KR20090036614A - System and method for managing gift certificate account with loan agreement and program recording medium - Google Patents

Abstract

A system and a method for managing gift certificate account with loan agreement and a program recording medium are provided to use shortage except the amount of money deposited in a gift certificate account by adding loan contract to the gift certificate account. A received gift certificate value is issued or used through a gift certificate account of a client. An approval processor(1435) processes an approval response corresponding to the gift certificate value publication or the usage authorization request. If it is impossible to issue a received certificate value because of the shortage of certificate value in the certificate account of a client, the approval processor applies for the loan execution for the insufficient gift certificate value filling. A loan processor(1437) charges the amount of money corresponding to the insufficient gift certificate value as described above on the client flowing account with the loaned money.

Description

System and Method for Managing Gift Certificate Account with Loan Agreement and Program Recording Medium}

1 is a diagram illustrating a system for establishing a face-to-face gift certificate account for processing a shortage other than the value of the gift certificate value deposited using a loan agreement when a request for a gift certificate is issued according to an exemplary embodiment of the present invention.

FIG. 2 is a view showing an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner and loan approval processing means information is provided in a DBMS on a financial system according to an embodiment of the present invention. to be.

3 is a storage medium for storing gift certificate account information and loan approval processing means information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

Figure 4 is an implementation method comprising a DBMS provided in the banking server storage medium for storing the gift certificate account information and loan approval processing means information corresponding to the gift certificate account opened in a face-to-face according to another embodiment of the present invention Figure is shown.

5A and 5B are diagrams illustrating a process of opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate when requesting a gift certificate is issued in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a process of opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate when requesting a gift certificate is issued in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are views illustrating a process of opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited by using a loan agreement when requesting issuance of a gift certificate in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for processing a shortage other than the value of the gift voucher value deposited using a loan agreement when a voucher issuing request is made according to another exemplary embodiment of the present invention.

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

10 is a ledger D / B having a storage medium for storing gift certificate account information and loan approval processing means information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention; A diagram illustrating an implementation method including an associated database.

11 illustrates a DBMS having a storage medium storing a gift certificate account information and loan approval processing means information corresponding to a gift certificate account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. A diagram illustrating the method.

12A and 12B are diagrams illustrating a process of opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate when requesting a gift certificate is issued in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the gift certificate value deposited when requesting a gift certificate is issued according to an exemplary embodiment of the present invention.

FIG. 14 is a diagram illustrating a face-to-face financial transaction system for processing by using a loan agreement a deficiency other than the value of a deposited gift certificate when requesting a gift certificate is issued according to an exemplary embodiment of the present invention.

15 is a ledger configuration corresponding to a gift certificate account provided in a financial system for a face-to-face financial transaction for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate in the request for issuance of a gift certificate according to an embodiment of the present invention. Figure is shown.

16A and 16B illustrate a process of processing a financial transaction for processing by using a loan agreement for a deficiency other than the value of a deposited gift certificate when requesting a gift certificate is issued in a face-to-face manner according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a non-face-to-face financial transaction system for processing by using a loan agreement a deficiency other than the value of a deposited gift certificate when requesting a gift certificate is issued according to the method of the present invention.

18 is a general ledger corresponding to a gift certificate account provided in a financial system for a non-face-to-face financial transaction for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate, upon request for issuance of a gift certificate according to an embodiment of the present invention. Figure is a diagram.

19A and 19B illustrate that when a gift certificate issuance request is made according to an exemplary embodiment of the present invention, a shortage other than the deposited gift certificate value is requested when a gift certificate issuance is requested in a non-face-to-face manner for processing using a loan agreement. Is a diagram illustrating a process of processing a financial transaction for processing using a loan agreement.

20A, 20B, and 20C illustrate a gift certificate that is deposited when a gift certificate issuance request is made in a non-face-to-face manner for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate when the request for issuance of a gift certificate is made according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for processing a deficiency other than value using a loan agreement.

<Description of main parts of drawing>

1400: financial company server 1405: interface unit

1410: interface providing unit 1415: information receiving unit

1420: information transmission unit 1425: validation unit

1430: deposit confirmation unit 1435: loan approval processing unit

1437: loan processing unit 1440: gift certificate issuing processing unit

1445: Store Terminal

The present invention provides a receiving means for receiving a request for issuing a gift voucher value or use authorization deposited in a customer voucher account (or account), and issuing or using the received voucher value through the voucher value (or account) of the customer. Verification means for checking whether the gift voucher value included in the request text can be issued or used, and as a result of the verification, included in the received gift voucher value issuance or use authorization request message through the customer's gift voucher account (or account). If the issued voucher value is available or available, the authorization response corresponding to the voucher value issuance or use authorization request is processed, and the result of the check results in the lack of the balance of the voucher value deposited in the customer's voucher account (or account). Issuance of a gift certificate value included in the received issuance of a gift certificate value or a request for use authorization. If this is not possible, the authorization processing means for applying for a loan to replenish the insufficient gift card value and the shortage on the customer voucher account (or account) or the customer securitization account (or account) linked to the gift certificate account (or account). Loan processing means for charging the amount corresponding to the gift certificate value to the loan amount, wherein the approval processing means, if the amount corresponding to the insufficient gift certificate value through the loan processing means is filled, the gift certificate value issuance or use approval request The present invention relates to a gift certificate account (or account) operating system in which a loan agreement is set up to process an approval response corresponding to.

The rapid development of the financial industry has provided many customers with various payment methods such as credit card payment according to product purchase.

However, these parts are convenient to purchase a variety of products, but in the case of credit cards have caused problems due to reckless use.

As an alternative to such a credit card payment, there are alternatives such as cash payment or check card payment, but there is a difficult problem of using cash directly.

In addition, in the case of a gift certificate provided to the customer, if the customer who wants to use the gift certificate, for example, if you have a gift voucher, can be used only in department store A, the inconvenience caused by the use of the gift certificate occurred.

In addition, in the case of a gift certificate provided to the customer, a large amount is not provided, if a small amount is provided, there is a problem that is difficult to be activated due to the limit of the gift certificate provided to the customer.

An object of the present invention for solving the above problems is to receive, in a server, a full request for a gift voucher value issuance or use authorization request deposited in a customer's voucher account (or account), and the server's voucher account (or account) Checking whether the gift voucher value issuance or use included in the received request for the gift voucher value issuance or use is available, and as a result of the check, the received gift voucher through the customer's gift voucher account (or account). If it is possible to issue or use the gift voucher value included in the prerequisite to issue the gift voucher value or use authorization request, the server processes the authorization response corresponding to the request for the gift voucher value issuance or use authorization, and as a result of the confirmation, the gift voucher account of the customer ( Or the issuance of the received gift voucher value due to a lack of balance of the gift voucher value deposited in If it is impossible to issue or use the gift voucher value included in the request for use approval, the server may apply for a loan execution for charging the insufficient voucher value, and if the amount corresponding to the insufficient voucher value is filled with the loan amount, The present invention provides a method for operating a gift certificate account (or an account) in which a loan agreement is set, including processing an approval response corresponding to a gift certificate value issue or use approval request.

A gift certificate account (or account) operating system in which a loan agreement is set up according to the present invention includes a receiving means for receiving a request for issuing a gift certificate value or request for use of a gift certificate value deposited in a gift certificate account (or account) of the customer, and the gift certificate account of the customer ( Or through an account) to confirm whether the gift certificate value issuance or use included in the received request for issuing the gift certificate value or the use authorization is available, and through the verification result, the gift certificate account (or account) of the customer. If it is possible to issue or use a gift certificate value included in the received gift certificate value issuance or use approval request, the approval response corresponding to the gift certificate value issue or use approval request is processed, and as a result of the confirmation, the gift certificate account of the customer The received gift voucher value due to insufficient balance of the gift voucher value deposited in the account (or account). Or an authorization processing means for applying for a loan execution for replenishing insufficient voucher value when the voucher value included in the request for use approval is not available, and the voucher account (or account) of the customer or the voucher account (or account). And loan processing means for charging the amount corresponding to the insufficient value of the gift certificate value to the customer securitization account (or account) associated with the loan amount, the approval processing means, through the loan processing means When the amount corresponding to the insufficient gift card value is filled, the approval response corresponding to the request for issuing or using the gift card value is characterized in that it is processed.

In the gift certificate account (or account) operating system with a loan agreement set forth in the present invention, the approval processing means issuing the received gift certificate value due to the lack of the balance of the gift certificate value deposited in the customer's gift certificate account (or account) Or if it is not possible to issue or use the gift voucher value included in the request for approval of use, before applying for a loan to replenish the insufficient gift voucher value, the customer's gift voucher account (or account) or the voucher account (or account) Check if the loan agreement is already set on the linked customer securitization account (or account), and if the result of the confirmation, if the loan agreement is already set, apply for a loan execution for filling the insufficient gift certificate value, and the check result If the loan agreement is not set, the client may be authorized to execute the loan. And a gong.

In the gift certificate account (or account) operating system in which the loan agreement is set according to the present invention, the loan processing means is characterized in that the property of the customer, such as a savings account, is set as collateral for the execution of the loan.

