the previously stored customer information is characterized in that for updating.

According to an exemplary embodiment of the present invention, the customer information update processing is performed when the customer D / B 875 is a customer D / B 875 provided on the information registration server 800. It is desirable to update directly at 800).

According to another exemplary embodiment of the present invention, the customer information update processing includes the ledger D / B 900 (or the customer D / B 875 provided on a financial system associated with the information registration server 800). In the case of D / B provided on the customer information management server (not shown), it is preferable to request the financial system (or the customer information management server (not shown)) to update the change information of the customer information. .

Referring to FIG. 8, when the financial transaction application information transmitted from the information registration terminal 880 is received through the information receiving unit 815, the received financial transaction application information is displayed. It is characterized in that it comprises a validity check unit 820 (or validity verification means) for confirming whether to satisfy the validity for the management of items that are inconsistent with previously stored items of the customer information items on the financial transaction application interface.

According to an embodiment of the present invention, the financial transaction application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption method, the validity confirming unit 820 may convert the encrypted financial transaction application information into at least one decryption method (for example, a symmetric key-based decryption method and / or corresponding to the encryption method). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received financial transaction application information.

Alternatively, when a predetermined electronic signature is attached to the financial transaction application information, the validity verification unit 820 checks the electronic signature attached to the financial transaction application information, thereby validating the validity of the received financial transaction application information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial transaction application information, and technical characteristics for confirming an electronic signature attached to the financial transaction application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial transaction application information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the financial transaction application information, the validity confirmation unit 820 ) Compares and authenticates the password included in the financial transaction application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial transaction application information.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial transaction application information, the validity confirming unit 820 may determine the validity of the financial transaction application information. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating the received security card information included in the financial transaction application information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the financial transaction application information, the validity confirming unit 820 may provide the financial information. The validity of the received financial transaction application information is verified by comparing and authenticating the received OTP code included in the transaction application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the implementation method of the present invention, the validity check of the financial transaction application information is at least one or more ledger information matching the financial transaction application information in the ledger D / B (900) on the financial system associated with the customer information processing system It is preferable to include checking whether is registered.

For example, the validity confirming unit 820 may include the D / B of the ledger on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial transaction application information is linked to the customer information processing system. It is preferable to include a check that matches the customer ledger stored in the 900.

Referring to FIG. 8, when the validity of the financial transaction application information is authenticated through the validity verification unit 820, the information registration server 800 includes a predetermined financial transaction application including the received financial transaction application information. An electronic document generating unit 825 (or an electronic document generating means) for generating an electronic document, and an electronic document transmitting unit 830 for transmitting the generated financial transaction application electronic document to an electronic document repository associated with the customer information processing system. (Or an electronic document transmission means).

The electronic document generating unit 825 may generate a financial transaction request electronic document including the financial transaction application information received from the information registration terminal 880 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include at least one document information including customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a financial transaction application electronic document for managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815, and the document content. After including at least one or more information of the customer information, the financial transaction request information contained in the financial transaction request information in a watermarking method (Watermark), a document file containing the document content including the watermark (for example, PDF ( A Portable 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 process the financial transaction application electronic document for the management of items that are inconsistent with the stored items.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815, and the document content. An image file including captured image contents (for example, image contents generated by capturing the document contents on a memory) for managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. It is preferable to process the financial transaction electronic documents.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815, and the document content. Watermarking at least one or more of customer information and financial transaction request information included in the financial transaction application information into captured image content (for example, image content generated by capturing the document content on a memory). ), And then process the image file including the image content including the watermarking as a financial transaction request electronic document for managing items that are inconsistent with previously stored items among customer information items on the financial transaction request interface. Do.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one document including customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is preferable to process the electronic documents for financial transaction application for item management that is inconsistent with the item.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815, and the document content. Watermarking at least one or more of customer information and financial transaction request information included in the financial transaction application information into captured image content (for example, image content generated by capturing the document content on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generating a word processor file including at least one or a web document file including an MHT) It is preferable to process the financial transaction application electronic document for the management of items that are inconsistent with the previously stored items among the customer information items on the agency interface.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815. A predetermined document file (eg, PDF) that generates document content, and includes image content (eg, image content generated by capturing the document content on a memory) and the financial transaction request information. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is recommended to process the financial transaction application electronic document to manage the inconsistency of the previously stored items among customer information items on the website. It is.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information and financial transaction request information included in the financial transaction application information received through the information receiving unit 815, and the document content. Watermarking at least one or more of customer information and financial transaction request information included in the financial transaction application information into captured image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the financial transaction application information. , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Thereby, it is preferred to process in the financial transaction application interface banking application electronic document for entry of customer information management is inconsistent with the previously stored items of the item on.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 825 generates a financial transaction application electronic document of the image file format and / or a predetermined document file format, and the financial Since the technical features of the file format of the image file and / or document file corresponding to the transaction request electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the financial transaction request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the customer information processing system. .

Referring to FIG. 8, the information registration server 800 provided on the customer information processing system outputs customer information on a financial transaction application to be provided to a customer who visits the financial institution and requests a financial transaction application. An identifier processing unit 842 (or identifier processing means) for writing an update processing target identifier on an item requiring update processing among previously stored customer information, and a D / D storing the customer information when the financial transaction application is output to the customer. Application processing unit 843 (or application processing means) for confirming the customer information on the B, and when outputting the financial transaction application provided to the customer, the customer information for each existing item and a mark indicating that the update processing target And an application output unit (or application output means) for outputting the financial transaction application.

The identifier processing unit 842 may include an update processing target identifier on an item requiring update processing among customer information items stored in the D / B in which the customer information is stored.

According to an embodiment of the present invention, when the D / B in which the customer information is stored is the customer information in the customer ledger stored in the ledger D / B on the financial system, the update processing object identifier is a request for storage to the financial system. desirable.

According to another exemplary embodiment of the present invention, when the D / B in which the customer information is stored is the customer information stored in the D / B on the customer information management server (not shown), the update processing target identifier is the customer information management server ( It is preferable to request the storage.

According to another exemplary embodiment of the present invention, when the D / B in which the customer information is stored is a storage medium on the information registration server 800, the information storage unit 840 provided on the information registration server is connected to the information storage server 840. It is preferable to describe the update processing object identifier on the item in which the update processing is required among the customer information items.

The application processing unit 843, when outputting the financial transaction application to the customer, characterized in that to confirm the customer information on the D / B stored the customer information.

According to an embodiment of the present invention, when the financial transaction application is output to the customer, the customer information for each item stored in the D / B stored with the customer information is first checked, and the update processing target identifier is described among the confirmed customer information for each item. After confirming the item secondly, the customer information for each item identified first is processed to be included in the existing customer information display area for each item in the financial transaction application, and on the item display area or the item display area adjacent area of the financial transaction application. It is desirable to process a special marker to indicate that it is subject to a secondary confirmed update process.

The application output unit 844, when outputting the financial transaction application to provide to the customer, characterized in that for outputting the financial transaction application containing the customer information for each existing item and the mark indicating that the update processing target.

According to the implementation method of the present invention, when the output of the financial transaction application is output through the predetermined terminal (for example, a window terminal, etc.) associated with the server, it informs that the customer information for each existing item and the subject of update processing. Preferably outputs a financial transaction application including a mark, and the financial transaction application is preferably an electronic document (eg, an Internet banking web page).

