KR20090036479A - System and method for processing loan without visiting by using intranet banking - Google Patents

Abstract

A system and a method for processing loan without visiting by using intranet banking are provided to request a loan through the intranet banking without visiting a bank. An information confirming unit(945) confirms the information of a corporate staff member when a corporate staff member applies a loan by using the intranet banking. A loan processing unit(950) uses confirmed staff member information as described above to check whether the current loan figure is 0(zero) or not, a difference with another loan and the total limit for the staff member matches the requested amount of loan or not, and the current loan is secured loan or not, through a relaying server(965). Only all or one of the above conditions are satisfied, the loan processing unit processes the loan for corporate staff member without visiting.

Description

System and Method for Processing Loan without Visiting by Using Intranet Banking}

1 is a diagram illustrating a system for a non-visitor loan processing of a company employee using intranet banking according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a face-to-face corporate (employee) information registration system for corporate employee intranet banking according to an exemplary embodiment of the present invention.

3 is a diagram showing the configuration of intranet banking registration information stored in the ledger D / B provided in the DBMS on the financial system for intranet banking of corporate employees according to an embodiment of the present invention.

4 is a diagram illustrating the configuration of intranet banking registration information stored in a database associated with the ledger D / B provided in a DBMS on a financial system for intranet banking of corporate employees according to another exemplary embodiment of the present invention.

5 is a diagram illustrating the configuration of intranet banking registration information stored in a DBMS provided in a banking server for intranet banking of corporate employees according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of registering intranet banking registration information in a face-to-face manner according to an embodiment of the present invention.

7 is a diagram illustrating a non-face-to-face corporate (employee) information registration system for intranet banking of corporate employees according to another embodiment of the present invention.

8 is a diagram illustrating a process of registering intranet banking registration information for corporate employee intranet banking according to one embodiment of the present invention.

9 is a diagram illustrating an intranet banking system for non-visitor loan processing of a company employee using intranet banking according to an embodiment of the present invention.

10 is a diagram illustrating an intranet member authentication process for loan application using employee information according to an embodiment of the present invention.

11 is a diagram illustrating an intranet member authentication process for loan application using employee information according to another embodiment of the present invention.

12 is a diagram illustrating a non-visiting loan processing process of a company employee using intranet banking according to an embodiment of the present invention.

<Description of main parts of drawing>

900: intranet server 905: banking operation

910: employee certification unit 915: intranet operation unit

920: Banking Server 925: Storage Media

930: interface unit 935: interface provider

940: information receiving unit 945: information checking unit

950: loan processing unit 955: ledger processing unit

960: information transmission unit 965: relay server

970: employee terminal

In the present invention, when applying for corporate employee loans using intranet banking, the loan application company employee information is checked, and the loan history of the employee checked through the relay server-federation-using the confirmed employee information is "0 (zero). Whether or not the difference between the total loan amount of the employee and the total loan amount of other employees is in accordance with the loan application amount, and whether the total amount of the existing loan of the employee is a collateral loan through a registered copy inquiry An intranet that checks the cases and satisfies all of the above cases, or satisfies one or more of the above, and processes the non-visiting loan of the corporate employee, and if the case is not satisfied, the intranet loan is made through the branch visit. It relates to a non-visit loan processing method and system using banking.

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

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

However, while being provided with such corporate banking services, customers had to visit banks directly to obtain loans, and differentiated financial services (e.g. loans, etc.) that would eliminate the hassle of direct visits on corporate banking services. It's time to explore.

An object of the present invention for solving the above problems, when applying for corporate employee loans using intranet banking in the information checking means, the step of checking the loan application company employee information, and using the confirmed employee information in the loan processing means Whether the loan history of the employee identified through the relay server-federation is "zero", and whether the difference between the total loan limit of the employee and the total loan amount of the employee is matched to the loan application amount. To check whether the total loan amount of the existing loan of the employee is a mortgage through the registered copy inquiry, and if the result of the check satisfies all of the above cases or satisfies at least one of them, The present invention provides a non-visit loan processing method using intranet banking, which includes the steps.

In the non-visited loan processing system using intranet banking according to the present invention, when a corporate employee loan application using intranet banking is performed, a relay server-association association using information confirmation means for confirming the loan employee information and corporate employee information is checked. -Whether the loan history of the employee identified through-is zero (zero), whether the difference between the total loan limit of the employee and the total loan amount of the employee to other institutions is consistent with the loan application amount, and the registered copy inquiry Through the check whether the total loan amount of the existing loan of the employee is a mortgage loan, and if the result of the check satisfies all of the above cases, or if one or more of them are satisfied, the non-visit loan of the company employee is processed, and the case If not satisfied, including loan processing means to make a loan through a branch visit It is characterized by falling.

On the other hand, the non-visited loan processing method using intranet banking according to the present invention includes the steps of checking the corporate employee information of the loan application company when applying for a corporate employee loan using intranet banking in the information checking means, and the employee identified in the loan processing means. Whether the loan history of the employee identified through the relay server-federation using the information is "zero", and the difference between the total loan limit of the employee and the total loan amount of the other agency of the employee is the loan application amount. Whether or not the company's existing total loan amount is a secured loan through the registered copy inquiry, and if the results are satisfied in all of the above cases, or if one or more of them are satisfied, the company employee's non-visiting visit Characterized in that it comprises a step of processing the loan.

According to the present invention, the non-visited loan processing method using the intranet banking is characterized in that the loan processing means includes a step of making a loan through a branch visit if the check result does not satisfy the case. .

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

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

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

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 system for a non-visitor loan processing of a company employee using intranet banking according to an embodiment of the present invention.

More specifically, FIG. 1 is a storage medium in which corporate information and corporate employee information for intranet banking of a corporate employee are stored in a predetermined storage medium through a corporate (employee) information registration system shown in FIG. 2 or 7 below. After it is stored in, when the loan application of the intranet banking access employees through the intranet banking system shown in Figure 9 below, the employee information of the loan application company is confirmed, and using the confirmed employee information, Linked with a relay server (eg, federation association server, etc.) storing the corporate employee financial transactions, whether or not the loan history corresponding to the loan application employee information is "zero", the total loan limit of the employee and the Whether the difference between the total amount of loans of other employees and the loans is consistent with the loan application amount, Determine whether the total loan amount is a mortgage loan and infer various implementation methods for the system configuration to handle the loan applied by the employee, if all of the above cases are satisfied or at least one of them is satisfied. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 1, the illustrated information registration server (for example, the information registration server shown in FIG. 2 or FIG. 7 below) is provided by a corporate customer who wants to provide intranet banking service to a working employee through a predetermined information registration interface. The corporate employee for intranet banking is characterized in that the corporate information and corporate employee information is stored in a predetermined storage medium by linking processing, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 2 Alternatively, various implementation methods for the configuration of an information registration server for registering corporate information and corporate employee information for corporate intranet banking may be inferred by referring to or modifying the drawing 7, but the present invention includes all the inferred implementation methods. The present invention is not limited to only the implementation method shown in FIG. 2 or FIG. 7.

Referring to FIG. 1, an intranet server includes predetermined employee information D / B for employee authentication for providing at least one intranet service (eg, e-mail, electronic payment, banking, etc.) through a predetermined employee terminal, and The employee information is characterized in that the employee is authenticated based on the employee account information received from the employee terminal performing the intranet banking service in connection with the employee information D / B, the person having ordinary knowledge in the technical field to which the present invention belongs If the application to the corporate employee loans using intranet banking by referring to or modifying the following Figure 9, it is possible to infer various implementation methods for the configuration of the intranet server for performing employee authentication, the present invention is all inferred implementation method It is not limited to the implementation method shown in Figure 9 below.

In addition, the banking server is a storage medium for storing the intranet banking registration information including at least one or more corporate information and corporate employee information through the corporate (employee) information registration system shown in Figure 2 or Figure 7 When applying for a loan through intranet banking, a relay server (eg, a federation association server) that checks the loan employee's employee information and stores the bank employee's financial transactions of a plurality of financial institutions by using the confirmed employee information. Whether the loan history corresponding to the loan application employee information is "zero", whether the difference between the total loan limit of the employee and the total loan amount of other employees of the employee corresponds to the loan application amount, Inquiries on registered copies confirm whether the total loan amount of the employee is a secured loan. If all of them, or if one or more of them are satisfied, characterized in that the processing of the loan applied by the employee, if you have ordinary knowledge in the technical field to which the present invention belongs, see Figure 9 below Alternatively, when transforming a corporate employee loan application using intranet banking, it is possible to infer various implementation methods for the configuration of an intranet banking server that processes the loan based on the employee loan history information in connection with the relay server. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to the present invention, the banking server checks loan history information corresponding to the loan application employee information provided from the relay server, and if the loan history of the checked loan application employee is zero, the employee It is characterized by determining that the loan applied for is possible.