Meanwhile, a method of operating a gift certificate account (or account) in which a loan agreement is set according to the present invention may include receiving a message for issuing a gift certificate value or request for use authorization, which is deposited in a gift certificate account (or account) of a customer, at the server; Checking whether the gift voucher value issuance or use included in the received gift voucher value issuance or use authorization request text is available through the customer's voucher account (or account); and as a result of the confirmation, the gift voucher account (or Account), if it is possible to issue or use the gift certificate value included in the full text of the gift voucher value issuance or use approval request, the server processes an authorization response corresponding to the gift voucher value issuance or use approval request, and the confirmation result. Due to a lack of balance in the value of the gift voucher deposited in the customer's gift voucher account (or account). If it is not possible to issue or use the gift voucher value included in the preamble for issuing a new voucher value or requesting the use authorization, the server applies for a loan execution to replenish the insufficient voucher value and the amount corresponding to the insufficient voucher value is the loan amount. When the charge, the server comprises processing the approval response corresponding to the gift certificate value issuance or use approval request.

On the other hand, it includes a computer-readable program recording medium recording a program for executing the method of operating a gift certificate account (or account) for which the above-described loan agreement is set.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. 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.

In addition, although the present invention is shown as an implementation method for concluding a loan agreement with a loan approval processing means connected with a gift certificate account, it will be easy to infer an implementation method for concluding a loan agreement with a gift certificate account by referring to and modifying the present invention. Thereby, this invention is not limited.

In addition, although the present invention is illustrated as opening and processing a gift certificate account (or loan approval processing means), the present invention is referred to and modified to implement a gift certificate account (or liquidity account) in addition to the gift certificate account (or loan approval processing means). Since the method can be inferred, the present invention is not limited thereby.

Hereinafter, in the present invention, the securitization account is referred to as "liquidity account" for convenience.

1 is a diagram illustrating a system for establishing a face-to-face voucher account for processing a shortage other than the deposited voucher value using a loan agreement when a voucher issuing request is made according to an exemplary embodiment of the present invention.

In more detail, Figure 1 shows that a given customer fills out an application for opening a gift certificate account including at least one piece of customer information, issueable gift certificate information, and loan agreement application information and submits it to a window provided at a given financial institution. When the financial institution requests the issuance of the gift certificate based on the application information for opening the gift certificate account corresponding to the application for opening the gift certificate account, a gift certificate account for processing a shortage other than the value of the gift certificate value deposited using the loan agreement; A system configuration for establishing a linked loan approval processing means, and storing the gift certificate account, the gift certificate account information and loan approval processing means information for managing the loan approval processing means associated with the gift certificate account in a predetermined storage medium 197. As the present invention, those skilled in the art to which the present invention pertains However, when requesting to issue a gift certificate by referring to and / or modifying the drawing 1, it is possible to infer various implementation methods for constructing a gift certificate account opening system for processing a deficit other than the value of the deposited gift certificate using a loan agreement. The invention includes all the implementation methods inferred above, and is not limited 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 open a gift certificate account by referring to and / or modifying the drawing 1, and omitting the method of storing the gift certificate account application electronic document in the electronic document repository. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic document storage request electronic document is stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

Hereinafter, in response to the gift certificate account opening application and the gift certificate account opening application information created by the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for generating a predetermined gift certificate account application electronic document and storing it in a predetermined electronic document repository. Server 105 ".

Referring to FIG. 1 according to an embodiment of the present invention, when a gift certificate issuance request is made, a system for opening a gift certificate account for processing a shortfall other than the value of the gift certificate value by using a loan agreement includes at least one branch of a financial institution (or a branch). And a terminal device 100 including a window terminal provided at the terminal), wherein the terminal device 100 includes a financial company server 105 provided on the gift certificate account opening system through a predetermined financial network. And communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for processing by using a loan agreement for a deficiency other than the value of the deposited gift voucher when the issuance of the gift voucher is requested, and the financial institution branch (branch branch) When requesting issuance of the gift certificate through the window (or through the clerk), the application for opening a predetermined gift certificate account (for example, when requesting issuance of the gift certificate) A document with a form for filling in at least one item of information for processing with a loan agreement for a deficit other than the value of the gift voucher, in which case the client is required to provide a legal basis for In order to seal the seal of the customer is preferable.

Subsequently, when the customer submits the created gift certificate account opening application to the teller, the teller scans the gift certificate account opening application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal is opened. Input (or select) a gift certificate account opening application information including at least one image content obtained in response to the gift certificate account opening application form and customer information, issueable gift certificate information, and loan agreement application information written in the gift certificate account opening application form; Correspondingly, the counter terminal transmits the image contents and the gift certificate account opening application information to the financial company server 105 provided on the gift certificate account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 105 connected to the window terminal is on the predetermined financial system 190 It is preferable to include a server (for example, a ledger server, etc.) provided, wherein the financial network connecting the teller terminal and the financial company server 105 connects the communication channel between the teller terminal and the financial company server 105. It is preferable to comprise a network.

In the gift voucher account opening system as described above, an image acquiring device for acquiring image contents corresponding to the gift voucher account opening application created by the customer, the teller terminal used by the employee, the teller terminal and the financial company server 105 The connecting financial network performs a function of a financial account opening interface for registering the application information for opening a gift certificate account for processing by the customer when a request for issuance of the gift certificate is made, using a loan agreement, for a deficiency other than the value of the deposited gift certificate.

The storage medium 197 provided on the gift certificate account opening system according to the present invention includes the customer information, gift certificate account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 100. Gift certificate account information including at least one loan approval processing means connection information, at least one of customer information, loan approval processing means attribute information, loan agreement information, and gift certificate account connection information included in the application information for opening the gift certificate account. Characterized in that for storing the financial account information including at least one loan approval processing means information.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by the institution signing up as a gift certificate issuer to be issued through the gift certificate account; It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the linked financial system 190, and the like.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information (or loan agreement information) is a period of promise between the financial institution and the owner of the gift certificate account that restricts the use of the loan agreement for a gift certificate loan through the gift certificate account for a predetermined period of time (ie, year, Loan period information including month and day information), loan mortgage information corresponding to the amount to be loaned during the loan period, loan interest rate information corresponding to the interest rate for the loan, and the loan It is preferable to include at least one loanable amount information set (or requested) by the customer owning the gift certificate account through the agreement.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or loan approval processing means) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates), according to the intention and purpose of those skilled in the art, convert the deposit into another deposit, Or, if you apply for an extension of maturity, it is preferable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 190 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The loan approval processing means connection information, when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, withdraws the amount corresponding to the blank gift certificate value (or gift certificate value) issued (or used) to issue the gift certificate. A financial account for settlement processing according to (or use), at least one of an account number assigned to the financial account, the name of the account holder of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number, and the like. It is preferable to comprise as mentioned above.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set at 10%, the loan approval is 1 million won in cash corresponding to 1 million won in the gift certificate value (or used) issued from the gift certificate account. It is preferable that the withdrawal processing from the processing means.

The discount information is the loan through the adjustment of a predetermined amount to the blank gift certificate value when applying the amount corresponding to the blank gift certificate value used through the gift certificate account when using the predetermined gift certificate from the gift certificate account, the loan authorization processing means It is desirable to include a discount rate for application to the approval processing means.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, the cash with the predetermined discount rate is preferably withdrawn from the loan approval processing means.

The loan approval processing means attribute information is settled by withdrawing the amount corresponding to the value of the gift certificate that is issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account To this end, it is preferable to include at least one or more of the account number, the account holder name of the financial account, interest rate information, and the like, which are granted to the loan approval processing unit connected to the gift certificate account.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set at 10%, the loan approval is 1 million won in cash corresponding to 1 million won in the gift certificate value (or used) issued from the gift certificate account. It is preferable that the withdrawal processing from the processing means.

The premium rate information is a balance between the value of the gift certificate to be displayed in the gift certificate account and the cash deposited in the loan approval processing means, when a predetermined amount is deposited into the loan approval processing means, when applying the deposit amount to the gift certificate account It is preferred to include a premium rate for the treatment.

For example, when cash equivalent to 1 million won is deposited into the loan approval processing means, and the premium rate set in the loan approval processing means is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

According to an embodiment of the present invention, the storage medium 197 is preferably provided in a DBMS on the financial system 190 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 197 may be a ledger D / B 195 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 197 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 105 provided on the gift certificate account opening system according to the present invention is a generic term for the component of the gift certificate account opening system connected to the terminal device 100 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the financial company server 105 may be connected to the financial terminal 190 through the predetermined financial network. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 190, and / or a program provided in the external system on the financial system 190, Thereby, this invention is not limited.

According to the embodiment of the present invention, the financial company server 105 is characterized in that it comprises an interface unit 110 for connecting and managing a predetermined communication channel with the terminal device 100 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the interface unit 110 may select the window terminal and the predetermined terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 100 connects a predetermined communication channel with the financial institution server 105 through the interface unit 110, the financial institution server 105 requests the issue of the gift certificate. Acquiring image contents corresponding to the application for opening a gift certificate account created by the customer through a predetermined image acquisition device provided in the terminal device for processing a shortage other than the value of the gift certificate value deposited using the loan agreement; Create (or extract) at least one user interface for inputting (or selecting) gift certificate account opening application information corresponding to a gift certificate account opening application to the financial institution server 105 and linking with the interface unit 110. Interface providing unit 115 for providing the generated (or extracted) user interface to the terminal device 100, and the terminal device 100. ) Is entered (or selected) to send a gift certificate account opening application information corresponding to the application for opening a gift certificate account through the user interface, the gift certificate transmitted from the terminal device 100 in conjunction with the interface unit 110 The image receiving unit 120 for receiving the account opening application information and the terminal device 100 obtains the image content corresponding to the gift certificate account opening application created by the customer through a predetermined image acquisition device based on the user interface When the transmission, in connection with the interface unit 110, characterized in that it comprises an image receiving unit 125 for receiving the image content corresponding to the gift certificate account opening application.