As shown in FIG. 8, the electronic document repository is connected to the information registration server 800 on the customer information processing system with a predetermined electronic document server 845 and an electronic document D / B 865 connected through predetermined communication means. When provided externally, the electronic document transmission unit 830 is the electronic document server 845 via the communication means for the financial transaction application electronic document generated by the electronic document generation unit 825 It characterized in that the transmission to.

Here, when the electronic document server 845 and the electronic document D / B 865 is provided outside the customer information processing system, the electronic document server 845 and the electronic document D / B 865 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 customer information processing system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the financial transaction application electronic document in the electronic document D / B 865 corresponding to the electronic document storage on the DBMS provided in the customer information processing system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 may input electronic document related information (for example, inputting the financial transaction application information) for generating predetermined electronic document management information in the electronic document server 845 ( The customer information, and / or financial institution information for transmitting the financial transaction request electronic document, and / or electronic document file format information, and / or the financial transaction application information). It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 8, the information registration server 800 stores the financial transaction application information received through the information receiving unit 815 from among customer information items on the financial transaction application interface through the validity checking unit 820. When the validity for the item management that is inconsistent with the item is authenticated, the information storage unit for linking the customer information and the financial transaction request information included in the financial transaction application information is validated and stored in a predetermined storage medium 870 840 is provided.

When the validity of the financial transaction application information is confirmed by the validity confirming unit 820, the information storage unit 840 stores and stores the customer information and the financial transaction request information in association with the financial transaction application information. The storage medium 870, the storage medium 870 is provided in the information registration server 800, or when provided on the network associated with the information registration server 800, the information storage The unit 840 preferably processes the customer information and the financial transaction request information included in the received financial transaction application information in the storage medium 870, and the storage medium 870 is stored on the financial system. When provided in the provided DBMS, the information storage unit 840 provides the customer information and the financial transaction request information included in the received financial transaction application information to the information system through the external system on the financial system. It is preferable to store in a DBMS provided on the financial system.

Referring to FIG. 8, an electronic document which receives a predetermined financial transaction request electronic document from the information registration server 800 provided on the customer information processing system and stores and manages the electronic document D / B 865 in a predetermined electronic document. The server 845 includes an electronic document receiving unit 850 for receiving a predetermined financial transaction request electronic document from the information registration server 800 through a predetermined communication means, and the electronic document receiving the received financial transaction request electronic document. An information generation unit 855 for generating predetermined electronic document management information for storage and management in the D / B 865, and the electronic document management information and the financial transaction application electronic document in association with each other. And an electronic document storage unit 860 for storing in / B 865.

The electronic document receiving unit 850 may receive a financial transaction request electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to an embodiment of the present invention, the financial transaction application electronic document received by the electronic document receiving unit 850 through the communication means is a financial transaction received by the information registration server 800 from the information registration terminal 880. Document files (eg, Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing document contents including at least one of customer information and financial transaction request information included in the application information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means may include customer information included in the financial transaction application information received by the information registration server 800 from the information registration terminal 880. And after the watermarking method includes at least one or more pieces of customer information and financial transaction request information included in the financial transaction request information in a document content including at least one financial transaction request information. 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, etc.) containing the document content, or a web document including the MHT. File).

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means may include customer information included in the financial transaction application information received by the information registration server 800 from the information registration terminal 880. 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 transaction request information.

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means may include customer information included in the financial transaction application information received by the information registration server 800 from the information registration terminal 880. Customer information included in the financial transaction application information in the image content (for example, image content generated by capturing the document content on a memory) and capturing document content including at least one financial transaction request information. After including at least one or more information of the transaction request information in a watermarking (Watermarking) method, it is preferably made to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means is the financial information received by the information registration server 800 from the information registration terminal 880 Predetermined 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 included in the transaction request information and financial transaction request information. 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) It is preferable to make.

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means may include customer information included in the financial transaction application information received by the information registration server 800 from the information registration terminal 880. Customer information included in the financial transaction application information in the image content (for example, image content generated by capturing the document content on a memory) and capturing document content including at least one financial transaction request information. Generate image content including at least one or more of the transaction request information by watermarking, and include a document file (eg, a PDF (Portable Document Format) file, or EDI) including the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or MHT Web document files, etc.).

According to another exemplary embodiment of the present invention, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means is received by the information registration server 800 from the information registration terminal 880. Image content (eg, image content generated by capturing the document content on a memory) and the financial transaction by capturing document content including at least one of customer information included in the financial transaction request information and financial transaction request information. A predetermined document file including application information (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, etc.), or a web including an MHT. Document files).

Alternatively, the financial transaction request electronic document received by the electronic document receiving unit 850 through the communication means may include customer information included in the financial transaction application information received by the information registration server 800 from the information registration terminal 880. Customer information included in the financial transaction application information in the image content (for example, image content generated by capturing the document content on a memory) and capturing document content including at least one financial transaction request information. Create image content including at least one or more of the transaction request information in a watermarking manner, and a document file (eg, PDF (Portable Document) including the watermarking image content and the financial transaction application information. WordPress that includes at least one Format File, an Electronic Data Interchange File, or an HWP / DOC file. It comprises a processor file, or web page file containing the MHT, etc.) are preferred.

The information generating unit 855 is a predetermined electronic document unique number (or unique information) to be assigned to the financial transaction application electronic document received through the electronic document receiving unit 850, and through the electronic document receiving unit 850 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial transaction request electronic document was received (or a date and time at which the financial transaction application electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 855 refers to the financial transaction application electronic document received through the electronic document receiving unit 850, the information registration server 800, the financial transaction application It is preferable to identify the financial institution that has transmitted the electronic document, and generate the 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 information registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the financial transaction application information, and / or financial institution information transmitting the financial transaction application electronic document, and / or electronic document file format information, and /) Or the electronic document management information further including the financial transaction application information).

The electronic document storage unit 860 associates a financial transaction request electronic document received through the electronic document receiving unit 850 with electronic document management information generated by the information generating unit 855 to process a predetermined electronic document D. / B 865, characterized in that.

According to an exemplary embodiment of the present invention, the financial registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is the information registration server 800 by the information registration terminal 880. A document file (eg, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) containing document information including at least one of customer information, financial transaction request information, and the like contained in the financial transaction application information received from Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is a financial transaction request received by the information registration server 800 from the information registration terminal 880. Document information including at least one of customer information and financial transaction request information included in the information includes at least one or more of the customer information and financial transaction request information included in the financial transaction application information in a watermarking manner. Then, a document file (eg, 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, etc.) containing the document content including the watermarking, Or a web document file including the MHT).

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is a financial transaction request received by the information registration server 800 from the information registration terminal 880. 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 of customer information and financial transaction request information included in the information. It is preferable to make it.

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is a financial transaction request received by the information registration server 800 from the information registration terminal 880. The image transaction (e.g., image content generated by capturing the document content on a memory) captured document content including at least one of customer information and financial transaction request information included in the information. After including at least one or more information of the included customer information, the financial transaction request information in a watermarking (Watermarking) method, it is preferably made to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial registration request electronic document stored in the electronic document storage unit 860 in the electronic document D / B 865 is the information registration server 800 is the information registration terminal ( Image content that captures document content including at least one of customer information and financial transaction request information included in the financial transaction request information received from 880 (eg, image content generated by capturing the document content on a memory). A 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.), or a web document including an MHT. File).