In addition, according to another embodiment of the present invention, the server checks the loan history information corresponding to the loan application employee information provided from the relay server, and the loan amount of the confirmed loan application employee at the loan limit of the employee By subtracting, it is determined whether the loan application amount included in the loan application information provided by the employee is equal to the deducted loan limit.

In addition, according to another embodiment of the present invention, the server, after the loan history information of the employee is confirmed, inquires the registered copy of the employee, if the loan history is only mortgage loan, the employee applies It is characterized by determining that one loan is possible.

The relay server receives the loan application employee information from the banking server provided with the loan application information when the loan application through the intranet banking of the corporate employee, and checks the loan history information corresponding to the loan application employee information, Characterized in that the loan history information is provided to the intranet banking server.

According to an embodiment of the present invention, the relay server is connected with a plurality of financial institutions, and has a storage medium for integrating and storing customer-specific loan history of each financial institution, or is connected with the storage medium. In addition, the relay server is characterized in that it is provided in the association or in association with a plurality of financial institutions, or in association with the association.

2 is a diagram illustrating a face-to-face corporate (employee) information registration system for corporate employee intranet banking according to an embodiment of the present invention.

In more detail, Figure 2 is an intranet banking registration information including at least one or more corporate information and corporate employee information for a corporate employee intranet banking by a predetermined corporate customer through a predetermined information registration interface for corporate (employee) information registration system. If provided, the system (employee) is a system configuration for storing the information stored in a predetermined storage medium 230 by linking and processing the corporate information and corporate employee information included in the provided intranet banking registration information in the information registration system, Those skilled in the art to which the present invention pertains may refer to or modify this figure 2 to infer various implementation methods for the configuration of a company (employee) information registration system for corporate employee intranet banking. Includes all implementation methods inferred, and It shall not be limited to the exemplary method.

Hereinafter, at least one means or function for storing the intranet banking registration information provided from the corporate customer through the predetermined information registration interface on the storage medium 230 in the enterprise (employee) information registration system shown in FIG. 2. The component corresponding to the configuration is called "information registration server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a corporate (employee) information registration system for intranet banking of a corporate employee includes a teller terminal provided in at least one branch of a financial institution (or a branch or a main office). Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 200 provided on the enterprise (employee) information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the corporate customer visits the financial institution branch (or branch or main branch) for intranet banking of the corporate employee, and through a window provided at the financial institution branch (or branch or main branch). Fill out a prescribed application (e.g., a document with a form for filling in at least one information item for corporate employee intranet banking) (or through a teller) and submit the completed application When submitting to, the teller enters (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal transmits the input (or select) the information (the employee) through the financial network. It is preferable to transmit to the information registration server 200 provided on the information registration system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch (or branch or main office) of the financial institution, the information registration server 200 connected to the teller terminal is the predetermined financial Preferably, the system comprises a ledger server provided on the system, wherein the financial network connecting the teller terminal and the information registration server 200 connects the communication channel between the teller terminal and the information registration server 200. It is preferable to comprise a.

In the enterprise (employee) information registration system as described above, the application form prepared by the corporate customer, the teller terminal used by the teller staff and the financial network connecting the teller terminal and the information registration server 200 is the corporate customer The corporate employee performs the function of an information registration interface for registering intranet banking registration information for intranet banking.

The storage medium 230 provided on the company (employee) information registration system according to the present invention is a predetermined process by linking the company information and corporate employee information included in the intranet banking registration information provided from the information registration terminal Characterized in that the storage medium 230, the intranet banking registration information including at least one or more corporate information and corporate employee information stored in the storage medium 230 is used for the corporate employee intranet banking.

The company information may include a company name that enables the employee to perform intranet banking in consultation with the financial institution, company-specific information (eg, business registration number, corporation registration number, etc.), company address, It is preferable to include at least one or more of a company telephone number, representative director information, company homepage information, company performance information, company history information, and company financial statement information.

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

According to one embodiment of the invention, the storage medium 230 is provided in a DBMS on a financial system provided on the enterprise (employee) information registration system (or associated with the company (employee) information registration system). Preferably, in this case, the storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 230 is an Internet banking system, or a telebanking system, a wireless banking system, or a TV provided on (or associated with) the enterprise (employee) information registration system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

The information registration server 200 provided on the company (employee) information registration system according to the present invention is a generic term for the components of the company (employee) information registration system side connected to the information registration terminal and a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 200 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 200 is characterized by comprising an interface unit 205 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 205 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the information registration server 200 connects a communication channel with the information registration server 200 through the interface unit 205 and then connects the communication unit 205 with the interface unit 205. An interface providing unit 210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined intranet banking registration information from the information registration terminal in association with the information registration terminal; An information receiving unit 215 for receiving predetermined intranet banking registration information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 205 and the received intranet banking registration information; Validation unit 220 for verifying the validity, and the company information and the company included in the intranet banking registration information is confirmed validity Processing information associated with the source is characterized in that formed by an information storage 225 for storing in a storage medium 230.

The interface providing unit 210 connects a communication channel with the information registration server 200 through the interface unit 205 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) intranet banking registration information and transmit it to the information registration server 200 through the financial network, or extract from a predetermined database (not shown), and the interface unit In operation 205, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, a predetermined type having at least one user interface for inputting (or selecting) the intranet banking registration information to the information registration terminal and transmitting the information to the information registration server 200 through the financial network. When the information registration program is provided, the interface providing unit 210 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) intranet banking registration information including at least one of the corporate information and corporate employee information based on the user interface, and inputs the input (or selected) intranet banking registration information. The information registration server 200 is transmitted through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 210 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 205.

When the information receiving unit 215 inputs (or selects) intranet banking registration information including at least one or more corporate information and corporate employee information through the user interface, the information registration terminal 215 transmits the information through the financial network. The intranet banking registration information may be received in cooperation with the unit 205, and the received intranet banking registration information is provided to the validity confirming unit 220.

The validity confirming unit 220 is characterized by checking whether the intranet banking registration information received from the information registration terminal satisfies the validity for the corporate staff intranet banking.

According to an embodiment of the present invention, the validity check of the intranet banking registration information includes at least one ledger information matching the intranet banking registration information on a ledger D / B on a financial system linked to the company (employee) information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the intranet banking registration information is performed by matching the corporate customer information included in the intranet banking registration information with a corporate customer ledger stored in a ledger D / B on a financial system linked to the corporate (employee) information registration system. It is preferable to include checking whether or not.

In addition, the validity check of the intranet banking registration information includes the corporate customer account ledger stored in the ledger D / B on the financial system in which the corporate customer information included in the intranet banking registration information is linked to the corporate (employee) information registration system; It is desirable to include checking that a match is found.

When the validity of the intranet banking registration information is confirmed, the information storage unit 225 stores the data in the storage medium 230 by linking and processing the company information and the company employee information included in the intranet banking registration information. When the storage medium 230 is provided in the information registration server 200 or on the network associated with the information registration server 200, the information storage unit 225 may receive the received intranet banking. It is preferable to store the information stored in the storage medium 230 by linking and processing the company information and the company employee information included in the registration information, when the storage medium 230 is provided in the DBMS provided on the financial system, the information storage The unit 225 provides financial information by providing the corporate information and corporate employee information included in the received intranet banking registration information to the information system through the external system on the financial system. Be stored in a DBMS provided on a stem are preferred.

3 is a diagram showing the configuration of intranet banking registration information stored in the ledger D / B provided in the DBMS on the financial system for intranet banking of corporate employees according to an embodiment of the present invention.

In more detail, when the storage medium 230 shown in FIG. 2 is the ledger D / B provided in the DBMS on the financial system, the company information and the company employees are included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method for storing intranet banking registration information including information is shown. Those skilled in the art to which the present invention pertains may refer to or modify the drawings of the ledger D / Although various information construction methods for storing the intranet banking registration information in B may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an exemplary embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined corporate customer ledger and an account ledger associated with the corporate customer ledger (eg, Reception ledger, loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system The D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers in addition to the corporate customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included in the present invention, and you will be familiar with the specific technical matters. Omitted.