The interface providing unit 115 connects a predetermined communication channel with the financial institution server 105 through the interface unit 110, and then requests the issuance of the gift certificate to the financial institution server 105. When requesting a user interface for processing using a loan agreement for a shortage other than the value of the gift voucher value deposited at the time, it corresponds to an application for opening a gift certificate account created by the customer through a predetermined image acquisition device provided in the terminal device 100. Generate at least one user interface for acquiring image contents, inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application, and transmitting the image content to the financial company server 105 through the financial network; And / or extract from a predetermined database (not shown), and generate the data in conjunction with the interface unit 110 (or A Department) user interface through the financial network characterized in that it provides to the terminal device 100. The

According to another embodiment of the present invention, the terminal device 100 acquires image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image acquisition device, and opens a gift certificate account corresponding to the gift certificate account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information and transmitting the information to the financial institution server 105 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the gift certificate account opening application prepared by the customer, inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application, and transmitting the same to the financial company server 105. Create (or extract) an interface to the terminal device 100 The interface providing unit 115 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus 100 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, the issueable gift certificate information, and the loan agreement application information through the user interface, and the input (or The application information for opening a gift certificate account is transmitted to the financial company server 105 through the financial network. In response thereto, the information receiving unit 120 is connected to the interface unit 110 from the terminal device 100. Characterized in that for receiving the gift certificate account opening application information transmitted.

In addition, the terminal device 100 obtains the image content corresponding to the application for opening a gift certificate account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 125 receives image contents corresponding to the gift certificate account opening application in association with the interface unit 110.

According to another exemplary embodiment of the present invention, the terminal apparatus 100 acquires image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 100 ( Alternatively, when the terminal device 100 is previously stored in a predetermined storage device, the terminal device 100 corresponds to an image corresponding to an application for opening a gift certificate account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Selecting and transmitting a content to the financial company server 105 through the financial network, in response to the image receiving unit 125 receives the image content corresponding to the gift certificate account opening application in connection with the interface unit 110. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 100 stores image content corresponding to a gift certificate account opening application written by the customer and the gift certificate account opening application information corresponding to the gift certificate account opening application through the user interface. When transmitting together, the information receiving unit 120 may receive the image content corresponding to the gift certificate account opening application and the gift certificate account opening application information together with the interface unit 110 (for example, the image receiving unit ( 125) is integrated into the information receiver 120 and operated), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 105 receives the gift certificate account opening application information transmitted from the terminal device 100 through the information receiving unit 120, the received gift certificate account opening application information is displayed. When the gift certificate issuance request, characterized in that it comprises a validity verification unit 130 to check whether the shortage other than the value of the deposited gift certificate satisfies the validity for processing using the loan agreement.

According to the method of the present invention, the validation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 195 on the financial system 190 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include a match with the account ledger stored in the ledger D / B 195 on the financial system 190 of the financial institution.

Referring to FIG. 1, the financial institution server 105 receives the image content transmitted from the terminal device 100 through the image receiving unit 125, and opens the gift certificate account through the validity checking unit 130. When the validity of the application information is authenticated, the electronic document generation unit 135 for generating a predetermined gift certificate account opening application electronic document including the received image content, and the generated gift certificate account opening application electronic document to the gift certificate account It is characterized in that it comprises an electronic document transmission unit 140 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generating unit 135 generates a gift certificate account opening application electronic document including the image content received from the terminal device 100 through the image receiving unit 125.

According to the exemplary embodiment of the present invention, the electronic document generation unit 135 requests the issuance of the gift certificate as it is an image file including the image content received from the terminal device 100 through the image receiving unit 125. City, it is desirable to treat the deficit other than the value of the gift voucher as an electronic document for the application for opening a gift certificate account for processing using the loan agreement.

Alternatively, the electronic document generation unit 135 is included in the gift certificate account opening application information received through the information receiving unit 120 in the image content received from the terminal device 100 through the image receiving unit 125. Loan a deficiency other than the value of the deposited gift certificate upon request for issuing the gift certificate for an image file corresponding to an image content including at least one of customer information, issueable gift certificate information, and loan agreement application information by watermarking. It is preferable to generate an electronic document for applying for a gift certificate account for processing using an agreement.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 100 through the image receiving unit 125. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) For example, it is desirable to generate an electronic document for application to open a gift certificate account for processing a deficit other than the value of the deposited gift certificate.

Alternatively, the electronic document generation unit 135 is included in the gift certificate account opening application information received through the information receiving unit 120 in the image content received from the terminal device 100 through the image receiving unit 125. Generate image content including at least one of customer information, issueable gift certificate information, and loan agreement application information by a watermarking method, and include a predetermined document file (eg, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT); It is advisable to create an electronic application for opening a gift voucher account for the processing of a deficit other than the value of the gift voucher. Do.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 receives the image content and the information receiving unit 120 received from the terminal device 100 through the image receiving unit 125. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the application information for opening a gift certificate account, or MHT By generating a web document file, etc.), it is preferable to generate a gift certificate account application electronic document for processing a shortage other than the value of the deposited gift certificate value by using the loan agreement when requesting the gift certificate issuance.

Alternatively, the electronic document generation unit 135 is included in the gift certificate account opening application information received through the information receiving unit 120 in the image content received from the terminal device 100 through the image receiving unit 125. Generates image content including at least one or more of customer information, issueable gift certificate information, and loan agreement application information by watermarking, and includes the generated image content and application information for opening the gift certificate account. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In the event of requesting the gift certificate, open a gift certificate account for processing the shortfall other than the value of the gift certificate. To generate an electronic document is preferred.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 135 is a technical feature of generating a gift certificate account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic voucher application electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 140 transmits and stores the gift certificate account opening request electronic document generated by the electronic document generation unit 135 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 105 on the gift voucher account opening system through a predetermined communication means, and a predetermined electronic document server 165 and an electronic document D / B 185. When provided to the outside, the electronic document transmission unit 140, the electronic document server 165 through the communication means for the application certificate opening request electronic document generated by the electronic document generation unit 135 It characterized in that the transmission to.

Here, when the electronic document server 165 and the electronic document D / B 185 is provided outside the gift certificate account opening system, the electronic document server 165 and the electronic document D / B 185 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift certificate account opening system, the electronic document transmission unit 140 generates the electronic document generation unit 135. It is possible to store a gift certificate account application electronic document in the electronic document D / B 185 corresponding to the electronic document storage on the DBMS provided in the gift certificate account opening system, thereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 140 may include electronic document related information (eg, a gift certificate account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 165. The customer information on which the application was opened, and / or financial institution information transmitting the gift certificate application electronic document, and / or the electronic document file format information, and / or the application information for opening the gift certificate account, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 105 may request that the voucher issuance request information received through the information receiving unit 120 be issued through the validity checker 130. When the validity for processing the shortage is verified using the loan agreement, the gift certificate account information is generated based on the customer information, issueable gift certificate information, and loan agreement application information included in the validity certificate application information. And an information generating unit 145 for generating liquidity account information corresponding to a liquidity account connected to the gift certificate account corresponding to the generated gift certificate account information, and a gift certificate account under the customer's name including the gift certificate account information. A gift certificate account opening unit 150 and the generated liquidity account information associated with the opened gift certificate account are included. Is characterized by comprising a liquidity account establishment unit 155 for opening and processing the liquidity account.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 130, the information generation unit 145 requests the customer information included in the gift certificate account opening application information, issueable gift certificate information, loan agreement application Generating the gift certificate account information based on the information, and generating the liquidity account information corresponding to the liquidity account connected to the gift certificate account corresponding to the generated gift certificate account information.

Herein, the gift certificate account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

In addition, the interest rate information may be differentially provided to the gift certificate account according to a blank gift certificate value or a gift certificate value, whereby the present invention is not limited thereto.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

The gift certificate account opening unit 150 generates a customer ledger including customer information included in the application information for opening a gift certificate account in connection with the financial system 190 (or matches the customer information with the customer ledger. And generating predetermined account ledger information including the gift certificate account information, and then storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, corresponding to the application information for opening the gift certificate account. It is characterized by opening a gift certificate account.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the gift certificate account opening unit 150 may be linked with the financial system 190 by the ledger D /. It is preferable to create a predetermined ledger in the B 195 that includes the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 150 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 190, to make a ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the gift certificate account information.

The liquidity account opening unit 155 checks a customer ledger matched with the customer information after the gift certificate account is opened in connection with the financial system 190 (or is matched with the gift certificate account and provided with Check the ledger), generate predetermined ledger information including the liquidity account information, generate the ledger information in the predetermined ledger associated with the customer ledger, and then link with the ledger. By storing the liquidity account information in a predetermined account ledger, the liquidity account for managing a financial transaction generated through the gift certificate account in response to the gift certificate account opening application information, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the liquidity account opening unit 155 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in B 195 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the liquidity account opening unit 155 may have a predetermined communication. To generate a predetermined ledger in the ledger D / B 195 on the other financial system 190 including liquidity account information associated with the gift certificate account information via an external system on the financial system 190 by means. It is desirable to request.