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is a financial transaction request received by the information registration server 800 from the information registration terminal 880. The image transaction (e.g., image content generated by capturing the document content on a memory) captured document content including at least one of customer information and financial transaction request information included in the information. Create image content including at least one or more information included in the customer information, financial transaction request information by a watermarking method, and a document file (for example, PDF (Portable Document) including the image content including the watermarking). Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, or MHT Preferably includes a web document file).

According to another exemplary embodiment of the present invention, the financial registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is the information registration server 800 of the information registration terminal. Image content that captures document content including at least one of customer information and financial transaction request information included in the financial transaction request information received from 880 (eg, an image generated by capturing the document content on a memory). A word processor file including at least one of a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the contents and the financial transaction request information, Or a web document file including the MHT).

Alternatively, the financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is a financial transaction request received by the information registration server 800 from the information registration terminal 880. The image transaction (e.g., image content generated by capturing the document content on a memory) captured document content including at least one of customer information and financial transaction request information included in the information. A document file including image information including at least one of customer information and financial transaction request information included in a watermarking method, the image file including the watermarking and the financial transaction application information; For example, a word including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. It comprises a processor file, or web page file, and so on) containing the MHT is preferred.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by the electronic document storage unit 860 in association with the financial transaction request electronic document is stored in the electronic transaction request electronic document. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the financial transaction request electronic document is the financial transaction request. Preferably, the financial transaction request electronic document confirmed by referring to the information registration server 800 which transmitted the electronic document is further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 860 is processed in connection with the financial transaction request electronic document to the The electronic document management information stored in the electronic document D / B 865 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial transaction application information, and / or the financial transaction). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the financial transaction application information).

Figure 9 is stored in the ledger D / B (900) provided in the DBMS on the financial system in a non-face-to-face for the management of items inconsistent with previously stored items of the customer information items on the financial transaction application interface in accordance with an embodiment of the present invention It is a figure which shows the structure of the financial transaction application information.

In more detail, in FIG. 9, when the storage medium 870 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 FIG. 9 illustrates an information structure for an implementation method in which financial transaction application information including the customer information and financial transaction request information is stored. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or may be modified to infer various information construction methods for storing the financial transaction application information in the ledger D / B 900, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method shown.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , 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. Ledger D / B 900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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 relationally, 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 account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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 financial transaction application information provided through the customer information processing system illustrated in FIG. 8 may be stored in the form of additional information added to the account ledger. The financial transaction application information may include customer information, And at least one financial transaction request information.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And financial transaction request information for use of all financial transaction services provided by financial institutions according to the purpose.

For example, when the customer inputs financial transaction application information through a user interface for inputting financial transaction application information provided through a non-face-to-face channel provided by the financial institution, the financial transaction application information is the application information for opening a financial account. In this case, the financial transaction request information is preferably a financial account opening request information in the name of the customer.

In addition, when the customer enters the financial transaction application information through the user interface for inputting the financial transaction application information provided through the non-face-to-face channel provided by the financial institution, the entered financial transaction application information is transferred (or the other party). In the case of the application information, the financial transaction request information is that the customer withdraws the amount specified by the customer from the financial account included in the transaction (or other) transfer application information to the person (or other) to the other account, that is, It is preferable that it is transfer application information to process transfer.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the customer information processing system corresponding to the customer by It is preferable to make.

According to another exemplary embodiment of the present invention, the financial transaction application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

10 illustrates a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner for managing items that are inconsistent with previously stored items among customer information items on a financial transaction application interface according to another embodiment of the present invention. A diagram illustrating the configuration of financial transaction application information stored in a linked database.

In more detail, FIG. 10 illustrates an embodiment of the method in which the storage medium 870 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 10 to link the financial transaction application information to the ledger D / B 900 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the financial transaction application information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of a financial institution). If it is not easy to change the D / B 900 or the system is not easy to expand due to the characteristics of the financial system), the financial transaction application information is stored in a predetermined database instead of the ledger D / B 900. The implementation method of storing the database and the ledger D / B 900 in a coordinated process is illustrated.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, 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. 10, the database may store and store the customer information and the financial transaction request information included in the financial transaction application information, and the financial transaction application information may be stored in the ledger D / B 900. It is preferable that the financial transaction application information further includes a CIF number corresponding to the ledger information in order to be linked.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And financial transaction request information for use of all financial transaction services provided by financial institutions according to the purpose.

For example, when the customer inputs the financial transaction application information through a user interface for inputting financial transaction application information provided through a non-face-to-face channel provided by the financial institution, the financial transaction application information is the application information for opening a financial account. In this case, the financial transaction request information is preferably the financial account opening request information in the name of the customer.

In addition, when the customer enters the financial transaction application information through the user interface for inputting the financial transaction application information provided through the non-face-to-face channel provided by the financial institution, the entered financial transaction application information is transferred (or the other party). In the case of the application information, the financial transaction request information is that the customer withdraws the amount specified by the customer from the financial account included in the transaction (or other) transfer application information to the person (or other) to the other account, that is, It is preferable that it is transfer application information to process transfer.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the customer information processing system corresponding to the customer by It is preferable to make.

11 is a financial transaction application information stored in the DBMS provided in the banking server in a non-face-to-face for the management of items inconsistent with previously stored items of the customer information items on the financial transaction application interface according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 11 illustrates a predetermined banking system in which the storage medium 870 shown in FIG. 8 is 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 constructing information on financial transaction application 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.

Referring to FIG. 11, a predetermined DBMS provided in the banking server may store and store customer information and financial transaction request information included in the financial transaction application information.

Preferably, the financial transaction request information is information for financial transactions including at least one or more financial account openings, transfers, or transfers through a financial institution that provides the financial transaction service. And financial transaction request information for use of all financial transaction services provided by financial institutions according to the purpose.

For example, when the customer inputs financial transaction application information through a user interface for inputting financial transaction application information provided through a non-face-to-face channel provided by the financial institution, the financial transaction application information is the application information for opening a financial account. In this case, the financial transaction request information is preferably a financial account opening request information in the name of the customer.

In addition, when the customer enters the financial transaction application information through the user interface for inputting the financial transaction application information provided through the non-face-to-face channel provided by the financial institution, the entered financial transaction application information is transferred (or the other party). In the case of the application information, the financial transaction request information is that the customer withdraws the amount specified by the customer from the financial account included in the transaction (or other) transfer application information to the person (or other) to the other account, that is, It is preferable that it is transfer application information to process transfer.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the customer information processing system corresponding to the customer by It is preferable to make.

12A and 12B illustrate a process of registering financial transaction application information in a non-face-to-face manner for managing an item that is inconsistent with a previously stored item among customer information items on a financial transaction application interface according to an exemplary embodiment of the present invention. .

12A and 12B show that the information registration terminal 880 on the customer information processing system shown in FIG. 8 is a client terminal, and the information registration server 800 is connected to a client terminal through a predetermined network means. In the case of having a web server function, at least one customer information or financial transaction request information is provided through the client terminal for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction application interface. If the financial transaction application information including the above is provided, the customer information processing system generates a predetermined financial transaction application electronic document including the provided financial transaction application information and stores it in a predetermined electronic document repository, and the financial transaction application information. The customer information and financial transaction request information included in the linkage processing As a method of storing the data in the storage medium 870, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b. Although various implementation methods for registering the financial transaction application information may be inferred at 800, the present invention includes all the implementation methods inferred, and is not limited to the implementation methods illustrated in FIGS. 12A and 12B. .