The corporate customer ledger is CIF (Customer Information File) number, country code, contact person ID, branch number, corporate customer classification, corporate customer name, corporate customer address, region classification code, telephone number, business number, business name, classification code, valid Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Resident Registration 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, gender 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 corporate customer ledger includes ledger information for a corporate customer including at least one of a private enterprise customer, a corporate enterprise 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 corporate ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked with the corporate customer ledger, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bankbook Balance, Bank Account Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, Number of Unpaid Transactions, Interest System Account, Consolidation, Final Payment Interest, Final Payment It includes at least one transaction number, individual interest rate reference, and the date of final interest calculation, and at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including, 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, or correspond to 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. 3, the intranet banking registration information provided through the company (employee) information registration system shown in FIG. 2 is stored in the form of additional information added to the account ledger, and the intranet banking registration information is Characterized in that it comprises at least one or more corporate information and corporate employee information.

The company information includes a company name that enables the employee to perform intranet banking in consultation with the financial institution, company-specific information (eg, business registration number, corporation registration number, etc.), company address, company It is preferable that the telephone number, the representative director information, the company homepage information, the company performance information, the company history information, and the company financial statement information are included.

Preferably, the employee information includes employee account information of an employee, and the employee account information includes employee number (or code) information of the company employee and information stored in an employee card owned by the company employee. And, the member information including the official certificate information of the corporate employee customer, the user account (ID) and password of the corporate employee registered in the company (for example, company server, etc.), the social security number information of the corporate employee, At least one employee name information, driver license number information, insurance number information, and at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the corporate staff Wireless terminal information, including biometric information and telephone numbers or terminal serial numbers for wireless terminals owned by the company's employees And, the IC chip mounted on or detached from the wireless terminal owned by the corporate employee or the customer unique information stored in the IC chip owned by the corporate employee, and the serial number or unique code of the IC card owned by the corporate employee customer It is preferable to include at least one or more information including at least one information.

According to another exemplary embodiment of the present invention, the intranet banking registration information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, the corporate customer ledger). It can be stored in the form of additional information, or in the form of information contained in other ledgers (eg, corporate customer ledgers) other than the account ledger, and the present invention is not limited thereto.

4 is a diagram illustrating the configuration of intranet banking registration information stored in a database linked to the ledger D / B provided in a DBMS on a financial system for corporate intranet banking according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates an information structure of an exemplary embodiment in which the storage medium 230 shown in FIG. 2 is stored in a predetermined database processed in association with a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the intranet banking registration information in association with the ledger D / B in a predetermined database by referring to or modifying FIG. 4. Although it can be inferred, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 shows that when it is not easy to store the intranet banking registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change or system expansion is not easy due to the nature of the financial system), the intranet banking registration information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on the financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a banking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 4, the database is characterized in that the corporate information and corporate employee information contained in the intranet banking registration information is stored in a cooperative process, the intranet banking registration information to be processed in conjunction with the ledger D / B Preferably, the intranet banking registration information further includes a CIF number corresponding to the ledger information.

The company information includes a company name that enables the employee to perform intranet banking in consultation with the financial institution, company-specific information (eg, business registration number, corporation registration number, etc.), company address, company It is preferable that the telephone number, the representative director information, the company homepage information, the company performance information, the company history information, and the company financial statement information are included.

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

5 is a diagram illustrating the configuration of intranet banking registration information stored in a DBMS provided in a banking server for intranet banking of corporate employees according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows that the storage medium 230 shown in FIG. 2 is connected to a predetermined banking server provided on an Internet banking system, an intranet banking system, or a telebanking system, a wireless banking system, or a TV banking system. One embodiment provided in the DBMS is provided, if one having ordinary knowledge in the art to which the present invention pertains, a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 It will be possible to infer the information configuration method for the intranet banking registration information stored in the present invention, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, a predetermined DBMS provided in the banking server is configured to store and store corporate information and corporate employee information included in the intranet banking registration information.

The company information includes a company name that enables the employee to perform intranet banking in consultation with the financial institution, company-specific information (eg, business registration number, corporation registration number, etc.), company address, company It is preferable that the telephone number, the representative director information, the company homepage information, the company performance information, the company history information, and the company financial statement information are included.

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

6 is a diagram illustrating a process of registering intranet banking registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 6 shows that the information registration server 200 on the company (employee) information registration system shown in FIG. 2 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the counter terminal accesses the information registration server 200, connects the corporate information for corporate employee intranet banking according to the present invention and the communication channel for registering corporate employee information, and then connects the communication channel. When the intranet banking registration information including the company information and corporate employee information is transmitted to the information registration server 200, the company information and the company included in the received intranet banking registration information from the information registration server 200. As an implementation method for linking and processing employee information in a predetermined storage medium 230, communication in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the intranet banking registration information from the counter terminal to the information registration server 200 by referring to or modifying the present invention. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the window terminal shown in FIG. 2 will be referred to as a "terminal" for convenience, and the information registration server 200 shown in FIG. 2 will be referred to as a "server" for convenience, and the information will be registered in the window terminal. The corporate information and corporate employee information transmitted to the server 200 are referred to as "intranet banking registration information" for convenience.

Referring to FIG. 6, a window terminal shown in FIG. 2 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the intranet banking registration information, and for the corporate employee intranet banking. Upon requesting registration of the intranet banking registration information (600), the server generates (or extracts) a predetermined information registration interface for registering the intranet banking registration information (605), and generates (or retrieves) the communication channel. The extracted information registration interface is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) intranet banking registration information including at least one of the corporate information and corporate employee information in the terminal.

Thereafter, the terminal inputs (or selects) intranet banking registration information including at least one or more corporate information and corporate employee information through the information registration interface (615).

If the terminal receives (or selects) intranet banking registration information including the corporate information and corporate employee information through the information registration interface (620), the terminal receives the input (or selects) through the financial network. The intranet banking registration information including corporate information and corporate employee information is transmitted to the server (625).

Thereafter, the server receives and reads the corporate information and corporate employee information through the financial network to check the validity of the intranet banking registration information (630).

According to an embodiment of the present invention, the validity check of the intranet banking registration information includes at least one ledger information matching the intranet banking registration information on a ledger D / B on a financial system linked to the company (employee) information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the intranet banking registration information is performed by matching the corporate customer information included in the intranet banking registration information with a corporate customer ledger stored in a ledger D / B on a financial system linked to the corporate (employee) information registration system. It is preferable to include checking whether or not.

In addition, the validity check of the intranet banking registration information includes the corporate customer account ledger stored in the ledger D / B on the financial system in which the corporate customer information included in the intranet banking registration information is linked to the corporate (employee) information registration system; It is desirable to include checking that a match is found.

If the validity of the intranet banking registration 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 intranet banking registration information. Do not perform.

On the other hand, if the validity of the intranet banking registration information is authenticated (635), the server performs an information registration procedure corresponding to the intranet banking registration information, thereby linking the corporate information and corporate employee information to a predetermined storage medium ( 230) (645).

According to one embodiment of the invention, the storage medium 230 is provided in a DBMS on a financial system provided on the enterprise (employee) information registration system (or associated with the company (employee) information registration system). Preferably, in this case, the storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 230 is an Internet banking system, or a telebanking system, a wireless banking system, or a TV provided on (or associated with) the enterprise (employee) information registration system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (650), thereby completing the procedure of registering the intranet banking registration information transmitted from the terminal.

7 is a diagram illustrating a non-face-to-face corporate (employee) information registration system for corporate intranet banking according to another embodiment of the present invention.

In more detail, Figure 7 shows that a corporate customer who wants to provide intranet banking services to a working employee is provided with a corporate (employee) information registration system through a predetermined information registration interface. When the intranet banking registration information including one or more is provided, the corporate information and the corporate employee information included in the provided intranet banking registration information are cooperatively processed and stored in a predetermined storage medium 730 in the corporate (employee) information registration system. As the configuration of the system to those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring a company (employee) information registration system for intranet banking by referring to or modifying the present Figure 7 It may be inferred, but the present invention is Includes all embodiments estimation method, it shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, at least one means or function for storing intranet banking registration information provided from the corporate customer through the predetermined information registration interface on the storage medium 730 on the enterprise (employee) information registration system shown in FIG. 7. The component corresponding to the configuration is referred to as "information registration server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a corporate (employee) information registration system for intranet banking of an enterprise employee may include at least one client terminal including at least one wired terminal or a wireless terminal used by a corporate customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 700 provided on the enterprise (employee) information registration system through a predetermined network means do.