Referring to FIG. 1, the financial institution server 105 may request that the voucher issuance request information received through the information receiving unit 120 be issued through the validity checker 130. When the validity for the shortage is processed using the loan agreement, at least one of the customer information, the gift certificate account attribute information, the issueable gift certificate information, and the liquidity account connection information included in the application certificate opening application information for which the validity is verified are included. Voucher voucher information, liquidity account attribute information, loan agreement information, and voucher account information including at least one of the customer information included in the voucher account application request information, and the liquidity account information included in the predetermined storage medium 197. It is characterized by comprising an information storage unit 160 for storing.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 130, the information storage unit 160 may issue and issue the customer information and gift certificate account attribute information included in the gift certificate account opening application information. Voucher account information including at least one of voucher information and liquidity account linking information, and liquidity including at least one of customer information and liquidity account attribute information, loan agreement information, and voucher account linking information included in the voucher account application information. The account information is stored in the storage medium 197.

According to an exemplary embodiment of the present invention, when the storage medium 197 is provided in the financial company server 105 or on the network connected to the financial company server 105, the information storage unit 160 may be configured to include the storage medium 197. Gift certificate account information including at least one of the customer information included in the received gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, liquidity account linking information, and customer information included in the gift certificate account opening application information And the financial account information including at least one of liquidity account information including at least one of liquidity account attribute information, loan agreement information, and gift certificate account connection information, in the storage medium 197.

According to another exemplary embodiment of the present invention, when the storage medium 197 is provided in a DBMS provided on the financial system 190, the information storage unit 160 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan Financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided on the financial system 190 by providing the information system through an external system on the financial system 190. It is desirable to store in a DBMS.

Referring to FIG. 1, an electronic document that receives a predetermined gift certificate account opening application electronic document from the financial institution server 105 provided on the gift certificate account opening system and stores and manages the electronic document D / B 185 in a predetermined electronic document D / B. The server 165, the electronic document receiving unit 170 for receiving a predetermined gift certificate account opening request electronic document from the financial institution server 105 via a predetermined communication means, and the received gift certificate account opening request electronic document to the electronic document; An information generation unit 175 for generating predetermined electronic document management information for storing and managing in the document D / B 185, and the electronic document management information and the gift certificate account opening application electronic document in a predetermined process. Characterized in that the electronic document storage unit 180 is stored in the document D / B (185).

The electronic document receiving unit 170 may receive a request for opening a gift certificate account in the form of an image file and / or a document file from the financial institution server 105 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 170 receives the gift certificate account opening application electronic document received through the communication means for the image content received by the financial institution server 105 from the terminal device (100) It is preferable that the image file is included as it is.

Alternatively, the electronic document receiving unit 170 receives the gift certificate account opening request electronic document through the communication means, the financial institution server 105 application information for opening the gift certificate account in the image content received from the terminal device 100. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, issueable gift certificate information, loan commitment application information contained in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 170 receives the gift certificate account opening request electronic document through the communication means is the image content received by the financial institution server 105 from the terminal device (100) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document receiving unit 170 receives the gift certificate account opening request electronic document through the communication means to the image content received by the financial institution server 105 from the terminal device 100 in the gift certificate account opening application information. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in a watermarking manner, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the electronic document receiving unit 170 receives a gift certificate account opening request electronic document through the communication means the image received by the financial company server 105 from the terminal device 100 A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and application information for opening a gift certificate account; Or a web document file including MHT).

Alternatively, the electronic document receiving unit 170 receives the gift certificate account opening request electronic document through the communication means to the image content received by the financial institution server 105 from the terminal device 100 in the gift certificate account opening application information. Image content including at least one or more of the included customer information, issueable gift certificate information, and loan agreement application information in a watermarking manner, and a predetermined document file including application information for opening the gift certificate account (eg, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 175 is a predetermined electronic document unique number (or unique information) to be assigned to the gift certificate account opening request electronic document received through the electronic document receiving unit 170, and through the electronic document receiving unit 170 And generating electronic document management information including electronic document storage date and time information including a date and time at which the gift certificate account opening application electronic document was received (or a date and time at which the gift certificate account opening application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 175 opens the gift certificate account with reference to the financial institution server 105 which has transmitted the electronic certificate receiving application electronic document received through the electronic document receiving unit 170. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 170 further receives a predetermined electronic document related information from the financial company server 105, the information generating unit 175 is the received electronic Document-related information (e.g., customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening request electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the gift certificate account opening application information).

The electronic document storage unit 180 processes an electronic document management application generated through the electronic certificate receiving unit 170 and electronic document management information generated through the information generating unit 175 in a predetermined electronic document. It is characterized in that the storage in the D / B (185).

According to the exemplary embodiment of the present invention, the electronic document storage unit 180 stores the electronic certificate D / B 185 in the application for opening a gift certificate account electronic document, the financial company server 105 of the terminal device 100. It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the electronic document storage requesting electronic document storage application 180 stored in the electronic document D / B (185) application electronic document is stored in the image content received by the financial institution server 105 from the terminal device (100). It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, issueable gift certificate information, loan commitment application information included in the application information for opening the gift certificate account by watermarking. .

According to another embodiment of the present invention, the electronic document storage unit 180 is stored in the electronic document D / B (185), the electronic card storage application request electronic document is the financial company server 105 is the terminal device 100 A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the electronic document storage requesting electronic document storage application 180 stored in the electronic document D / B (185) application electronic document is stored in the image content received by the financial institution server 105 from the terminal device (100). A predetermined document file including image contents including at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information in a watermarking manner (eg, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another embodiment of the present invention, the electronic document storage unit 180 is stored in the electronic document D / B (185), the application certificate opening application electronic document is the financial company server 105 is the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 100 and the application information for opening the gift certificate account. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage unit 180 stores the electronic certificate D / B (185) in the electronic voucher account opening request electronic document is the image content received by the financial institution server 105 from the terminal device 100 Predetermined image information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information by watermarking and the application information for opening the gift certificate account. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 185 by the electronic document storage unit 180 in connection with the application for opening a gift certificate account is stored in the electronic certificate D / B. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 185 by the electronic document storage unit 180 in connection with the application for opening a gift certificate account is stored in the electronic gift certificate account. The financial institution server 105 which has transmitted the opening application electronic document preferably further includes information on the financial institution that has transmitted the gift certificate account opening application electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial company server 105, the electronic document storage unit 180 processes the connection with the gift certificate account opening application electronic document. The electronic document management information stored in the electronic document D / B 185 may include the received electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or opening the gift certificate account). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

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

In more detail, FIG. 2 illustrates a case in which the storage medium illustrated in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system 190 or the ledger D / B 200. As an information structure for an exemplary embodiment of storing the gift certificate account information or the liquidity account information in the ledger information provided in the ledger D / B 200, a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying FIG. 2, various methods of configuring information for storing the gift certificate account information or the liquidity account information in the ledger D / B 200 may be inferred. It includes a method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system 190 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 1 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (200) provided in the DBMS on the financial system 190 has at least one ledger (for example, ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

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

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

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

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

According to an embodiment of the present invention, the storage medium is the ledger D / B 200, or the present invention includes an implementation method provided in the ledger D / B 200. Referring to FIG. Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information included in the gift certificate account opening application information provided through the illustrated gift certificate account opening system, and opening the gift certificate account Financial account information including at least one of liquidity account information including at least one of customer information included in the application information, liquidity account attribute information, loan agreement information, and gift certificate account linking information, in the form of additional information added to the account ledger. Characterized in that it is stored.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 190.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and the settlement of the issued gift certificate value of one million won is performed. It is preferable that the amount of money for the settlement of the gift voucher and the settlement of the gift voucher issued (or used) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 190 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw the voucher (or voucher value) by withdrawing an amount corresponding to the blank voucher value (or voucher value) issued when the voucher issuance (or use) occurs. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

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

Figure 3 is a database linked to the ledger D / B equipped with a storage medium for storing the gift certificate account information and liquidity account information corresponding to the gift certificate account opened in a face-to-face according to another embodiment of the present invention provided in the DBMS on the financial system A diagram showing an implementation method including a.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 305 illustrated in FIG. 1 includes a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system 190. As shown in FIG. 3, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present drawing 3 and store the gift certificate account information or the liquidity account information in a predetermined database. It will be able to infer various information configuration methods to be stored in association with the B (300), but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the gift certificate account information and the liquidity account information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system 190 (for example, a financial institution). It is not easy to change the ledger D / B 300 of the DBMS due to the policy of the DBMS, or the system expansion is not easy due to the characteristics of the financial system 190). The present invention shows an implementation method of storing the gift certificate account information and the liquidity account information in association with the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 190 as in the embodiment shown in FIG. 3, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 3, the storage medium 305 includes a database associated with the ledger D / B 300 provided in the DBMS on the financial system 190. Gift certificate account information including at least one of the customer information included in the gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information, customer information included in the gift certificate account opening application information; And store the financial account information including at least one of liquidity account information including at least one of liquidity account attribute information, loan agreement information, and gift certificate account connection information, wherein the gift certificate account information or liquidity account information is stored in the ledger. The circle in the gift certificate account information or liquidity account information to be processed in conjunction with the D / B (300) Information is preferably further comprises a CIF number corresponding to the.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 190.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 190 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

4 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium for storing voucher account information and liquidity account information corresponding to a voucher account opened in a face-to-face manner according to another embodiment of the present invention is provided. Drawing.