For example, in the method shown in FIGS. 12A and 12B, the client terminal inputs (or selects) the financial transaction application information through a predetermined web page provided by the information registration 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 information registration server 800, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information and financial transaction request information transmitted to the information registration server 800 are referred to as "financial transaction 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, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the financial When requesting a web page including a user interface for managing an item that is inconsistent with a previously stored item among customer information items on a transaction request interface (1200), the server correspondingly at least one of the customer information and the financial transaction request information. Web page including a user interface for inputting (or selecting) the financial transaction application information including the above to transmit to the server The generated (or extracted), and 1205, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the financial transaction application information registration procedure, whereby the present invention is not limited thereto. No.

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

If the terminal receives (or selects) financial transaction application information including the customer information and financial transaction request information through the user interface (1220), the terminal inputs (or selects) the terminal through the communication channel. The customer information and the financial transaction request information are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal has a predetermined password for verifying the validity of the financial transaction application information in the server to the financial transaction application information including at least one or more of the customer information and financial transaction request information. Alternatively, at least one or more OTP codes generated through security card information and / or a predetermined one time password (OTP) generator may be transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key based encryption method, and / or public key based information) that includes financial transaction request information including at least one of the customer information and financial transaction request information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.) and / or attach a predetermined electronic signature to the financial transaction application information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If the certificate is provided on a predetermined IC chip (or IC card), the blank provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key based encryption method, and / or public key based information) that includes financial transaction request information including at least one of the customer information and financial transaction request information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial transaction application information and the technical characteristics of attaching a predetermined electronic signature to the financial transaction application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks whether the change information is included in the received financial transaction application information (1227).

If there is change information (1228), the server changes the customer information stored on the customer D / B 875 shown in FIG. 8 to the customer information for each item corresponding to the change information. The update process proceeds to 1229.

According to an exemplary embodiment of the present invention, the customer information update processing is performed when the customer D / B 875 is a customer D / B 875 provided on the information registration server 800. It is desirable to update directly at 800).

According to another exemplary embodiment of the present invention, the customer information update processing includes the ledger D / B 900 (or the customer D / B 875 provided on a financial system associated with the information registration server 800). In the case of D / B provided on the customer information management server (not shown), it is preferable to request the financial system (or the customer information management server (not shown)) to update the change information of the customer information. .

Thereafter, the server receives and reads the customer information and the financial transaction request information through the communication channel to confirm the validity of the financial transaction application information (1230).

According to an embodiment of the present invention, the financial transaction application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted financial transaction application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received financial transaction application information.

Alternatively, when a predetermined electronic signature is attached to the financial transaction application information, the server may verify the validity of the received financial transaction application information by checking the electronic signature attached to the financial transaction application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial transaction application information, and technical characteristics for confirming an electronic signature attached to the financial transaction application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial transaction application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial transaction application information, the server performs the financial transaction. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating a password included in the application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial transaction application information, the server may apply to the financial transaction application information. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial transaction application information, the server is included in the financial transaction application information. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity check of the financial transaction application information is at least one or more ledger information matching the financial transaction application information in the ledger D / B (900) on the financial system associated with the customer information processing system It is preferable to include checking whether is registered.

For example, the validity confirming unit 820 may include the D / B of the ledger on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial transaction application information is linked to the customer information processing system. It is preferable to include a check that matches the customer ledger stored in the 900.

If the validity of the financial transaction application information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), corresponding to the financial transaction application information. Do not perform the information registration procedure.

On the other hand, if the validity of the financial transaction application information is authenticated (1235), the server generates at least one document content including the financial transaction request information, at least one or more customer information including the financial transaction application information (1245) In operation 1250, a predetermined financial transaction request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction application information, and includes a document file including the document content ( For example, 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). It is desirable to process the financial transaction application electronic document for the management of items that are inconsistent with the previously stored items among the customer information items.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction application information, and the customer information and financial information included in the financial transaction application information in the document content. After including at least one or more information of the transaction request information in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) file containing document content including the watermarking) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, for a financial transaction for managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. It is desirable to process the application electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing the content on the memory as a financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application interface.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more of the customer information and the financial transaction request information included in the financial transaction request information in a watermarking manner, and then including the watermarking image. It is preferable to process the image file including the content as a financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application interface.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). Or a word processing file including at least one or more, or a web document file including an MHT, etc.), thereby providing a financial transaction request electronic document for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction request interface. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the captured content). Image content generated by capturing document content on a memory) to at least one of customer information and financial transaction request information included in the financial transaction request information in a watermarking manner, A document file including image content including watermarking (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 MHT. Generating a web document file, etc.) It is treated as a financial transaction application for an electronic document management items that are inconsistent with the stored items are preferred.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content (eg, image content generated by capturing the document content on a memory) and the financial transaction application information. ), A word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. It is advisable to process financial transactions for electronic documents.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and financial transaction request information included in the financial transaction request information by a watermarking method, A word processor including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the financial transaction application information. File, or a web document file including MHT) It is preferable to process the financial transaction application electronic document for the management of items that are inconsistent with previously stored items in the customer information items on the network.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial transaction request electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial transaction request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial transaction request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 connected to a server on the customer information processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial transaction request electronic document to the electronic document server 845 through the communication means and stores in the electronic document D / B (865).

Alternatively, when the electronic document storage is provided on a DBMS provided in the customer information processing system, the server corresponds to the electronic document storage on the DBMS provided in the customer information processing system. The electronic document D / B 865 can be stored, and the present invention is not limited thereto.

According to the implementation method of the present invention, storing the financial transaction request electronic document in the electronic document storage, the electronic transaction shown in FIG. It is preferable to include storing in the document D / B 865.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 financial transaction request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial transaction application information, and / or financial institution information transmitting the financial transaction application electronic document), and And / or electronic document file format information, and / or the financial transaction application information).

If the financial transaction request electronic document is stored in the electronic document repository (1260), the server processes the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 870. Store 1265, predetermined information registration history information (e.g., the details of storing the financial transaction application electronic document in the electronic document repository, and / or the details of storing the financial transaction application information in the storage medium 870; ) Is generated (or extracted) and transmitted to the terminal (1270).

According to one embodiment of the invention, the storage medium 870 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 870 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), whereby the present invention It is not limited.

According to another embodiment of the present invention, the storage medium 870 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer information processing 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 registration of financial transaction application information through a non-face-to-face financial transaction channel for managing an item inconsistent with a previously stored item among customer information items on a financial transaction application interface according to an embodiment of the present invention. A diagram illustrating the process.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the customer information processing system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the customer information processing shown in FIG. 8). In the case where the information registration 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, etc.) and performs a predetermined customer authentication procedure. After performing, the client terminal transmits predetermined financial transaction application information for managing an item that is inconsistent with a previously stored item among the customer information items on the financial transaction application interface to the internet banking server, and receives the received information from the internet banking server. Generates a predetermined financial transaction request electronic document containing the financial transaction application information and stores it in a predetermined electronic document repository. The present invention relates to an implementation method of storing and storing the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 870, which is commonly used in the technical field to which the present invention pertains. Those having the same will be able to infer various implementation methods for registering the financial transaction application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 13a, 13b, and 13c. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 13A, 13B, and 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 the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction application information between the client terminal and the Internet banking server based on the browser program is shown, those of ordinary skill in the art to which the present invention pertains. If so, refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13a, 13b, and 13c, and the client based on a predetermined internet banking program mounted on the client terminal. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering financial transaction application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

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, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial trading channels for registering financial transaction application information. The present invention includes all types 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 Internet banking shown in Figs. 13A, 13B, and 13C.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as a "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 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 (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 a method of attaching a predetermined digital signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server and / or at least one or more encryption schemes. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). 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 information to be provided from the terminal to the server for registration of financial transaction application information. (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 financial transaction application information. Attach a predetermined digital signature to information (or data) and / or at least one 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 (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 that transmits and registers predetermined financial transaction application information for item management that is inconsistent with previously stored items among customer information items on the financial transaction application interface from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction application interface to the server through an internet banking-based financial transaction channel (1300b), In response, the server generates (or extracts) a webpage including a user interface for inputting (or selecting) financial transaction application information including at least one of the customer information and financial transaction request information and transmitting the same to the server. 1305b, the webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) financial transaction application information including at least one of customer information and financial transaction request information in the terminal, and And / or any password and / or security card information (e.g., security printed on a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial transaction application information. Card information) and / or One Time Password (OTP) (e.g. one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface for input.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the financial transaction application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction application information including at least one of the customer information and financial transaction request information through the information registration interface (1315b).