According to an exemplary embodiment of the present invention, the corporate customer accesses the information registration server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the intranet banking registration information for the corporate employee intranet banking is input (or selected) through at least one user interface provided by the information registration server 700, the company (employee) through a predetermined network means in the client terminal It is preferable to transmit to the information registration server 700 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. desirable.

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

In addition, the information registration server 700 connected to the client terminal is any one of an internet banking server, an intranet banking server, a wireless banking server, a telebanking server, or a TV banking server according to the characteristics of the client terminal and network means, or It is preferable to include a separate web server for registering the information.

The network means for connecting the client terminal and the information registration server 700 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 700, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 700) is provided.

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

In the enterprise (employee) information registration system as described above, at least one of a client terminal including at least one wired terminal or a wireless terminal used by the corporate customer, and at least connecting the client terminal and the information registration server 700. One or more wired or wireless communication networks perform a function of an information registration interface for the corporate customer to register intranet banking registration information for the corporate employee intranet banking.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the enterprise (employee) information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the information registration server 700 The wired telephone network or the wireless telephone network, which connects the mobile telephone network, performs a function of an information registration interface for registering the intranet banking registration information for the corporate employee intranet banking, or is affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 700 is The corporate customer performs a function of an information registration interface for registering intranet banking registration information for the corporate employee intranet banking.

The storage medium 730 provided on the company (employee) information registration system according to the present invention is a predetermined process by linking the corporate information and corporate employee information included in the intranet banking registration information provided from the information registration terminal And an intranet banking registration information including at least one of the corporate information and the corporate employee information stored in the storage medium 730. The intranet banking registration information is used for intranet banking.

The company information includes a company name that enables the employee to perform intranet banking in consultation with the financial institution, company-specific information (eg, business registration number, corporation registration number, etc.), company address, company It is preferable that the telephone number, the representative director information, the company homepage information, the company performance information, the company history information, and the company financial statement information are included.

Preferably, the employee information includes employee account information of an employee, and the employee account information includes employee number (or code) information of the company employee and information stored in an employee card owned by the company employee. And, the member information including the official certificate information of the corporate employee customer, the user account (ID) and password of the corporate employee registered in the company (for example, company server, etc.), the social security number information of the corporate employee, At least one employee name information, driver license number information, insurance number information, and at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the corporate staff Wireless terminal information, including biometric information and telephone numbers or terminal serial numbers for wireless terminals owned by the company's employees And, the IC chip mounted on or detached from the wireless terminal owned by the corporate employee or the customer unique information stored in the IC chip owned by the corporate employee, and the serial number or unique code of the IC card owned by the corporate employee customer It is preferable to include at least one or more information including at least one information.

According to one embodiment of the invention, the storage medium 730 is provided in the DBMS on the financial system provided on the enterprise (employee) information registration system (or associated with the enterprise (employee) information registration system). Preferably, the storage medium 730 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 730 is provided on (or associated with) the corporate (employee) information registration system, an internet banking system, or an intranet banking system, or a telebanking system, or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system or a TV banking system, whereby the present invention is not limited.

The information registration server 700 provided on the enterprise (employee) information registration system according to the present invention is a generic term for the company (employee) information registration system side component connected to the information registration terminal through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 700 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal that can connect with an intranetnet banking server on a predetermined intranet banking system, the information registration server 700 is the intranet banking. A predetermined intranet banking server provided on the system, a program provided in the intranet banking server, a predetermined server (or device) accessible to the external system of the financial system through the intranet banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the intranet banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the alien, whereby the present invention is limited It does not.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 700 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 700 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 700, the interface unit 705 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 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 700, the interface unit 705 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 7, the information registration server 700 connects a communication channel with the information registration server 700 through the interface unit 705 and then connects the communication unit 705 with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined intranet banking registration information from the information registration terminal to the information registration terminal; An information receiving unit 715 for receiving predetermined intranet banking registration information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 705, and the received intranet banking registration information. The information storage unit 725 is stored in a predetermined storage medium 730 by processing the included company information and corporate employee information included in the predetermined storage medium 730. It is characterized by.

The interface providing unit 710 connects a communication channel with the information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) intranet banking registration information and transmit it to the information registration server 700 through the network means, or extract from a predetermined database (not shown), and the interface unit In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) intranet banking registration information including at least one of the corporate information and corporate employee information based on the user interface, and inputs the input (or selected) intranet banking registration information. It transmits to the information registration server 700 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the intranet banking registration information to the information registration terminal and transmitting the information to the information registration server 700 through the network means. When the information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 715 inputs (or selects) intranet banking registration information including at least one or more corporate information and corporate employee information through the user interface through the user interface, and transmits the information through the network means. The intranet banking registration information may be received in cooperation with the unit 705, and the received intranet banking registration information is provided to the validity confirming unit 720.

The validity confirming unit 720 is characterized in that whether the intranet banking registration information received from the information registration terminal satisfies the validity for corporate employee intranet banking.

According to an embodiment of the present invention, the validity check of the intranet banking registration information includes at least one ledger information matching the intranet banking registration information on a ledger D / B on a financial system linked to the company (employee) information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the intranet banking registration information is performed by matching the corporate customer information included in the intranet banking registration information with a corporate customer ledger stored in a ledger D / B on a financial system linked to the corporate (employee) information registration system. It is preferable to include checking whether or not.

In addition, the validity check of the intranet banking registration information includes the corporate customer account ledger stored in the ledger D / B on the financial system in which the corporate customer information included in the intranet banking registration information is linked to the corporate (employee) information registration system; It is desirable to include checking that a match is found.

When the validity of the intranet banking registration information is confirmed, the information storage unit 725 stores the information on the storage medium 730 by linking and processing the company information and the company employee information included in the intranet banking registration information. If the storage medium 730 is provided in the information registration server 700 or on the network associated with the information registration server 700, the information storage unit 725 is the received intranet. It is preferable to store the information stored in the storage medium 730 by linking and processing the company information and corporate employee information included in the banking registration information, the information when the storage medium 730 is provided in the DBMS provided on the financial system, The storage unit 725 provides the corporate information and corporate employee information included in the received intranet banking registration information to the information system through an external system on the financial system. Be stored in a DBMS provided on a stem are preferred.

8 is a diagram illustrating a process of registering intranet banking registration information for corporate employee intranet banking according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a case where the information registration server 700 on the enterprise (employee) information registration system shown in FIG. 7 has a web server function to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the information registration server 700 and connects a communication channel for registering corporate information and corporate employee information according to the present invention, the corporate information and the information registration server 700 through the communication channel. When the intranet banking registration information including corporate employee information is transmitted, a predetermined storage medium 730 is linked to the corporate information and corporate employee information included in the received intranet banking registration information by the information registration server 700. The present invention relates to an embodiment of the present invention, and those skilled in the art may refer to FIG. 8. In other words, various implementation methods for registering the intranet banking registration information from the client terminal to the information registration server 700 may be inferred or modified. However, the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown by.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience, and the information registration is performed in the client terminal. The corporate information and corporate employee information transmitted to the server 700 are referred to as "intranet banking registration information" for convenience.

Referring to FIG. 8, the client terminal shown in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Connects to a predetermined communication channel for registering the intranet banking registration information by accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and requests the corporate employee to register the intranet banking registration information for intranet banking. In operation 800, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the intranet banking registration information (805), and generates (or extracts) the web through the communication channel. The page is transmitted to the terminal and output (810).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) intranet banking registration information including at least one of the corporate information and corporate employee information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the intranet banking registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) intranet banking registration information including at least one or more corporate information and corporate employee information through the information registration interface (815).

If the terminal receives (or selects) intranet banking registration information including the corporate information and corporate employee information through the information registration interface (820), the terminal receives the input (or selects) through the communication channel. Corporate information and corporate employee information are transmitted to the server (825).

According to an embodiment of the present invention, transmitting the input (or selected) company information and corporate employee information to the server through the communication channel, intranet banking registration information input (or selected) through the information registration interface. It may be made further comprising the step of transmitting to the server by digital signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the corporate information and corporate employee information through the communication channel to check the validity of the intranet banking registration information (830).

According to an exemplary embodiment of the present invention, the validity of the intranet banking registration information may be determined by decrypting the intranet banking registration information when the intranet banking registration information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decrypting the intranet banking registration information.

According to an embodiment of the present invention, the validity check of the intranet banking registration information includes at least one ledger information matching the intranet banking registration information on a ledger D / B on a financial system linked to the company (employee) information registration system. It is preferable to include checking whether is registered.