In more detail, FIG. 4 shows that the storage medium shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS that is provided, if one of ordinary skill in the art to which the present invention pertains, a predetermined DBMS provided in at least one banking server by referring to and / or modifying the figure 4 It will be possible to infer a method for configuring information on the gift certificate account information and the liquidity account information stored in the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium includes a DBMS provided in a banking server, a predetermined DBMS included in the banking server is included in the application information for opening a gift certificate account. Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information, customer information and liquidity account attribute information, loan agreement information, included in the gift certificate account opening application information, Characterized by storing the liquidity account information including at least one gift certificate account connection information.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 190.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF) number, etc.) provided in the customer ledger provided on the financial system 190 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account to which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

5A and 5B illustrate a process of opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited by using a loan agreement when requesting a gift certificate issuance in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal in which the terminal device 100 on the gift voucher account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 105 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 190 connected to the counter terminal through the financial network, when a predetermined customer requests to issue a gift certificate, a shortage other than the value of the deposited gift certificate is used. In order to open a gift voucher account for processing, if a customer voucher account is issued and submitted, including at least one of customer information, issueable gift voucher information, and loan agreement application information, the financial institution will be face-to-face based on the application to open a gift voucher account. The present invention relates to a system configuration for opening and processing a gift certificate account. Specifically, the customer opens the gift certificate account. When a blue paper is prepared and submitted to the counter, the counter terminal acquires predetermined image contents corresponding to the application for opening a gift certificate account through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 105, and then the gift certificate account. Entering (or selecting) a gift certificate account opening application information corresponding to the opening application form and transmitting the information to the financial institution server 105, the financial institution server 105 stores at least the customer information, issueable gift certificate information, and loan agreement application information. It shows an implementation method of opening and processing the gift certificate account based on the application information opening the gift certificate account containing one or more.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 105 at the teller terminal by referring to and / or modifying the drawings 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

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

In addition, in the method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 105, but a predetermined information registration program is provided at the window terminal. When provided, the user interface may not be provided from the financial institution server 105, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 105 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer requests to issue a gift certificate, at least one of customer information, issueable gift certificate information, and loan agreement application information is included for processing a shortage other than the value of the deposited gift certificate using a loan agreement. After completing and submitting a gift certificate account opening application form, the window terminal shown in FIG. 1 issues a gift certificate corresponding to the gift certificate account opening application form by accessing the server through a predetermined financial network and connecting a predetermined communication channel. Upon request, when requesting a user interface for processing using a loan agreement for a deficiency other than the value of the gift voucher value (500), correspondingly, the server opens a gift certificate account created by the customer through a predetermined image acquisition device in the terminal. A company for acquiring predetermined image content corresponding to the application and transmitting it to the server. Generating a user interface (or extract), and 505, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (510).

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

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

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

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

If the application information for opening a gift certificate account including at least one of the customer information, issueable gift certificate information, and loan agreement application information is input (or selected) through the user interface (545), the terminal is connected to the financial network. The application information for opening the gift certificate account (or selected) is transmitted to the server (550).

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

According to the method of the present invention, the validation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 195 on the financial system 190 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include a match with the account ledger stored in the ledger D / B 195 on the financial system 190 of the financial institution.

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

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

According to an exemplary embodiment of the present invention, when the server requests the issuance of the gift certificate, the server receives an image file including the image content received from the terminal device 100 through the image receiving unit 125, in addition to the deposited gift certificate value. It is advisable to treat the shortfall in the electronic documents for the application for opening a gift certificate account for processing using the loan agreement.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. When a request for issuance of the gift certificate is issued, the image file corresponding to the image content including at least one or more information of the information and the loan agreement application information in a watermarking method, for processing the shortage other than the value of the deposited gift certificate for the loan agreement It is preferable to generate an electronic document for applying for a gift certificate account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 125. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is desirable to generate an electronic document for applying for a gift certificate account for processing a shortage of loans.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. Generating an image content including at least one of information and loan agreement application information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for applying for a gift certificate account for processing the shortfall using a loan agreement.

According to another embodiment of the present invention, the server is the image content received from the terminal device 100 through the image receiving unit 125 and the gift certificate account opening application information received through the information receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of the gift certificate.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. A predetermined document file (eg, PDF) that generates image content including at least one of information and loan agreement application information in a watermarking manner and includes the generated image content and the application information for opening a gift certificate account; (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) The electronic document for opening a gift voucher account for processing a deficit other than the value of the gift voucher Castle it is preferable to.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 185 and a predetermined electronic document server 165 linked with a server on the gift certificate account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 165 through the communication means and stores in the electronic document D / B (185).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 185, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (185).

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

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

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

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server is based on the customer information, the issueable gift certificate information, loan agreement application information included in the application information for opening the gift certificate account, the financial account Generate information (585).

Herein, the gift certificate account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

In addition, the interest rate information may be differentially provided to the gift certificate account according to the blank gift certificate value or gift certificate value, whereby the present invention is not limited.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

Thereafter, the server is linked to the financial system 190 to include the financial account information based on the customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information. Open and process a financial account (590).

The server generates a customer ledger including customer information included in the application information for opening a gift certificate account in association with the financial system 190 (or confirms a customer ledger that is matched with the customer information) and the gift certificate. Generating predetermined account ledger information including account information, and storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, thereby opening and processing the gift certificate account in response to the application information for opening the gift certificate account. It is characterized by.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the gift certificate account opening unit 150 may be linked with the financial system 190 by the ledger D /. It is preferable to create a predetermined ledger in the B 195 that includes the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 150 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 190, to make a ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the gift certificate account information.

After the voucher account is opened in connection with the financial system 190, the server checks the customer ledger matched with the customer information (or the account ledger matched with the voucher account). ), After generating predetermined account ledger information including the liquidity account information, and generating the account ledger information in a predetermined account ledger associated with the customer ledger, and then to a predetermined account ledger associated with the customer ledger By storing the liquidity account information, the liquidity account for managing the financial transaction generated through the gift certificate account in response to the application information for opening the gift certificate account, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the liquidity account opening unit 155 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in B 195 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the liquidity account opening unit 155 may have a predetermined communication. To generate a predetermined ledger in the ledger D / B 195 on the other financial system 190 including liquidity account information associated with the gift certificate account information via an external system on the financial system 190 by means. It is desirable to request.

Subsequently, the server includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information included in the gift certificate account opening application information, and the gift certificate account opening application information. In operation 595, the client generates liquidity account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information, in a predetermined storage medium 197.

According to an exemplary embodiment of the present invention, when the storage medium 197 is provided in the financial company server 105 or on the network connected to the financial company server 105, the information storage unit 160 may be configured to include the storage medium 197. Gift certificate account information including at least one of the customer information included in the received gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, liquidity account linking information, and customer information included in the gift certificate account opening application information And the financial account information including at least one of liquidity account information including at least one of liquidity account attribute information, loan agreement information, and gift certificate account connection information, in the storage medium 197.

According to another exemplary embodiment of the present invention, when the storage medium 197 is provided in a DBMS provided on the financial system 190, the information storage unit 160 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan Financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided on the financial system 190 by providing the information system through an external system on the financial system 190. It is desirable to store in a DBMS.

Thereafter, the server sets predetermined financial account opening history information (for example, the voucher account opening history, and / or a history of storing the voucher account opening application electronic document in the electronic document repository, and / or the storage medium 197). (B) storing (or extracting) details of storing the gift certificate account application information in step 599 and transmitting it to the terminal (599).

According to an embodiment of the present invention, the storage medium 197 is preferably provided in a DBMS on the financial system 190 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 197 may be a ledger D / B 195 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 197 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of opening a gift certificate account for processing a shortage other than the value of the gift voucher value deposited using a loan agreement when requesting issuance of a gift certificate in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a terminal terminal in which a terminal device 100 on the gift certificate account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 105 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 190 connected to the counter terminal through the financial network, when a predetermined customer requests to issue a gift certificate, a shortage other than the value of the deposited gift certificate is used. In order to open a gift voucher account for processing, if a customer voucher account is issued and submitted, including at least one of customer information, issueable gift voucher information, and loan agreement application information, the financial institution will be face-to-face based on the application to open a gift voucher account. The present invention relates to a system configuration for opening and processing a gift certificate account. Specifically, the customer opens the gift certificate account. After filling out an application form and submitting it to the counter, the counter terminal inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application, and transmits it to the financial institution server 105, and then obtains a predetermined image obtaining device. Obtaining predetermined image content corresponding to the gift certificate account opening application through the financial institution server 105, the financial company server 105, at least one of the customer information, issueable gift certificate information, loan agreement application information It shows an implementation method of opening and processing the gift certificate account based on the application information for opening the gift certificate account included above.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information to open the gift certificate account with the financial company server 105 at the teller terminal by referring to and / or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

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

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 105, but a predetermined information registration program is provided at the window terminal. When provided, the user interface may not be provided from the financial institution server 105, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the teller terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 105 shown in Figure 1 is referred to as "server" for convenience, and said teller terminal said The customer information, issueable gift certificate information, and loan agreement application information transmitted to the financial institution server 105 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer requests to issue a gift certificate, at least one of customer information, issueable gift certificate information, and loan agreement application information is included for processing a shortage other than the value of the deposited gift certificate using a loan agreement. After completing and submitting a gift certificate account opening application form, the window terminal shown in FIG. 1 issues a gift certificate corresponding to the gift certificate account opening application form by accessing the server through a predetermined financial network and connecting a predetermined communication channel. Upon request, when requesting a user interface for processing using a loan agreement for a deficiency other than the value of the gift voucher value (600), in response, the server corresponds to the customer information corresponding to the application for opening a gift certificate account created by the customer, and issuable gift certificates. Application information for opening a gift certificate account including at least one information and loan agreement application information. Generates (or extracts) a user interface for transmitting to the server by inputting (or selecting) (605), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (610). ).