If the financial transaction application information including the customer information and financial transaction request information is input (or selected) through the user interface (1320b), the terminal inputs (or selects) the financial transaction channel. The financial transaction application information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal has a predetermined password for verifying the validity of the financial transaction application information in the server to the financial transaction application information including at least one or more of the customer information and financial transaction request information. Alternatively, at least one or more OTP codes generated through security card information and / or a predetermined one time password (OTP) generator may be transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key based encryption method, and / or public key based information) that includes financial transaction request information including at least one of the customer information and financial transaction request information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.) and / or attach a predetermined electronic signature to the financial transaction application information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If the certificate is provided on a predetermined IC chip (or IC card), the blank provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key based encryption method, and / or public key based information) that includes financial transaction request information including at least one of the customer information and financial transaction request information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art should understand the technical features of various encryption methods for encrypting the financial transaction application information and the technical characteristics of attaching a predetermined electronic signature to the financial transaction application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks whether the change information is included in the received financial transaction application information (1327b).

If there is change information (1328b), the server changes the customer information stored on the customer D / B 875 shown in FIG. 8 to the item-specific customer information corresponding to the change information. The update process is performed with the information (1329b).

According to an exemplary embodiment of the present invention, the customer information update processing is performed when the customer D / B 875 is a customer D / B 875 provided on the information registration server 800. It is desirable to update directly at 800).

According to another exemplary embodiment of the present invention, the customer information update processing includes the ledger D / B 900 (or the customer D / B 875 provided on a financial system associated with the information registration server 800). In the case of D / B provided on the customer information management server (not shown), it is preferable to request the financial system (or the customer information management server (not shown)) to update the change information of the customer information. .

Thereafter, the server receives and reads the financial transaction application information through the financial transaction channel to confirm the validity of the financial transaction application information (1330b).

According to an embodiment of the present invention, the financial transaction application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted financial transaction application information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received financial transaction application information.

Alternatively, when a predetermined electronic signature is attached to the financial transaction application information, the server may verify the validity of the received financial transaction application information by checking the electronic signature attached to the financial transaction application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted financial transaction application information, and technical characteristics for confirming an electronic signature attached to the financial transaction application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial transaction application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial transaction application information, the server performs the financial transaction. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating a password included in the application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial transaction application information, the server may apply to the financial transaction application information. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial transaction application information, the server is included in the financial transaction application information. It is preferable to authenticate the validity of the received financial transaction application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity check of the financial transaction application information is at least one or more ledger information matching the financial transaction application information in the ledger D / B (900) on the financial system associated with the customer information processing system It is preferable to include checking whether is registered.

For example, the validity confirming unit 820 may include the D / B of the ledger on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial transaction application information is linked to the customer information processing system. It is preferable to include a check that matches the customer ledger stored in the 900.

If the validity of the financial transaction application information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340b) and corresponds to the financial transaction application information. Do not perform the information registration procedure.

On the other hand, if the validity of the financial transaction application information is authenticated (1335b), the server generates predetermined document content including at least one or more customer information and financial transaction request information including the financial transaction application information (1345b). In operation 1350c, a predetermined financial transaction request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction application information, and includes a document file including the document content ( For example, 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). It is desirable to process the financial transaction application electronic document for the management of items that are inconsistent with the previously stored items among the customer information items.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction application information, and the customer information and financial information included in the financial transaction application information in the document content. After including at least one or more information of the transaction request information in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) file containing document content including the watermarking) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, for a financial transaction for managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. It is desirable to process the application electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing the content on the memory as a financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application interface.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more of the customer information and the financial transaction request information included in the financial transaction request information in a watermarking manner, and then including the watermarking image. It is preferable to process the image file including the content as a financial transaction application electronic document for managing items that are inconsistent with previously stored items among the customer information items on the financial transaction application interface.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). Or a word processing file including at least one or more, or a web document file including an MHT, etc.), thereby providing a financial transaction request electronic document for managing an item that is inconsistent with a previously stored item among customer information items on the financial transaction request interface. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the captured content). Image content generated by capturing document content on a memory) to at least one of customer information and financial transaction request information included in the financial transaction request information in a watermarking manner, A document file including image content including watermarking (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 MHT. Generating a web document file, etc.) It is treated as a financial transaction application for an electronic document management items that are inconsistent with the stored items are preferred.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and financial transaction request information included in the received financial transaction application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content (eg, image content generated by capturing the document content on a memory) and the financial transaction application information. ), A word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby managing items that are inconsistent with previously stored items among customer information items on the financial transaction application interface. It is advisable to process financial transactions for electronic documents.

Alternatively, the server generates document content including at least one or more customer information and financial transaction request information included in the received financial transaction request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and financial transaction request information included in the financial transaction request information by a watermarking method, A word processor including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the financial transaction application information. File, or a web document file including MHT) It is preferable to process the financial transaction application electronic document for the management of items that are inconsistent with previously stored items in the customer information items on the network.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a financial transaction request electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial transaction request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial transaction request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 connected to a server on the customer information processing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial transaction request electronic document to the electronic document server 845 through the communication means and stores in the electronic document D / B (865).

Alternatively, when the electronic document storage is provided on a DBMS provided in the customer information processing system, the server corresponds to the electronic document storage on the DBMS provided in the customer information processing system. The electronic document D / B 865 can be stored, and the present invention is not limited thereto.

According to the implementation method of the present invention, storing the financial transaction request electronic document in the electronic document storage, the electronic transaction shown in FIG. It is preferable to include storing in the document D / B 865.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 financial transaction request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial transaction application information, and / or financial institution information transmitting the financial transaction application electronic document), and And / or electronic document file format information, and / or the financial transaction application information).

If the financial transaction application electronic document is stored in the electronic document repository (1360c), the server processes the customer information and the financial transaction request information included in the financial transaction application information in a predetermined storage medium 870. Store 1365c, predetermined information registration history information (e.g., a history of storing the financial transaction application electronic document in the electronic document repository, and / or a history of storing the financial transaction application information in the storage medium 870; ) Is generated (or extracted) and transmitted to the terminal (1370c).

According to one embodiment of the invention, the storage medium 870 is preferably provided in a DBMS on a financial system provided on the customer information processing system (or associated with the customer information processing system), wherein The storage medium 870 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), whereby the present invention It is not limited.