For example, the validity check of the intranet banking registration information may include: the corporate customer ledger stored in the ledger D / B on the financial system associated with the corporate (employee) information registration system of the corporate customer information included in the intranet banking registration information; It is desirable to include checking that a match is found.

In addition, the validity check of the intranet banking registration information includes the corporate customer account ledger stored in the ledger D / B on the financial system in which the corporate customer information included in the intranet banking registration information is linked to the corporate (employee) information registration system; It is desirable to include checking that a match is found.

If the validity of the intranet banking registration information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840) and corresponds to the intranet banking registration information. Do not perform the information registration procedure.

On the other hand, if the validity of the intranet banking registration information is authenticated (835), the server performs an information registration procedure corresponding to the intranet banking registration information, thereby linking the corporate information and corporate employee information to a predetermined storage medium ( 730.

According to one embodiment of the invention, the storage medium 730 is provided in the DBMS on the financial system provided on the enterprise (employee) information registration system (or associated with the enterprise (employee) information registration system). Preferably, the storage medium 730 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 730 is provided on (or associated with) the corporate (employee) information registration system, an internet banking system, or an intranet banking system, or a telebanking system, or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system or a TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (850), thereby completing the procedure of registering the intranet banking registration information transmitted from the terminal.

9 is a diagram illustrating an intranet banking system for non-visitor loan processing of a company employee using intranet banking according to an embodiment of the present invention.

In more detail, FIG. 9 is a storage medium in which corporate information and corporate employee information for intranet banking of a corporate employee are stored in a predetermined storage medium through a corporate (employee) information registration system shown in FIG. 2 or 7. When the loan application is stored in the intranet banking of the corporate employee, when the loan application company employee information is confirmed, and using the confirmed employee information, the relay of the financial transaction history of a plurality of financial institutions of the corporate employee In connection with a server (e.g., a federation association server, etc.), whether the loan history corresponding to the loan application employee information is "zero", and the difference between the total loan limit of the employee and the total loan amount of the agency Check whether the loan application amount is met and whether the total loan amount of the employee's existing loan is a collateral loan through the registered copy inquiry. If, as a result of verification, all of the above cases are satisfied, or if one or more of the above are satisfied, the intranet banking system is configured to process the loan requested by the employee, and has a general knowledge in the technical field to which the present invention belongs. If it is, the present invention can infer various implementation methods for the configuration of the intranet banking system for processing the loan according to the loan history information corresponding to the loan employee information by referring to or modifying the drawing 9, but the present invention is all inferred It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, an intranet banking system for loan processing applied by the corporate employee may include an employee terminal connected to an enterprise intranet server 900 and an intranet used by at least one corporate employee. 970), and connected to the employee terminal 970 through an intranet, provide at least one intranet service to the employee terminal 970, and provide employee information (including information including employee intranet account information) D / B. Storage medium 230 for storing the intranet banking registration information including at least one or more corporate information and corporate employee information through the intranet server 900 and the corporate (employee) information registration system shown in Figure 2 or 7 ) And when applying for loans through intranet banking of the corporate employees, In connection with the accounting server (eg, federation association server, etc.), whether or not the loan history corresponding to the loan application employee information is "zero", the difference between the total loan limit of the employee and the total loan amount of other employees Check whether the loan application amount is met, whether the total amount of the existing loan of the employee is a secured loan through a registered copy inquiry, and if the result of the check satisfies all of the above cases or at least one of the above, A banking server that handles loans requested by employees and a storage medium that is linked with a plurality of financial institutions and integrates and stores loan details for each financial institution's customers, or is connected with the intranet banking server 920. In conjunction with, a relay server (or federation association server) and the intranet banking server 920 to check the loan history information of the employees of the loan application company Including at least one Li intranet-based banking a non face-to-face financial system for processing financial transactions (e.g., loan, etc.) which is characterized in that formed.

The employee terminal 970 is connected to the intranet server 900 through an intranet, which is a dedicated computer network in a company including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, to provide at least one intranet service (eg, E-mail, electronic payment, banking, etc.) is characterized in that it comprises at least one or more.

In addition, the employee terminal 970 accesses the intranet server 900 through an intranet, which is a dedicated computer network in the company including an IEEE 802.16x based wireless communication network, to provide at least one intranet service (eg, e-mail, electronic payment, And at least one portable Internet terminal for performing banking, etc.).

In addition, the employee terminal 970 is connected to the intranet server 900 through an intranet, which is a dedicated computer network in the company including an IEEE 802.11x-based wireless communication network, at least one intranet service (eg, e-mail, electronic payment, And at least one WLAN terminal that executes banking, etc.).

According to an exemplary embodiment of the present invention, the employee terminal 970 accesses the intranet server 900, and predetermined loan application amount information for the employee financial transaction (for example, loan) from the intranet server 900. And the loan application information input user interface including at least one loan amount deposit account information and at least one loan period information.

According to the present invention, the employee terminal 970 is provided with a predetermined intranet banking module interworking with the intranet server 900 for non-face-to-face intranet banking for the employee financial transactions (eg, loans). The intranet banking module may provide a non-face-to-face intranet banking service for the employee financial transaction (eg, loan) in connection with the user interface transmitted from the intranet server 900. .

According to an exemplary embodiment of the present invention, the intranet banking module encrypts loan application information transmitted from the employee terminal 970 to the intranet banking server 920 for the predetermined financial transaction (eg, loan). Or an encryption processing function for decrypting loan application response information received from the intranet banking server 920.

In addition, the intranet banking module attaches an electronic signature to loan application information transmitted from the employee terminal 970 to the intranet banking server 920 for the financial transaction (for example, loan), or the intranet banking server. It is preferable to include an electronic signature function for confirming the electronic signature attached to the loan application response information received from the (920).

In addition, the intranet banking module may generate at least one OTP code included in loan application information transmitted from the employee terminal 970 to the intranet banking server 920 for the financial transaction (eg, loan). It is preferable to comprise a.

In addition, the intranet banking module may include an official certificate function for providing the encryption processing function or the electronic signature function, or may include a memory (eg, a memory provided in the employee terminal 970) for storing the public certificate. Or a memory provided in an IC (Integrated Circuit) chip read through a predetermined card reader provided in the employee terminal 970).

The intranet server 900 is a predetermined employee information D / B for employee authentication to provide at least one or more intranet services (eg, e-mail, electronic payment, banking, etc.) through the employee terminal 970, and And an employee certification unit 910 for authenticating the employee based on the employee account information received from the employee terminal 970 performing the intranet banking service in association with the employee information D / B.

According to an embodiment of the present invention, the employee information stored in the employee information D / B includes intranet account information (eg, intranet ID information and intranet password) registered by the employee in the intranet server 900, and the employee information. It is desirable to include at least one or more of the predetermined employee personal information.

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

According to an embodiment of the present invention, if the intranet account information including the intranet ID information and the intranet password is received from the employee terminal 970 accessing the intranet server 900 to perform intranet banking, the employee authentication unit 910 ) Compares the intranet account information with the intranet account information provided in the employee information D / B so that an employee corresponding to the intranet account information provides at least one intranet service (eg, e-mail, electronic payment, banking, etc.). It is desirable to certify that you are a valid employee.

According to the implementation method of the present invention, the employee authentication unit 910, the employee authentication process for comparing the intranet account information provided in the employee information D / B and the intranet account information received from the employee terminal 970, It is preferable to perform this when the employee terminal 970 logs in to the intranet server 900, and when the employee terminal 970 requests intranet banking of at least one or more non-face-to-face systems through the intranet server 900. It is preferable to perform the repetition in response to the intranet banking request.

In addition, the intranet server 900 may perform e-mail, electronic payment, banking, and the like through at least one or more employee terminals 970 in which the employee authentication is successful when the employee authentication through the employee authentication unit 910 succeeds. It is characterized by comprising an intranet operation unit 915 for operating to provide an intranet service containing at least one or more.

Those skilled in the art to which the present invention pertains, the intranet operation unit 915 through the at least one or more employee terminal 970 an intranet service including at least one or more e-mail, electronic payment, banking, etc. Since it will be familiar with the technical features to operate to provide a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the intranet server 900 provides a corporate employee financial transaction service (loan service, etc.) using the company information and employee information in connection with the intranet banking server 920 through a predetermined communication means. The banking operation unit 905 is provided.