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

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

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

According to the method of the present invention, the validation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 195 on the financial system 190 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include a match with the account ledger stored in the ledger D / B 195 on the financial system 190 of the financial institution.

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

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

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

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

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

According to an exemplary embodiment of the present invention, when the server requests the issuance of the gift certificate, the server receives an image file including the image content received from the terminal device 100 through the image receiving unit 125, in addition to the deposited gift certificate value. It is advisable to treat the shortfall in the electronic documents for the application for opening a gift certificate account for processing using the loan agreement.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. When a request for issuance of the gift certificate is issued, the image file corresponding to the image content including at least one or more information of the information and the loan agreement application information in a watermarking method, for processing the shortage other than the value of the deposited gift certificate for the loan agreement It is preferable to generate an electronic document for applying for a gift certificate account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 125. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is desirable to generate an electronic document for applying for a gift certificate account for processing a shortage of loans.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. Generating an image content including at least one of information and loan agreement application information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for applying for a gift certificate account for processing the shortfall using a loan agreement.

According to another embodiment of the present invention, the server is the image content received from the terminal device 100 through the image receiving unit 125 and the gift certificate account opening application information received through the information receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an electronic document for requesting to open a gift certificate account for processing a shortage other than the value of the gift certificate value deposited using the loan agreement when the issuance of the gift certificate is requested.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. A predetermined document file (eg, PDF) that generates image content including at least one of information and loan agreement application information in a watermarking manner and includes the generated image content and the application information for opening a gift certificate account; (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) In addition, an electronic document for requesting to open a gift voucher account for processing a deficit other than the value of the deposited gift voucher is generated. It is desirable to make it.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 185 and a predetermined electronic document server 165 linked with a server on the gift certificate account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 165 through the communication means and stores in the electronic document D / B (185).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 185, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (185).

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

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

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

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server based on the customer information, issueable gift certificate information, loan commitment application information contained in the application information for opening the gift certificate account, the financial account Generate information (685).

Here, the gift certificate account information is preferably formed by including the account number and the interest rate information corresponding to the gift certificate account opened based on the application information to open the gift certificate account, the gift certificate account or liquidity account includes a savings attribute In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

In addition, the interest rate information may be differentially provided to the gift certificate account according to a blank gift certificate value or a gift certificate value, whereby the present invention is not limited thereto.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

Thereafter, the server is linked to the financial system 190 to include the financial account information based on the customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information. Open and process a financial account (690).

The server generates a customer ledger including customer information included in the application information for opening a gift certificate account in association with the financial system 190 (or confirms a customer ledger that is matched with the customer information) and the gift certificate. Generating predetermined account ledger information including account information, and storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, thereby opening and processing the gift certificate account in response to the application information for opening the gift certificate account. It is characterized by.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the gift certificate account opening unit 150 may be linked with the financial system 190 by the ledger D /. In B 195, it is desirable to create a predetermined ledger containing the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 150 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 190, to make a ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the gift certificate account information.

After the voucher account is opened in connection with the financial system 190, the server checks the customer ledger matched with the customer information (or the account ledger matched with the voucher account). ), After generating predetermined account ledger information including the liquidity account information, and generating the account ledger information in a predetermined account ledger associated with the customer ledger, and then to a predetermined account ledger associated with the customer ledger By storing the liquidity account information, the liquidity account for managing the financial transaction generated through the gift certificate account in response to the application information for opening the gift certificate account, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the liquidity account opening unit 155 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in B 195 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the liquidity account opening unit 155 may have a predetermined communication. To generate a predetermined ledger in the ledger D / B 195 on the other financial system 190 including liquidity account information associated with the gift certificate account information via an external system on the financial system 190 by means. It is desirable to request.

Subsequently, the server includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information included in the gift certificate account opening application information, and the gift certificate account opening application information. Liquidity account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information is generated and stored in a predetermined storage medium 197 (695).

According to an exemplary embodiment of the present invention, when the storage medium 197 is provided in the financial company server 105 or on the network connected to the financial company server 105, the information storage unit 160 may be configured to include the storage medium 197. Gift certificate account information including at least one of the customer information included in the received gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, liquidity account linking information, and customer information contained in the gift certificate account opening application information. And the financial account information including at least one of liquidity account information including at least one of liquidity account attribute information, loan agreement information, and gift certificate account connection information, in the storage medium 197.

According to another exemplary embodiment of the present invention, when the storage medium 197 is provided in a DBMS provided on the financial system 190, the information storage unit 160 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan Financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided on the financial system 190 by providing the information system through an external system on the financial system 190. It is desirable to store in a DBMS.

Thereafter, the server sets predetermined financial account opening history information (for example, the voucher account opening history, and / or a history of storing the voucher account opening application electronic document in the electronic document repository, and / or the storage medium 197). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 197 is preferably provided in a DBMS on the financial system 190 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 197 may be a ledger D / B 195 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 197 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B are diagrams illustrating a process of opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited by using a loan agreement when requesting issuance of a gift certificate in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which the terminal device 100 on the gift voucher account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 105 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through the financial network, when a predetermined customer requests to issue a gift certificate, a loan commitment is made for a deficiency other than the value of the deposited gift certificate. In order to open a gift voucher account for the processing used, if you fill out and submit a gift voucher account application form including at least one of customer information, issueable gift voucher information, and loan agreement application information, the financial institution based on the application form A system configuration for opening and processing a gift certificate account in a face-to-face manner, specifically, the customer opens the gift certificate account. After filling out an application form and submitting it to the counter, the counter terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image acquisition device, and opens a gift certificate account application information corresponding to the gift certificate account opening application. After inputting (or selecting), the image contents and the gift certificate account opening application information are transmitted to the financial institution server 105, and the financial institution server 105 receives the customer information, issueable gift certificate information, and loan agreement application information. An implementation method of opening and processing the gift certificate account based on the application information opening the gift certificate account including at least one.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 105 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

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

In addition, in the method shown in FIGS. 7A and 7B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 105, but a predetermined information registration program is provided at the window terminal. When provided, the user interface may not be provided from the financial institution server 105, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 105 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, issueable gift certificate information, and loan agreement application information transmitted to the financial institution server 105 are referred to as "gift certificate account opening application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer requests to issue a gift certificate, at least one of customer information, issueable gift certificate information, and loan agreement application information is included for processing a shortage other than the value of the deposited gift certificate using a loan agreement. After completing and submitting a gift certificate account opening application form, the window terminal shown in FIG. 1 issues a gift certificate corresponding to the gift certificate account opening application form by accessing the server through a predetermined financial network and connecting a predetermined communication channel. Upon request, when requesting a user interface for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate (700), in response, the server opens a gift certificate account corresponding to the application for opening a gift certificate account created by the customer in the terminal. Enter (or select) the application information, and the gift certificate through a predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to a left-opening application to the server (705), and transmit the generated (or extracted) user interface to the terminal through the financial network. Transmit and output (710).

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

If the application information for opening a gift certificate account including at least one of the customer information, issueable gift certificate information, and loan agreement application information is input (or selected) through the user interface (720), the terminal is based on the user interface. In operation 725, image content corresponding to the gift certificate account opening application is obtained through a predetermined image obtaining apparatus.

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

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

According to the method of the present invention, the validation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 195 on the financial system 190 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include a match with the account ledger stored in the ledger D / B 195 on the financial system 190 of the financial institution.

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

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

According to an exemplary embodiment of the present invention, when the server requests the issuance of the gift certificate, the server receives an image file including the image content received from the terminal device 100 through the image receiving unit 125, in addition to the deposited gift certificate value. It is advisable to treat the shortfall in the electronic documents for the application for opening a gift certificate account for processing using the loan agreement.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. When a request for issuance of the gift certificate is issued, the image file corresponding to the image content including at least one or more information of the information and the loan agreement application information in a watermarking method, for processing the shortage other than the value of the deposited gift certificate for the loan agreement It is preferable to generate an electronic document for applying for a gift certificate account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 125. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is desirable to generate an electronic document for applying for a gift certificate account for processing a shortage of loans.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. Generating an image content including at least one of information and loan agreement application information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for applying for a gift certificate account for processing the shortfall using a loan agreement.

According to another embodiment of the present invention, the server is the image content received from the terminal device 100 through the image receiving unit 125 and the gift certificate account opening application information received through the information receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of the gift certificate.

Alternatively, the server may include customer information and issueable gift certificates included in the gift certificate account opening application information received through the information receiving unit 120 on the image content received from the terminal device 100 through the image receiving unit 125. A predetermined document file (eg, PDF) that generates image content including at least one of information and loan agreement application information in a watermarking manner and includes the generated image content and the application information for opening a gift certificate account; (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) In addition, an electronic document for requesting to open a gift voucher account for processing a deficit other than the value of the deposited gift voucher is generated. It is desirable to make it.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 185 and a predetermined electronic document server 165 linked with a server on the gift certificate account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 165 through the communication means and stores in the electronic document D / B (185).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 185, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (185).

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the gift certificate account opening application electronic document and the electronic document storage date and time information.

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

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

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server is based on the customer information, issueable gift certificate information, loan commitment application information included in the application information for opening the gift certificate account, the financial account Generate information (770).

Herein, the gift certificate account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, wherein the gift certificate account or the liquidity account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

In addition, the interest rate information may be differentially provided to the gift certificate account according to a blank gift certificate value or a gift certificate value, whereby the present invention is not limited thereto.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

Thereafter, the server is linked to the financial system 190 to include the financial account information based on the customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information. A financial account is opened and processed (775).