According to another embodiment of the present invention, the storage medium 870 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the customer information processing 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 functional configuration of an information processing apparatus 1400 having a financial transaction application output or financial transaction application recognition function according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates an information processing apparatus 1400 provided at a window of a predetermined financial institution (for example, a commercial bank branch), and includes information on a financial transaction application output or a financial transaction application recognition function according to the present invention. A functional configuration of the processing apparatus 1400, which is a person of ordinary skill in the art to which the present invention pertains, with reference to and modifying this drawing 14, financial transaction application output or financial transaction application recognition function according to the present invention Various implementation methods for the functional configuration of the provided information processing apparatus 1400 may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG. .

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 the information processing apparatus 1400 is an automated device (for example, CD / ATM, etc.) in addition to a window of a financial institution. It will be possible to infer an embodiment of the embodiment provided on the above, but the present invention includes all the above-described inferred method, whereby the present invention is not limited.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the screen output function provided on the information processing apparatus 1400 and the information processing apparatus 1400 will be described with reference to and modified with reference to FIG. It is also possible to output through the staff terminal, such as the linked terminal terminal, whereby the present invention is not limited.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention pertains, with reference to and modifying this figure 14, when the information processing device 1400 is provided in the automation device, for the operation control of the automation device The apparatus may further include a key input device, and the present invention is not limited thereto.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the process of outputting the customer information output from the information processing apparatus 1400 and the mismatch information among the customer information with reference to and modifying this figure 14 In addition, if there is other information to be output to the financial transaction application, etc., it may be applied to the other information, whereby the present invention is not limited.

Referring to FIG. 14, the information processing apparatus 1400 may be configured to process an output of a financial transaction application corresponding to the customer by a teller of the financial institution (or directly by the customer) at the request of a customer. An application processing unit 1445 for reading the completed financial transaction application form, a screen output unit 1460 for outputting a processing screen according to each financial transaction application processing step provided through the information processing apparatus 1400, A communication processing unit for communicating with the financial system 1480 (or a customer information management server (not shown), etc.) through the application processing terminal and a communication network, and a power supply unit 1465 for supplying power to the information processing apparatus 1400. And a control unit 1405 for controlling at least one or more terminal function units 1470 and respective functional units provided in the information processing apparatus 1400. .

The application processing unit 1445 outputs an application for outputting a financial transaction application for use of the financial transaction service when visiting the financial institution (or a place where the application processing terminal is provided) and using the financial transaction service provided by the financial institution. A processing unit 1450 and an application scanning processing unit 1455 that scans the financial transaction application to scan the financial transaction application and read the information on the financial transaction application when the financial transaction application is prepared and submitted. The application output processing unit 1450 and the application scanning processing unit 1455 may be provided as separate devices according to the intention and purpose of those skilled in the art, and the present invention is not limited thereto.

The control unit 1405 controls the overall operation of the information processing device 1400 in the functional configuration, manages the flow of information or data between each component, the financial transaction application output or financial transaction application recognition function according to the present invention is Control at least one or more components included in the provided information processing apparatus 1400, and at least one processor and execution memory including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware (Eg, a register) and a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor.

In addition, the control unit 1405 may be loaded into the execution memory from a predetermined recording medium included in the information processing apparatus 1400 to perform a function unique to the software, and may be processed by the processor. And at least one program including at least one program routine or program data. Particularly, the control unit 1405 processes the information after the information processing apparatus 1400 is booted by software. At least one predetermined operating system or terminal control program routine for managing the device 1400 is preferably included.

14 is a diagram illustrating, for convenience, at least one or more program components included in the information processing apparatus 1400 having a financial transaction application output or financial transaction application recognition function according to the present invention.

The screen output unit 1460 is output from the information processing apparatus 1400 to a predetermined screen output means including at least one of a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 1405. And at least one information or data which is predefined or defined in real time. The information or data which is predefined to be output on the screen by the information processing apparatus 1400 is provided through the key input unit (not shown). Key data to be input, information stored or generated by a component included in the information processing apparatus 1400, information transmitted / received through the communication processing unit, and data corresponding to a predetermined operation result performed by the information processing apparatus 1400. It is made, including.

According to an embodiment of the present invention, the screen output unit 1460 preferably outputs a processing screen or an interface screen according to the application output step or the application recognition step according to the present invention to at least one screen output device.

The communication processing unit may provide communication means for performing a transaction function (for example, a transaction function interoperating with the information processing device 1400 and the external system of each financial system) included in the information processing device 1400. Preferably, at least one network communication processing unit providing transactional communication with the financial system 1480 (or a customer information management server (not shown), etc.) through a communication network in hardware. It comprises a communication protocol and communication application to provide.

The communication processing unit may further include a cable communication processing unit providing transaction communication with an external communication device through a predetermined cable communication port (eg, RS-232c, USB (Universal Serial Bus), etc.), whereby The present invention is not limited.

The communication processor may include at least an infrared ray communication, a radio frequency (RF) communication, a Bluetooth, a wireless LAN, a Wi-Fi, and an ultra wide band system (UWB). The apparatus may further include a short range communication processor configured to provide transactional communication with the short range communication device through one or more short range wireless communication, and the present invention is not limited thereto.

According to the embodiment of the present invention, the communication processing unit via the network communication processing unit via a predetermined communication network from the customer ledger stored in the ledger D / B provided on the financial system 1480, The financial transaction is provided by receiving customer information including at least one of a home (or head office) phone number, a mobile phone number, a work (or factory) address, a work phone number, a work name, a department / position, an e-mail, a home fax, and a work fax. It is desirable to connect a communication channel for output processing on the application.

The terminal function unit 1470 is a component provided in the information processing apparatus 1400 in addition to the components shown in FIG. 14 or a component provided in the information processing apparatus 1400 for a predetermined purpose or role. Various additional functions according to the intention of those skilled in the art, such as a secure application module (SAM) for printing (or recognition) the financial transaction application or a print output unit for printing a receipt or a biometric recognition device for biometrics It is preferable to include a configuration, and those skilled in the art can easily understand each terminal functional unit 1470 provided according to the characteristics of the information processing apparatus 1400. The detailed description thereof will be omitted.

Referring to FIG. 14, the information processing apparatus 1400 is provided with the financial transaction application form from the financial system 1480 (or a customer information management server (not shown), etc.) connected to the information processing apparatus 1400 through the communication network. An information receiving unit 1410 for receiving customer information to be output on the image, an information checking unit for confirming inconsistency information of previously identified customer information in response to the received customer information, the received customer information, and the receiving An output data generation unit 1420 for generating output data for outputting the financial transaction application including mismatched information among the customer information, and an output data processing unit 1425 for outputting the generated output data on the financial transaction application. It characterized by comprising a.

When the information receiving unit 1410 outputs a financial transaction application through the information processing apparatus 1400, the financial system 1480 is connected to the information processing apparatus 1400 and the customer information to be output on the financial transaction application through a communication network. (Or a customer information management server (not shown), etc.) is characterized by receiving the customer ledger information stored in the ledger D / B on the financial system 1480.

According to an embodiment of the present invention, the information to be output on the financial transaction application, the financial information from the customer ledger stored in the ledger D / B on the financial system 1480 connected to the information processing device 1400 through a communication network It is desirable to receive customer information corresponding to the target customer to be output on the transaction application.

In addition, the received customer information further comprises item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the financial institution equipped with the financial system 1480. desirable.