The banking operation unit 905, if the employee authentication through the employee authentication unit 910 is successful, the employee account information of the employee (e.g., employee number (or code) of the employee in the employee information D / B Information, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, a user account (ID) of the corporate employee registered with the company (eg, a company server, etc.); Member information including a password, social security number information, employee name information, driver's license number information, insurance number information, fingerprint, hand shape, iris, voice, face, signature, retina of the corporate employee Biometric information including at least one or more of one or more of a vein, DNA (Deoxyribo Nucleic Acid), and a telephone number or terminal for a wireless terminal owned by the corporate employee Wireless terminal information including a serial number, an IC chip mounted on or detached from a wireless terminal owned by the corporate employee or customer-specific information owned and stored on the IC chip owned by the corporate employee, and owned by the corporate employee Information including at least one serial number or unique code information of an IC card) to check whether the user has subscribed to an intranet banking service provided by the financial system provided at a financial institution affiliated with the company. When it is confirmed that the employee subscribes to the intranet banking service, the banking operation unit 905 activates the intranet banking function through the employee terminal 970 in connection with the intranet operation unit 915. It is done.

For example, when a predetermined intranet banking icon or an intranet banking menu is provided in a predetermined user interface provided to the employee terminal 970, the banking operation unit 905 may be connected to the intranet operation unit 915 to provide the predetermined user interface. In the employee terminal 970, it is preferable to activate the intranet banking icon or the intranet banking menu.

In addition, the banking operation unit 905 is an employee authentication performed when the employee authentication through the employee authentication unit 910 is successful (for example, when logging in to the intranet server 900 from the employee terminal 970). If this is successful, or if the employee authentication performed when at least one non-face-to-face intranet banking request is successful through the employee terminal 970), the result of the employee authentication through the predetermined communication means the intranet banking server And transmits to 920.

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

According to the method of the present invention, the intranet banking server 920 is the loan request of the employee based on the employee authentication result received from the banking operation unit 905 provided in the intranet server 900, Provide loan application employee information to the relay server, request loan history information including loan history of other financial institutions of the employee, and if the loan history information of the employee is received from the relay server, the received loan history information Determining whether the loan of the employee through the through, characterized in that for processing the loan requested by the employee according to the determination result.

The intranet banking server 920 which provides the intranet banking service including the loan to the employee is connected to the banking operation unit 905 provided in the intranet server 900 through a predetermined communication means, or It is characterized in that it comprises an interface unit 930 for communicating with the intranet banking module provided in the employee terminal 970 through a predetermined network means.

The interface unit 930 may include a banking operation unit provided in the intranet server 900 through a communication means including at least one of a dedicated communication network or a secure communication network (for example, a wired or wireless communication network communicating based on an encryption / decryption function). 905 connects and manages a communication channel for receiving a predetermined employee authentication result.

Those skilled in the art to which the present invention pertains, the interface unit 930 has a communication channel for receiving a predetermined employee authentication result with the banking operation unit 905 provided in the intranet server 900 Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, when the banking operation unit 905 encrypts and transmits the employee authentication result by at least one encryption method, the interface unit 930 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted employee authentication result.

Alternatively, when the banking operation unit 905 transmits the electronic signature attached to the employee authentication result, the interface unit 930 may further include a function of checking the electronic signature attached to the employee authentication result. Do.

Alternatively, when the banking operation unit 905 includes a predetermined OTP code in the employee authentication result, the interface unit 930 further includes a function of checking the OTP code included in the employee authentication result. It is preferable to make it.

In addition, the interface unit 930 may perform at least one or more non-face-to-face financial transactions (eg, loans) requested by the employee terminal 970 from the intranet server 900 through a network means including at least one wired or wireless communication network. Receive financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information including at least one loan period information) or the financial information to the intranet server 900. It connects and manages a financial transaction channel for transmitting financial transaction response information corresponding to the transaction request information.

Those skilled in the art to which the present invention pertains, the interface unit 930 from the intranet server 900 for financial transaction request information (eg, loans, etc.) for at least one or more non-face-to-face financial transactions (eg, loans, etc.) , Loan application amount information, loan amount payment account information, and loan application information including at least one or more loan period information); or the financial information corresponding to the financial transaction request information to the intranet server 900. Since you will be familiar with the technical features of connecting and managing financial transaction channels for transmitting transaction response information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, at least one of the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information) from the employee terminal 970 through the intranet server 900. When the loan application information including the above is encrypted and transmitted using at least one encryption method, the interface unit 930 may request the encrypted financial transaction request information (eg, loan) through a decryption method corresponding to the encryption method. It is preferable to further include a function for decoding the application amount information, loan amount payment account information, loan application information, etc. comprising at least one or more loan period information.

Alternatively, the loan request made by the employee terminal 970 includes at least one or more of the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information) through the intranet server 900. When the electronic signature is attached to the information and transmitted, the interface unit 930 may include at least one financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information). It is desirable to further include a function for confirming the electronic signature attached to the loan application information, etc.).

Alternatively, a predetermined OTP code is included in the financial transaction request information (eg, loan application information including loan application amount information, loan amount deposit account information, and loan period information, etc.) in the employee terminal 970. In the case of transmission through the intranet server 900, the interface unit 930 includes at least one financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information). It is preferable to further comprise a function for checking the OTP code included in the loan application information, etc.).

According to another embodiment of the present invention, the intranet banking server 920 from the intranet server 900 to the employee terminal 970 through the financial transaction request information (eg, loan application amount information and loan amount deposit account information). And, when the financial transaction response information corresponding to the loan application information including at least one loan period information) is encrypted and transmitted by at least one encryption method, the interface unit 930 uses the predetermined encryption method. Preferably, the method further includes a function of encrypting financial transaction response information.

Alternatively, the intranet banking server 920 may transmit the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan period information) from the intranet server 900 to the employee terminal 970 through the intranet server 900. When the electronic signature is transmitted to the financial transaction response information corresponding to the loan application information including one or more), the interface unit 930 further includes a function of attaching the electronic signature to the financial transaction response information. It is preferable.

According to the present invention, the intranet banking server 920 includes an information receiver 940 for receiving a predetermined employee authentication result from the intranet server 900 through the communication means in association with the interface unit 930. Characterized in that made.

In addition, the information receiving unit 940 may be connected to the interface unit 930 by a predetermined ratio for intranet banking customer authentication for the financial transaction (eg, loan) from the employee terminal 970 through the network means. Characterized in that it receives the face-to-face financial transaction authentication information.

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

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

According to the method of the present invention, the non-face-to-face financial transaction authentication information is the financial transaction request information (eg, loan application amount information and loan amount deposit account received from the employee terminal 970 through the intranet server 900). Information, and loan application information including at least one loan period information, etc.).

In addition, the information receiving unit 940 is connected to the interface unit 930 through the network means from the employee terminal 970 financial transaction request information (eg, loan application amount information, loan amount deposit account information, And loan application information including at least one loan period information).

According to an embodiment of the present invention, the financial transaction request information (eg, loan application amount information, loan amount deposit account information, and loan application information including at least one or more loan period information) corresponds to the employee. At least one employee account information (or predetermined unique information (or unique code) assigned to identify the intranet banking customers) and at least one employee linked account information for the non-face-to-face intranet banking The financial transaction request information (eg, loan application amount information, loan amount payment account information, loan application information including at least one loan period information, etc.) is provided on the intranet provided in the employee terminal 970. The electronic signature may be attached or encrypted by the banking module.

According to one embodiment of the present invention, at least one loan application information input (or selected) through the loan application user interface includes at least one loan application amount information, loan amount payment account information, and loan period information. It can be made, including.

The intranet banking server 920 authenticates the validity of the intranet banking customer through the non-face-to-face financial transaction authentication information received from the employee terminal 970 through the information receiver 940, and confirms the banking employee information. An information confirmation unit 945 is provided.

According to the present invention, the non-face-to-face financial transaction authentication information includes predetermined financial transaction request information (eg, loan application information including at least one loan application amount information, loan amount deposit account information, and loan period information). When received (or applied) in the received, the information verification unit 945 comprises the financial transaction request information (for example, loan application amount information, loan amount payment account information, and at least one loan period information made of Including at least one financial transaction request information (eg, loan application amount information, loan amount deposit account information, loan period information) through non-face-to-face financial transaction authentication information included (or applied) in the loan application information, etc.) Confidentiality, Authentication, Integrity and Denial of Non-face-to-face Financial Transactions Responding to Loan Application Information It characterized in that to secure the support (Nonrepudiation).

When non-face-to-face financial transaction authentication information including intranet banking ID / PW information is received through the information receiving unit 940, the information verification unit 945 receives the received intranet banking ID / PW information and the storage medium. By comparing the intranet banking ID / PW information included in the employee information stored in the, the intranet banking customer validation or the financial transaction request information (for example, loan application amount information, loan amount deposit account information, And secure confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to loan application information, including at least one loan period information.