The server generates a customer ledger including customer information included in the application information for opening a gift certificate account in association with the financial system 190 (or confirms a customer ledger that is matched with the customer information) and the gift certificate. Generating predetermined account ledger information including account information, and storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, thereby opening and processing the gift certificate account in response to the application information for opening the gift certificate account. It is characterized by.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the gift certificate account opening unit 150 may be linked with the financial system 190 by the ledger D /. It is preferable to create a predetermined ledger in the B 195 that includes the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 150 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 190, to make a ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the gift certificate account information.

After the voucher account is opened in connection with the financial system 190, the server checks the customer ledger matched with the customer information (or the account ledger matched with the voucher account). ), After generating predetermined account ledger information including the liquidity account information, and generating the account ledger information in a predetermined account ledger associated with the customer ledger, and then to a predetermined account ledger associated with the customer ledger By storing the liquidity account information, the liquidity account for managing the financial transaction generated through the gift certificate account in response to the application information for opening the gift certificate account, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the financial company server 105 and the financial system 190 exist in the same system, the liquidity account opening unit 155 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in B 195 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the financial institution server 105 and the financial system 190 exist on another system connected through a predetermined communication means, the liquidity account opening unit 155 may have a predetermined communication. To generate a predetermined ledger in the ledger D / B 195 on the other financial system 190 including liquidity account information associated with the gift certificate account information via an external system on the financial system 190 by means. It is desirable to request.

Subsequently, the server includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information included in the gift certificate account opening application information, and the gift certificate account opening application information. In operation 780, liquidity account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information is generated and stored in a predetermined storage medium 197.

According to an exemplary embodiment of the present invention, when the storage medium 197 is provided in the financial company server 105 or on the network connected to the financial company server 105, the information storage unit 160 may be configured to include the storage medium 197. Gift certificate account information including at least one of the customer information included in the received gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, liquidity account linkage information, and the customer included in the gift certificate account opening application information Preferably, the storage medium 197 stores financial account information including at least one of liquidity account information including at least one of information, liquidity account attribute information, loan agreement information, and gift certificate account connection information.

According to another exemplary embodiment of the present invention, when the storage medium 197 is provided in a DBMS provided on the financial system 190, the information storage unit 160 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan Financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided on the financial system 190 by providing the information system through an external system on the financial system 190. It is desirable to store in a DBMS.

Thereafter, the server sets predetermined financial account opening history information (for example, the voucher account opening history, and / or a history of storing the voucher account opening application electronic document in the electronic document repository, and / or the storage medium 197). (The details of storing the gift certificate account opening application information) is generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 197 is preferably provided in a DBMS on the financial system 190 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 197 may be a ledger D / B 195 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 197 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

FIG. 8 is a diagram illustrating a non-face-to-face gift voucher account opening system for processing a shortage other than the value of the gift voucher value deposited using a loan agreement when a voucher issuance request is made according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 provides a financial institution with application information for opening a gift certificate account including at least one predetermined customer information, issueable gift certificate information, and loan agreement application information through a predetermined financial account opening interface. When the financial institution requests the issue of the gift certificate, the financial institution opens a gift certificate account for processing a deficit other than the value of the gift certificate value, using a loan agreement, and manages the gift certificate account. The present invention relates to a system configuration for storing account information and liquidity account information in a predetermined storage medium 895. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention to issue a gift certificate. Upon request, any deficit other than the value of the gift voucher deposited shall be awarded for processing using the loan agreement. Would be able to infer a variety of exemplary methods for the rights account opening system arrangement, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

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

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

Hereinafter, receiving the gift certificate account opening application information from the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. 8, the customer opens the gift certificate account, and the predetermined gift certificate corresponding thereto. A component corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository is referred to as a "gift certificate account management server 805" for convenience.

Referring to this figure 8 according to the implementation method of the present invention, when the gift certificate issuance request, a system for opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the gift certificate value, the wired terminal and / or wireless used by the customer And a terminal device 800 including at least one client terminal or the like including at least one terminal, wherein the terminal device 800 is located on the gift certificate account opening system through a predetermined network means. The communication channel is connected to the gift certificate account management server 805 provided.

According to an embodiment of the present invention, the customer connects to the gift certificate account management server 805 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. In the request for issuance of the gift certificate through at least one user interface provided by the gift certificate account management server 805, input (or select) a gift certificate account opening application information for processing a shortage other than the value of the deposited gift certificate value using a loan agreement. In this case, it is preferable to transmit from the client terminal to a gift certificate account operation server 805 provided on the gift certificate account opening system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 800 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 800 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 800 connected to an x-based mobile Internet and / or all terminal devices 800 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the gift certificate account management server 805 connected to the client terminal may be any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

The network means for connecting the client terminal and the gift certificate account management server 805 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the gift certificate account management server 805, and inputs and / or selects at least one information through the user interface to the gift certificate account management server 805. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the gift certificate account operation server 805, etc.) for transmitting to the network is provided.

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

In the system for opening a gift certificate account, the client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the gift certificate account management server 805. The communication network and / or the wireless communication network perform a function of a financial account opening interface for registering a gift certificate account opening application information for the customer using a loan agreement to process a shortfall other than the deposited gift certificate value when the customer requests to issue the gift certificate. .

According to another exemplary embodiment of the present invention, the terminal apparatus 800 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the gift certificate account opening system as described above, when the terminal device 800 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the gift certificate account are operated. The financial network connecting the server 805 has a function of a financial account opening interface for registering the application information for opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited using the loan agreement when the customer requests the gift certificate issuance. And / or when the terminal device 800 is the call terminal (not shown), connecting the call terminal (not shown) and the call terminal (not shown) to the gift certificate account operation server 805. Wired telephone network and / or wireless telephone network may be used for the processing of the gift voucher for the use of the loan agreement when the customer requests for the gift voucher. And a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 800, and / or performs a function of a financial account opening interface for registering left opening application information. In this case, a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the gift certificate account operation server 805 may be used when the customer requests to issue the gift certificate. It performs the function of the financial account opening interface for registering the application information for opening a gift certificate account for processing a shortfall other than the value of the gift certificate.

The storage medium 895 provided on the gift certificate account opening system according to the present invention includes the customer information, gift certificate account attribute information, and issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 800. Voucher account information including at least one liquidity account linking information, and at least one of voucher account information including the customer information, the liquidity account attribute information, the loan agreement information, and the voucher account linking information included in the application information for opening the voucher account. Characterized in that to store the financial account information including at least one or more.

The issueable gift certificate information includes a gift certificate type information, a gift certificate issuer information, a discount rate (or a premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 885.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is desirable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 885 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information may be applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to a blank gift certificate value used through the gift certificate account is applied to the liquidity account when a predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one or more account number, the name of the account holder of the financial account, a gift certificate account number associated with the financial account, Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

According to one embodiment of the present invention, the storage medium 895 is preferably provided in a DBMS on a financial system 885 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 895 may be ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 895 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the gift certificate account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The gift certificate account operating server 805 provided on the gift certificate account opening system according to the present invention is a generic term for the component of the gift certificate account opening system connected to the terminal device 800 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 800 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the gift certificate account management server 805 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accessible to the external world of the financial system 885 via the Internet banking system. A server (or device), a program included in the server (or device), and / or on the financial system 885 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system 885, The present invention is not limited.

According to another embodiment of the present invention, when the terminal device 800 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the gift certificate account management server 805 is the wireless banking. A predetermined server provided on the system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 885 via the wireless banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 885 accessible through the wireless banking server (and / or the server (or device)). Server or device, and / or a program provided in the external world on the financial system 885, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, when the terminal device 800 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the gift certificate account operation server 805 is the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or the financial system 885 through the telebanking system. A server (or device) that is accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system on the financial system 885, and / or a program provided in the external system on the financial system 885, whereby This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the gift certificate account management server 805 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 885 via the TV banking system. A foreign system on the financial system 885 that is a server (or device), a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 885, whereby the present invention is not limited.

According to the method of the present invention, the gift certificate account management server 805 is characterized in that it comprises an interface unit 810 for connecting and managing a predetermined communication channel with the terminal device 800 through the network means. do.

According to an embodiment of the present invention, when the terminal device 800 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 810 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 810 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the gift certificate account management server 805, the interface unit 810 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a financial automation device connected to a predetermined financial network, the interface unit 810 may perform the financial automation based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 810 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 810 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the gift certificate account management server 805, the interface unit 810 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 810 may use the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 810 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 810 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 800 connects the predetermined gift channel with the gift certificate account management server 805 through the interface unit 810, When requesting a gift certificate issuance, the terminal device 800 inputs (or selects) predetermined gift certificate account opening application information to the gift certificate account operation server 805 to process a shortfall other than the value of the deposited gift certificate. Interface providing unit 815 for generating (or extracting) at least one user interface for transmitting and providing the generated (or extracted) user interface to the terminal device 800 in association with the interface unit 810. And, when the terminal device 800 inputs (or selects) the gift certificate account opening application information through the user interface and transmits the interface unit 810. Linked to is characterized in that formed by having an information receiving unit 820 for receiving the voucher account opening request information transmitted from the terminal apparatus 800. The

The interface providing unit 815 connects a predetermined communication channel with the gift certificate account management server 805 through the interface unit 810 to the gift certificate account management server 805. In the request for issuance of a gift certificate, if a user interface for processing a shortage other than the value of the deposited gift certificate is requested using the loan agreement, the terminal device 800 inputs (or selects) predetermined application information for opening a gift certificate account and enters the network. Generate at least one or more user interfaces for transmission to the gift certificate account management server 805 via means, and / or extract from a predetermined database (not shown), and generate (or interface with) the interface unit 810 The extracted user interface is provided to the terminal device 800 through the network means.