According to another embodiment of the present invention, the information to be output on the financial transaction application, the financial transaction from the D / B on the customer information management server (not shown) connected to the information processing device 1400 through a communication network It is desirable to receive customer information corresponding to the target customer to be printed on the application.

The received customer information may further include item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the institution operating the customer information management server.

The information checking unit checks the mismatch information when there is mismatch information among the received customer information.

According to an exemplary embodiment of the present invention, among the customer information stored in the customer ledger D / B provided on the financial system 1480, the customer ledger outputs mismatch information in the customer information to be output on the financial transaction application form. It is desirable to receive further from.

According to another exemplary embodiment of the present invention, when receiving customer information stored in the D / B provided on the customer information management server (not shown), it is preferable to further receive mismatch information stored in the D / B.

The output data generation unit 1420 generates output data for outputting a financial transaction application including the received customer information and mismatch information among the received customer information, and outputs the generated output data. It is preferable to provide the output data processor 1425 to process the output data on the financial transaction application form.

According to the method of the present invention, the financial transaction application is an item information output area for outputting item information corresponding to customer information to be output on the financial transaction application, and the financial system 1480 corresponding to the item information. A customer information output area for outputting customer information stored in a customer ledger (or a D / B provided on a customer information management server (not shown)) stored in the ledger D / B provided on the table; And a discrepancy marker output area for outputting a marker (or an icon, a special character, etc.) on the discrepancy information, and a change description area for recording the change when the financial transaction application is output to the customer. Preferably, in addition to the area according to the intention and purpose of those skilled in the art, a separate output that can be output from the financial institution on the financial transaction application It may be achieved by further comprising a station.

Referring to FIG. 14, the information processing apparatus 1400 inserts a financial transaction application prepared by a predetermined customer through the information processing apparatus 1400 to use a financial transaction service provided by the financial institution. An image data receiving unit 1430 for receiving image data corresponding to the application form, an information reading unit 1435 for reading information on the received image data, and the read information through the communication unit 1475 through a financial system ( 1480 (or a customer information management server (not shown)).

The image data receiving unit 1430 scans the inserted financial transaction application when the financial transaction application is inserted through the application scanning processing unit 1455 provided on the application processing unit 1445 and corresponds to the scanned financial transaction application. It is preferable to receive image content, and the received image content is preferably provided to the information reading unit 1435.

The information reading unit 1435 preferably reads customer information corresponding to the customer information change recorded in the change description area on the received image content, and reads the customer information into the information transmitting unit 1440. It is preferable to update the customer information by transmitting to the financial system 1480 (or customer information management server, etc.) through.

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

15 is a diagram illustrating an operation of the information processing apparatus 1400 for outputting customer information and mismatch information on a financial transaction application to be provided to a customer according to an embodiment of the present invention.

In more detail, Figure 15 shows an information processing apparatus 1400 provided at a window of a predetermined financial institution (for example, a commercial banking branch), information having an output of a financial transaction application form or a financial transaction application recognition function according to the present invention. A process of outputting a financial transaction application form among the functions of the processing device 1400, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the financial transaction according to the present invention with reference to and modified with reference to FIG. While it may be possible to infer various implementation methods for the process of outputting the financial transaction application among the functions of the information processing device 1400 equipped with the application output or the financial transaction application recognition function, the present invention includes all the implementation methods inferred above. It is not limited by the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to the information processing apparatus 1400 having a financial transaction application output or financial transaction application recognition function according to the present invention by referring to and modifying the drawing 15. It is possible to infer various implementation methods, such as changing the order of the process of outputting the financial transaction application of the function, but the present invention is not limited thereby.

Hereinafter, in FIG. 15, the information processing apparatus 1400 illustrated in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 15, when a predetermined customer visits the financial institution to use a financial transaction service and requests a financial transaction application (1500), a teller of the financial institution operates the terminal (or employee terminal) to finance the financial transaction. In response to the request for output of the transaction application, the terminal correspondingly to the customer ledger (or customer information management server (not shown) stored in the ledger D / B provided on the financial system 1480 corresponding to the customer information corresponding to the customer) Received customer information corresponding to the customer from the provided D / B) (1505).

Here, the request for the financial transaction application may be directly manipulated by the customer in addition to the method of requesting the teller of the financial institution, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information to be output on the financial transaction application, the financial information from the customer ledger stored in the ledger D / B on the financial system 1480 connected to the information processing device 1400 through a communication network It is desirable to receive customer information corresponding to the target customer to be output on the transaction application.

The received customer information may further include item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the financial institution equipped with the financial system 1480. Do.

According to another embodiment of the present invention, the information to be output on the financial transaction application, the financial transaction from the D / B on the customer information management server (not shown) connected to the information processing device 1400 through a communication network It is desirable to receive customer information corresponding to the target customer to be printed on the application.

The received customer information may further include item information (or item information corresponding to newly added customer information) corresponding to the change target customer information confirmed by the institution operating the customer information management server. .

Thereafter, the terminal checks inconsistency information corresponding to the received customer information (1510).

According to an exemplary embodiment of the present invention, among the customer information stored in the customer ledger D / B provided on the financial system 1480, the customer ledger outputs mismatch information in the customer information to be output on the financial transaction application form. It is desirable to receive further from.

According to another exemplary embodiment of the present invention, when receiving customer information stored in the D / B provided on the customer information management server (not shown), it is preferable to further receive mismatch information stored in the D / B.

If there is no mismatch information (1515), the terminal outputs the blank financial transaction application for printing the received customer information (1520), and provides the output financial transaction application to the customer.

On the other hand, if there is inconsistency information (1515), the terminal on the blank financial transaction application for printing the received customer information, the mismatch marker output area near the customer information item corresponding to the customer information and the mismatch information of the customer information A marker (or an icon, a special character, etc.) is output (1525), and the output financial transaction application is provided to the customer.

According to the method of the present invention, the financial transaction application is an item information output area for outputting item information corresponding to customer information to be output on the financial transaction application, and the financial system 1480 corresponding to the item information. A customer information output area for outputting customer information stored in a customer ledger (or a D / B provided on a customer information management server (not shown)) stored in the ledger D / B provided on the table; And a discrepancy marker output area for outputting a marker (or an icon, a special character, etc.) on the discrepancy information, and a change description area for recording the change when the financial transaction application is output to the customer. Preferably, in addition to the area according to the intention and purpose of those skilled in the art, a separate output that can be output from the financial institution on the financial transaction application It may be achieved by further comprising a station.

FIG. 16 is a diagram illustrating an operation process of an information processing apparatus 1400 which recognizes and updates processing change information recorded on a financial transaction application to be provided to a customer according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates an information processing apparatus 1400 provided at a window of a predetermined financial institution (for example, a commercial bank branch), and includes information on a financial transaction application output or a financial transaction application recognition function according to the present invention. Scan the financial transaction application among the functions of the processing device 1400 to recognize the change information described in the change description area, and convert the recognized change information into the financial system 1480 (or the customer information management server) shown in FIG. (Not shown), etc.), a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and modify this drawing 16 to output or apply a financial transaction application form according to the present invention. Scan the financial transaction application among the functions of the information processing apparatus 1400 equipped with the application recognition function to recognize the change information described in the change description area. However, various implementation methods for the process of updating the recognized change information to the financial system 1480 (or the customer information management server (not shown), etc.) shown in FIG. 14 may be inferred. Includes all the implementation methods inferred and is not limited by the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to and modify this drawing 16 to provide an information processing apparatus 1400 having a financial transaction application output or financial transaction application recognition function according to the present invention. Scan the financial transaction application of the function to recognize the change information described in the change description area, and recognize the changed change information in the financial system 1480 (or the customer information management server (not shown), etc.) shown in FIG. It is possible to infer various implementation methods, such as modifying the order of the update processing, but the present invention is not limited thereto.