In addition, the information encrypted through the at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 970 through the information receiving unit 940. When the non-face-to-face financial transaction authentication information is included, the information verification unit 945 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. Validation of the intranet banking customer or non-corresponding to the financial transaction request information (eg, loan application information including at least one loan application amount information, loan amount deposit account information, loan period information, etc.) To secure confidentiality, authentication, integrity and non-repudiation of face-to-face financial transactions.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking customer is received through the information receiving unit 940, the information checking unit 945 receives the received information. By comparing the secured card information with the secured card information included in the customer information stored in the storage medium, the validity of the intranet banking customer, or the financial transaction request information (for example, loan application amount information and loan amount deposit) And secure the confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to the account information, loan application information including at least one loan period information).

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the intranet banking customer is received through the information receiving unit 940, the information confirming unit 945 is connected to the storage medium. By generating a predetermined OTP code based on the OTP code generation information included in the stored customer information, and comparing the generated OTP code and the received OTP code, to validate the intranet banking customer, or the financial transaction Confidentiality, Authentication, Integrity and Nonrepudiation of Non-face-to-face Financial Transactions Corresponding to Request Information (e.g., Loan Application Amount Information, Loan Amount Account Information, Loan Application Information, etc.) It is characterized in that to secure.

In addition, when the non-face-to-face financial transaction authentication information corresponding to the intranet banking customer is received through the information receiver 940, the information verification unit 945 writes the received non-face-to-face financial transaction authentication information and the storage medium. Comparing the stored employee information, characterized in that to verify the validity of the loan application company employee information.

Referring to FIG. 9, the intranet banking server 920 uses the corporate employee information validated through the information checking unit 945 to determine whether the loan is processed by the loan officer and the loan processing unit. 950 is provided.

The loan processing unit 950, when the loan application company employee information is confirmed through the information verification unit 945, in connection with the relay server, using the confirmed employee information using the loan history information of the loan application company employees It is characterized in that for determining the processing of the loan requested by the employee on the basis of the confirmed loan history information.

According to the implementation method of the present invention, the loan processing unit 950 determines that the loan requested by the employee is possible, if the loan history of the loan application employee confirmed through the relay server is zero, the loan It is characterized by allowing the employees of the applying company to process the loan applied without a visit.

In addition, according to the implementation method of the present invention, the loan processing unit 950, if the difference between the total loan limit of the employee confirmed through the relay server and the total loan amount of other institutions of the employee meets the loan application amount, It is determined that the loan requested by the employee is possible, characterized in that the loan application company employees can process the loan applied without visit.

In addition, according to the implementation method of the present invention, when the loan processing unit 950 is confirmed that the total loan amount of the existing loan of the employee through the registered copy inquiry of the employee of the loan application company, the loan requested by the employee It is characterized in that it is possible to handle the loan applied by the employees of the loan application company without a visit.

According to the exemplary embodiment of the present invention, the loan processing unit 950 satisfies all of the above cases according to the intention of the person skilled in the art or satisfies one or more of the above, and processes the non-visiting loan of the corporate employee, and If not satisfied, characterized in that the loan is made through a branch visit.

For example, if it is determined that the visitless loan of the corporate employee is not possible, the loan processing unit 950 transmits the loan application details of the corporate employee to the corresponding branch server (or terminal), and the corporate employee visits the branch. Characterized in that to handle the loan.

The loan processing unit 950 provides the loan processing details to the ledger processing unit 955 when the loan requested by the employee is processed.

Referring to FIG. 9, when the non-face-to-face financial transaction is processed by the loan processing unit 950, the system may generate ledger information corresponding to the non-face-to-face financial transaction (credit loan) through a predetermined interface means. A financial transaction including a ledger processing unit 955 stored in the ledger D / B provided in the financial system and a non-face-to-face financial transaction result (eg, loan processing result, etc.) corresponding to the financial transaction (credit loan) request information. It is characterized in that it comprises a information transmission unit 960 for generating the response information to be transmitted to the employee terminal 970 through the intranet server 900 via the interface unit 930.

When the ledger processing unit 955 requests the financial transaction (loan processing) from the loan processing unit 950, the ledger processing unit 955 corresponds to the ledger D / equipped in the financial system through a predetermined interface means. Process the requested financial transaction from B.

Referring to FIG. 9, the illustrated relay server may be provided in a bank association associated with a plurality of financial institutions, or interwork with the bank association, and when the loan request is made through the intranet banking of the corporate employee. In connection with the intranet banking server 920, characterized in that to check the loan history information corresponding to the loan application employee information.

According to an embodiment of the present invention, the relay server may be provided with a database that integrates and stores customer-specific loan history of a plurality of financial institutions, or may be linked with the database.

Referring to FIG. 9, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

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

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are linked and stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the external system of the financial system may include at least one non-face-to-face financial transaction processing function requested from the intranet banking server 920 in association with the intranet banking server 920 through the interface means. For example, it is preferable to include an intranet banking unit for performing the ledger inquiry, or ledger information storage.

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

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

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

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

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

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

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

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

Referring to FIG. 9, the financial system is connected to the intranet banking server 920, and the at least one employee terminal 970 connected to a predetermined wired / wireless communication network through the intranet banking server 920. It is desirable to provide non-face-to-face financial transaction services to at least one intranet customer (employee).

10 is a diagram illustrating an intranet member authentication process for loan application using employee information according to an embodiment of the present invention.

More specifically, FIG. 10 is a non-face-to-face banking service in connection with an employee D / B in which the employee information is stored when logging in by accessing a predetermined intranet server 900 shown in FIG. 9 from a predetermined employee terminal 970. As an employee certification process for activating the provision of information, specifically, when intranet banking subscription information (employee information registration information) for confirming whether the employee is the intranet banking customer is stored in the employee information D / B shown in FIG. It is about.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the employee certification process for non-face-to-face banking using the employee information by referring to or modifying the drawing 10. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the employee terminal 970 illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the intranet server 900 illustrated in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 10, a predetermined employee accesses a server through a predetermined terminal, inputs intranet account information of the employee, and transmits the received information to the server (1000).

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

Thereafter, the server compares the intranet account information received from the terminal and the intranet account information stored in the employee information D / B to authenticate the validity of the employee (1005).

If the validity of the employee is not authenticated through the intranet account information (for example, the intranet account information received from the terminal does not match the intranet account information stored in the employee information D / B) (1010), the server Generates and transmits a predetermined employee error result to the terminal (1015), and correspondingly, the terminal terminates without providing at least one or more intranet services (eg, e-mail, electronic payment, banking, etc.) through the terminal. do.

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, if the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) (1010), the server The employee information associated with the intranet account information is read to determine whether the customer is capable of intranet banking in connection with the employee D / B (1020).

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

If the employee is not an intranet banking customer (1025), the server is the employee authentication result (for example, information that authenticates that the employee is a valid member to receive at least one intranet service through the terminal). Generate and transmit to the terminal (1030), and correspondingly, the terminal activates at least one intranet function (e.g., e-mail, electronic payment, banking, etc.) provided by the server (1035).

On the other hand, if the employee is identified as a customer capable of intranet banking (1025), the server is the employee authentication result (eg, the employee can receive at least one intranet service through the terminal, including the intranet account information) Information to authenticate valid membership) is generated and transmitted to the intranet banking server 920 (1040), and the intranet banking server 920 stores the employee authentication result in a predetermined storage medium (1045).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 920 is the non-face-to-face banking request using at least one employee information from the terminal to the intranet banking server 920, the employee's It is preferably used as information for authenticating validity.

In addition, the employee authentication result stored in the intranet banking server 920 is at least one non-face-to-face financial transaction authentication when the non-face-to-face financial transaction request, such as account inquiry from the terminal to the intranet banking server 920 It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication process through the information.

Thereafter, the server includes the intranet banking subscription (registration) information in the employee authentication result and transmits the information to the terminal (1050), and correspondingly, the terminal provides at least one intranet function (eg, electronic) provided by the server. Mail, electronic payment, banking, etc.) and also activates the intranet banking function of the intranet function based on the intranet banking subscription information (employee information registration information) (1055).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 920 to identify the intranet banking customer.

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

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

11 is a diagram illustrating an intranet member authentication process for loan application using employee information according to another embodiment of the present invention.