Hereinafter, in FIG. 16, the information processing apparatus 1400 illustrated in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 16, a predetermined customer receives a financial transaction application form according to the process shown in FIG. 15 to use a financial transaction service, and writes changed customer information in the change information description area on the provided financial transaction application form. When submitted to the teller, the teller inserts the financial transaction application into the terminal (1600), and the terminal scans the inserted financial transaction application to generate image data (1605).

Here, the financial transaction application may be inserted directly by the person in charge or the customer in addition to the teller, and thus the present invention is not limited thereto.

Thereafter, the terminal checks whether the change is described on the change description area on the image data corresponding to the inserted financial transaction application (1610).

If the change is not described (1615), the terminal reads the change information on the image data corresponding to the financial transaction application (1620), the customer information included in the read change information Process the data to be updated in the customer ledger (or D / B on the customer information management server (not shown)) stored in the ledger D / B on the financial system 1480 shown in FIG.

According to an embodiment of the present invention, the customer information corresponding to the customer information change recorded in the change description area on the image content may include information recorded by the customer in the change description area on the image content scanned by the financial transaction application. It is preferable to confirm the presence or absence of and to read the information if the recorded information exists.

In addition, the reading of the information, it is preferable to directly recognize the writing written by the customer, or to receive the information input by the employee who confirmed the writing written by the customer.

17 is a view showing an example of a financial transaction application of the financial transaction application in accordance with the implementation method of the present invention.

In more detail, FIG. 17 illustrates an information processing apparatus 1400 provided at a window of a predetermined financial institution (eg, a commercial bank branch), and includes a function for outputting a financial transaction application or a financial transaction application recognition function according to the present invention. As an example of a financial transaction application form output through the information processing device 1400, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the financial transaction application form according to the present invention by referring to and modifying the drawing 17. Although various implementation methods for the example of the financial transaction application output through the information processing device 1400 equipped with the output or financial transaction application recognition function may be inferred, the present invention includes all the implementation methods inferred above, It is not limited by the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to various modifications such as changing the position of an item on the application by referring to and modifying the drawing 17, but not limited thereto. No.

Referring to FIG. 17, the financial transaction application form includes an item information output area for outputting item information corresponding to customer information to be output on the financial transaction application, and on the financial system 1480 corresponding to the item information. Customer information output area for outputting customer information stored in the customer ledger (or D / B, etc. provided on the customer information management server (not shown)) stored in the ledger D / B, and inconsistency information among the outputted customer information And a discrepancy marker output area for outputting a marker (or an icon, a special character, etc.) and a change description area for recording the changes when the financial transaction application is output to the customer. According to the intention and purpose of those skilled in the art, in addition to the above areas, a separate area that can be output from the financial institution on the financial transaction application It may also be made in comparison.

The item information output area includes home (head office) address / Home Add item, home phone / Home Tel. Item, mobile phone / Mobile item, work (factory) address / Office Add. Entry, work phone / Office Tel. Item, Work Name / Company Item, Department / Job / Dep / Posi. And at least one item, an email / e-mail item, a home fax / home fax item, and a workplace fax / office fax item, wherein the item information output area is output at an intermediate position of the financial transaction application form. In addition, the position or item output on the financial transaction application may be changed according to the intention and purpose of those skilled in the art.

The customer information output area may include item-specific information corresponding to the item information output in the item information output area among customer information corresponding to the customer who requested the financial transaction application ledger D on the financial system 1480 shown in FIG. It is preferable to output the customer information matching the item information from the customer ledger (or D / B provided on the customer information management server (not shown) stored in / B).

The discrepancy mark output area includes mismatch information in response to a case in which a mail is sent from the financial institution (or a customer information management institution, etc.) to the customer when a DM mail is sent, or when a telephone contact is made due to a missing or no corresponding customer. In this case, it is preferable to output a mark (or an icon, a special character, etc.) in a predetermined area (eg, a middle area of the item information output area and the customer information output area) near the item information matching the mismatch information.

When the financial institution provides the financial transaction application form to the customer at the financial institution, if the changed information is found among the customer information output in the customer information output area on the financial transaction application, the changed information is recorded. It is preferable that the area is for.

According to the present invention, when a customer prepares a financial transaction application (or inputs (or selects) financial transaction application information (or selection)) to use a financial transaction service, the financial transaction application is more prepared by utilizing customer information previously stored in a financial institution. There is an advantage that can be convenient.

In addition, when the customer information is changed, by outputting a mark or the like on the changed information item, the teller can recommend that only the part having the corresponding mark is created, and thus, there is an advantage that the processing can be performed more efficiently.

In addition, by creating (or entering or selecting only) changed information, it is easy to check the status of changing customer information, and by automatically updating only the changed information when preparing a financial transaction application, it can be utilized as more efficient customer information management and marketing information. There is an advantage.

Claims (8)

A customer information database storing customer information classified by items; Update processing object identifier processing means for writing an update processing object identifier on an item for which update processing is required among customer information items stored in the customer information database; When outputting a financial transaction application form to the customer, the customer information for each item stored in the customer information database is first checked, and after confirming items for which update identifiers are listed among the identified customer information for each item, the first confirmation The customer information for each item is processed to be included in the existing customer information display area of the existing item in the financial transaction application, and the second confirmed update target is displayed on the item display area or the item display area adjacent to the financial transaction application. Financial transaction application processing system for processing to include a special mark; financial transaction application processing system comprising a. The method of claim 1, The financial transaction application processing system, characterized in that further comprises a financial transaction application output means for outputting a financial transaction application containing a special mark to inform the customer information of each existing item and the update processing target. According to claim 2, The financial transaction application output means, Output the financial transaction application in a paper document; or A financial transaction application processing system, characterized in that for outputting the financial transaction application as an electronic document. The method of claim 1, Means for confirming new customer information corresponding to an item including a special mark indicating that the renewal processing object is input, when a financial transaction application prepared by a customer is input or received; And And means for updating the customer information corresponding to the item including the identified special mark on the customer information database with the confirmed new customer information. An update processing object identifier processing step of writing an update processing object identifier on an item for which update processing is required among customer information items stored in a customer information database in which the server stores customer information by item; Outputting the financial transaction application form to the customer, first checking the customer information for each item stored in the customer information database in the server, and secondly checking the item in which the update processing target identifier is described among the identified customer information for each item ; In connection with the financial transaction application output means, the server processes the first-identified item-specific customer information to be included in the existing item-specific customer information display area in the financial transaction application, and displays the item display area or item in the financial transaction application. A financial transaction application processing step of processing to include a special mark informing that the target of the second confirmed update processing on the area adjacent area; And And a financial transaction application output step of outputting a financial transaction application including a special mark informing the customer information for each existing item and an update processing target in a financial transaction application output means. The method of claim 5, When a financial transaction application prepared by a customer is input or received, confirming new customer information corresponding to an item including a special mark indicating that the renewal processing target is in the server; And And updating, at the server, customer information corresponding to the item including the checked special mark on the customer information database with the checked new customer information. The method of claim 5, If the financial transaction application prepared by the customer is input or received, the financial transaction application processing method further comprises the step of transmitting the electronic document to the electronic document storage server by the server. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 5 to 7.

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