In more detail, in FIG. 11, when a specific employee terminal 970 logs in to a predetermined intranet server 900 shown in FIG. 9, the employee banks through the information registration system shown in FIG. 2 or 7. For employees who registered intranet banking information that includes at least one intranet information, intranet account information, intranet linked account information, and employee information, the employee authentication process for activating to provide a non-face-to-face banking service using the employee information, In detail, the process of checking whether the employee is an intranet banking customer is performed through a storage medium provided in the intranet banking server 920 illustrated in FIG.

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

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to or modify the drawing 11 to the ledger D / B on the financial system in which the storage medium provides the employee with a non-face-to-face intranet banking service. When stored or stored in a predetermined database associated with the ledger D / B, various implementation methods for confirming whether the employee is an intranet banking customer in connection with the storage medium may be inferred. It is characterized by including all the implementation methods inferred.

Hereinafter, in FIG. 11, the employee terminal 970 illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the intranet server 900 illustrated in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 11, a predetermined employee accesses the server through a predetermined terminal, inputs intranet account information of the employee, and transmits the received information to the server (1100).

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

Thereafter, the server compares the intranet account information received from the terminal with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (1105).

If the validity of the employee is not authenticated through the intranet account information (for example, when the intranet account information input from the terminal does not match the intranet account information stored in the employee information D / B) (1110), the server Generates a predetermined employee error result and transmits the result to the terminal (1115). In response, the terminal provides at least one intranet service (eg, e-mail, electronic payment, banking, financial product information, etc.) provided by the server. Exit without providing).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, if the intranet account information input from the terminal matches the intranet account information stored in the employee information D / B) (1110), the server may The employee certification result including intranet account information (e.g., information that authenticates that the employee is a valid member who can receive at least one intranet service (e.g., e-mail, electronic payment, banking, etc.) through the terminal). It generates and transmits to the intranet banking server 920 (1120), and correspondingly, the intranet banking server 920 checks whether intranet account information matching the intranet account information is stored in the storage medium, the employee The intranet banking (financial transaction using employee information) customers are subscribed to (1125).

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

According to an embodiment of the present invention, if the intranet banking server 920 confirms that the intranet account information matching the intranet account information is stored in the storage medium, the intranet banking customer of the financial institution to which the employee is associated with the enterprise. It is desirable to make sure that you are subscribed to.

If the employee is not subscribed as an intranet banking customer (1130), the intranet banking server 920 generates intranet banking non-subscription information for the intranet account information and transmits it to the server (1135).

Thereafter, the server generates and transmits the employee authentication result (for example, information for authenticating that the employee is a valid member to be provided with at least one intranet service through the terminal) to the terminal (1140). Accordingly, the terminal activates at least one intranet function (eg, e-mail, electronic payment, banking, etc.) provided by the server (1145).

On the other hand, if the employee is registered as an intranet banking customer (1130), the intranet banking server 920 is the employee authentication result (eg, the employee is a valid member who can receive at least one intranet service through the terminal). Authentication information) is stored in a predetermined storage medium (1150), and intranet banking subscription information for the intranet account information is generated and transmitted to the server (1155).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 920 is the non-face-to-face banking request using at least one intranet from the terminal to the intranet banking server 920, the validity of the employee It is preferably used as information for authenticating the.

In addition, the employee authentication result stored in the intranet banking server 920 is a non-face-to-face financial transaction request, such as credit loan from the terminal to the intranet banking server 920, through at least one or more non-face-to-face financial transaction authentication information It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication.

Thereafter, the server includes the intranet banking subscription information in the employee authentication result and transmits it to the terminal (1160), and correspondingly, the terminal provides at least one intranet function (eg, e-mail, electronics) provided by the server. Payment, banking, etc.), and also activates the intranet banking function based on the intranet banking subscription information (1165).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 920 to identify the intranet banking customer.

According to an embodiment of the present invention, activating the intranet banking function may include selecting an intranet banking icon or an intranet banking menu when the intranet program includes a predetermined intranet banking icon or an intranet banking menu. It is preferable to include the activation so that.

12 is a diagram illustrating a non-visiting loan processing process of an enterprise employee using intranet banking according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates that corporate information and corporate employee information for intranet banking of a corporate employee are stored in a predetermined storage medium through a corporate (employee) information registration system shown in FIG. 2 or 7. When the loan application is stored through the intranet banking of the corporate employee, the loan officer checks the corporate employee information, associates with a relay server such as a federation server connected to a plurality of financial institutions, and checks the confirmed corporate employee information. By using the loan history to check the loan history information of the employee, and the process of determining and processing the loan processing according to the confirmed loan history information, if the person having ordinary knowledge in the technical field to which the present invention belongs Loan history information corresponding to the loan application employee information in the relay server by referring to or modifying this drawing 12 According to the present invention, it is possible to infer various implementation methods for the process of processing a loan, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG. .

Hereinafter, in FIG. 12, the employee terminal 970 illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the intranet banking server 920 illustrated in FIG. 9 is referred to as a “server” for convenience.

Referring to FIG. 12, when a predetermined employee is activated through intranet banking through a predetermined terminal and intranet banking is activated, and loan application information for employee loans is input (or selected) from the terminal, In step 1200, the terminal transmits the input (or selected) loan application information to the server through a network means (1205).

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

When the loan application information is transmitted from the terminal, the server receives and reads the transmitted loan application information (1210) and checks the employee information (or employee company information) included in the loan application information (1215).

The server checks the loan history information of the loan application employee using the confirmed employee information (or employee company information) in connection with the relay server shown in FIG. 9 (1220).

In operation 1225, the server determines whether the loan is processed by the employee according to the loan history information of the loan application employee.

According to the implementation method of the present invention, if the loan history of the loan application employee confirmed through the relay server is zero, it is determined that the loan requested by the employee is possible and the loan application company employee Characterized in that the loan can be processed without a visit.

In addition, according to the implementation method of the present invention, the server, if the difference between the total loan amount of the employee confirmed through the relay server and the total loan amount of the other institutions of the employee meets the loan application amount, the employee applies Determining that a loan is possible and characterized in that the loan application company employees can process the loan applied without visit.

In addition, according to the implementation method of the present invention, if the server is confirmed that the total loan amount of the existing loan of the employee through the registered copy inquiry of the employee of the loan application company, it is determined that the loan applied by the employee is possible Loan application It is characterized by allowing corporate employees to process loans applied without a visit.

According to an embodiment of the present invention, the server satisfies all of the above cases or satisfies one or more of them according to the intention of a person skilled in the art. It is characterized in that the loan is made through a branch visit.

If it is determined whether the loan is processed, it is determined that the loan processing of the loan application employee is impossible (1230), and the server transmits the loan processing impossible details information to the terminal (1235).

On the other hand, if it is determined that the loan processing is possible, if the loan processing of the loan application employee is determined to be possible (1230), the server processes the loan requested by the employee (1240), and transmits the loan processing history to the terminal. (1245).

According to the present invention, when the loan application of corporate employees using intranet banking, by determining whether the loan application company employees can handle the non-visited loan, the loan application company employees can apply for loans through intranet banking without visiting the bank directly. Has the advantage.

In addition, there is an advantage that can increase the loan application rate of corporate employees using intranet banking.

In addition, there is an advantage that can reduce the work of the teller due to the loan application.

Claims (3)

Information confirmation means for confirming loan application company employee information when applying for a corporate employee loan using intranet banking; Whether the loan history of the employee confirmed through the relay server-federation using the confirmed employee information is "zero", and the difference between the total limit of loans of the employee and the total loan amount of other employees Check whether the loan application amount is met, whether the total amount of the existing loan of the employee is a secured loan through a registered copy inquiry, and if the result of the check satisfies all of the above cases or at least one of the above, A non-visited loan processing system using intranet banking, comprising: a loan processing means for processing a non-visited loan of a company employee and making a loan through a branch visit if the above case is not satisfied. Confirming the loan application company employee information when applying for a corporate employee loan using intranet banking in the information checking means; Whether the loan history of the employee confirmed through the relay server-the federation using the confirmed employee information in the loan processing means is "zero", the total limit of the loan amount of the employee and the loan of the other institution of the employee Whether the difference with the total amount is equal to the loan application amount, and whether the total amount of the existing loan of the employee is a collateral loan through the registered copy inquiry, all of the above cases are satisfied, or one or more of them are satisfied. If not, the non-visit loan processing method using intranet banking, characterized in that it comprises the; The method of claim 2, If the loan processing means is not satisfied with the case, as a result of the check, the step of making a loan through the branch visit; non-visited loan processing method using intranet banking, characterized in that it comprises a.

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