According to an embodiment of the present invention, when the terminal device 800 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 815 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 810.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a financial automation device connected to a predetermined financial network, the interface providing unit 815 is provided by a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 810.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 815 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 810.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 815 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS based user interface) generated by the interface unit 810 in the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the terminal device 800 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 815 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 810.

According to another exemplary embodiment of the present invention, at least one or more users who input (or select) predetermined gift certificate account opening application information to the terminal device 800 and transmit the information to the gift certificate account management server 805 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined gift certificate account opening application information is generated (or extracted) to the gift certificate account operation server 805 as described above. The interface providing unit 815 provided to the terminal device 800 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 800 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information through the user interface, and the input ( Or the selected) gift certificate account opening application information to the gift certificate account management server 805 via the network means, the corresponding information receiving unit 820 is associated with the interface unit 810 in response to the terminal device ( And receiving the application information for opening the gift certificate account (800).

According to an exemplary embodiment of the present invention, the terminal device 800 may be configured in the gift certificate account management server 805 to request a gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information for opening a gift certificate account. It is preferable to transmit to the gift certificate account management server 805 through.

According to an exemplary embodiment of the present invention, the terminal device 800 may include at least one encryption method (eg, a symmetric key) for the gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. Based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, and / or the like. It is preferable to attach the signature to the gift certificate account management server 805 through the network means, and for this purpose, the terminal device 800 has at least one encryption key corresponding to the encryption method, and / Or have a predetermined certificate containing at least one encryption key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

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

Referring to FIG. 8, when the gift certificate account opening application information transmitted from the terminal device 800 is received through the information receiving unit 820, the gift certificate account management server 805 receives the received gift certificate account opening application information. When the gift certificate issuance request, characterized in that it comprises a validity check unit 825 to determine whether the shortage other than the value of the deposited gift certificate satisfies the validity for processing using the loan agreement.

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 825 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted gift certificate account application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the validity verification unit 825 checks the electronic signature attached to the gift certificate account opening application information, thereby receiving the received gift certificate account opening application information. It is desirable to authenticate validity.

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

According to an embodiment of the present invention, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined password for checking the validity of the gift certificate account opening application information, the validity confirming unit 825 compares and authenticates the received password included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received gift certificate account opening application information. Do.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 820 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the validity checking unit 825 Is to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the gift certificate account opening application information with the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the validity confirming unit 825 By comparing and verifying the received OTP code included in the gift certificate account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received gift certificate account opening application information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity confirmation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 890 on the financial system 885 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (890) on 885.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include checking whether it matches the account ledger stored in the ledger D / B 890 on the financial system 885 of the financial institution.

Referring to FIG. 8, when the validity of the gift certificate account opening application information is authenticated through the validity checking unit 825, the gift certificate account management server 805 includes a predetermined information including the received gift certificate account opening application information. An electronic document generation unit 830 for generating a gift certificate account opening application electronic document, and an electronic document transmission unit 835 for transmitting the generated gift certificate account opening application electronic document to an electronic document repository associated with the gift certificate account opening system. It is characterized by comprising.

The electronic document generating unit 830 may generate a gift certificate account opening request electronic document including the gift certificate account opening application information received from the terminal device 800 through the information receiving unit 820.

According to an exemplary embodiment of the present invention, the electronic document generator 830 stores at least customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. Word that generates at least one document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. Processor file, or a web document file including an MHT, etc.), upon request for issuance of the gift certificate, it is preferable to process a deficit other than the value of the deposited gift certificate as an electronic document for applying for a gift certificate account for processing using a loan agreement.

Alternatively, the electronic document generation unit 830 may include document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. After generating, the document content includes at least one or more information of the customer information, issueable gift certificate information, loan commitment application information included in the application information for opening the gift certificate account in a watermarking manner, and then includes the watermarking. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.), when a request for issuance of the gift certificate is issued, a gift certificate for processing a deficit other than the value of the deposited gift certificate by using the loan agreement. It is advisable to process a left application for electronic documents.

Alternatively, the electronic document generation unit 830 may include document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. When a request for issuance of the gift certificate is made, an image file including the image content generated by capturing the document content (for example, the image content generated by capturing the document content on a memory) is provided. It is preferable to process electronic documents for application to open a gift certificate account for processing using a loan agreement.

Alternatively, the electronic document generation unit 830 may include document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. Customer information, issueable gift certificate information, and loan agreement included in the application information for opening the gift certificate account in the generated image content (eg, the image content generated by capturing the document content on a memory). After including at least one or more information of the application information in a watermarking method, when a request for issuance of the gift certificate includes an image file including the image content including the watermarking, a deficiency other than the value of the deposited gift certificate is used for the loan agreement. It is preferable to process the electronic certificate of the application for opening a gift certificate account for processing.

According to another exemplary embodiment of the present invention, the electronic document generation unit 830 stores customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. Generate a document content including at least one or more, and a predetermined document file (e.g., PDF (including image content generated by capturing the document content on a memory) captured by the document content (e.g., A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). In other words, it is necessary to treat the shortfalls other than the value of the deposited gift vouchers as electronic documents for the application to open a gift voucher account for processing using the loan agreement. Preferable.

Alternatively, the electronic document generation unit 830 may include document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. Customer information, issueable gift certificate information, and loan agreement included in the application information for opening the gift certificate account in the generated image content (eg, the image content generated by capturing the document content on a memory). Generating image content including at least one or more information of the application information in a watermarking manner, and including a document file (eg, a PDF (Portable Document Format) file or an EDI file) including the image content including the watermarking. Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By creating a web page file, etc.), including, it is preferable to handle the shortfall other than the vouchers issued upon request, the deposit voucher to the value voucher account opening application for processing electronic documents with the loan agreement.

According to another exemplary embodiment of the present invention, the electronic document generation unit 830 may include customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account received through the information receiving unit 820. Generate document content including at least one, and include image content (eg, image content generated by capturing the document content on a memory) and the gift certificate account opening application information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By opening the voucher account for the processing using the loan agreement, a deficiency other than the value of the deposited voucher is requested. It is preferable to apply processing to electronic documents.

Alternatively, the electronic document generation unit 830 may include document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information received through the information receiving unit 820. Customer information, issueable gift certificate information, and loan agreement included in the application information for opening the gift certificate account in the generated image content (eg, the image content generated by capturing the document content on a memory). A document file (for example, PDF) that generates image content including at least one or more information of the application information by watermarking, and includes the watermarking image content and the application information for opening the gift certificate account. At least one format file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a word processor file, or a web document file including the MHT), processing a shortage other than the value of the deposited gift certificate as an electronic document for application for opening a gift certificate account for processing using a loan agreement. desirable.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 830, the technical characteristics of generating a gift certificate account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic voucher application electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 835 transmits and stores the gift certificate account opening request electronic document generated by the electronic document generation unit 830 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 8, the electronic document repository is connected with a gift certificate account operation server 805 on the gift certificate account opening system and a predetermined electronic document server 860 and electronic document D / B ( 880, the electronic document transmission unit 835 transmits the gift certificate account opening application electronic document generated by the electronic document generation unit 830 through the communication means. 860).

Herein, when the electronic document server 860 and the electronic document D / B 880 are provided outside the gift certificate account opening system, the electronic document server 860 and the electronic document D / B 880 are It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmission unit 835 generates the electronic document generation unit 830. The gift voucher account opening application electronic document can be stored in the electronic document D / B 880 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 835 inputs electronic document related information (eg, the gift certificate account opening application information) for generating predetermined electronic document management information in the electronic document server 860. (Optional) customer information transmitted, and / or financial institution information for transmitting the gift certificate account application electronic document, and / or electronic document file format information, and / or the gift certificate account application information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the gift certificate account operation server 805 may request that the gift certificate account opening application information received through the information receiving unit 820 issuance of the gift certificate through the validity checking unit 825. When the validity for processing the shortage other than the value is verified using the loan agreement, the gift certificate account information is based on the customer information, issueable gift certificate information, and loan agreement application information included in the validity certificate application information. And an information generation unit 840 for generating liquidity account information corresponding to the liquidity account connected with the gift certificate account corresponding to the generated gift certificate account information, and a gift certificate account under the customer's name including the gift certificate account information. A gift voucher accounting unit 845 for opening and processing the generated liquidity account information associated with the opened gift voucher account. Provided with a fluidity account opening section 850 is opened for processing a fluid containing the account is characterized in that formed.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 825, the information generating unit 840, the customer information included in the gift certificate account opening application information, issueable gift certificate information, loan application Generating the gift certificate account information based on the information, and generating the liquidity account information corresponding to the liquidity account connected to the gift certificate account corresponding to the generated gift certificate account information.

Here, the gift certificate account information is preferably formed by including the account number and the interest rate information corresponding to the gift certificate account opened based on the application information to open the gift certificate account, the gift certificate account or liquidity account includes a savings attribute In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

In addition, the interest rate information may be differentially provided to the gift certificate account according to a blank gift certificate value or a gift certificate value, whereby the present invention is not limited thereto.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

The gift certificate account opening unit 845 generates a customer ledger including customer information included in the gift certificate account opening application information in connection with the financial system 885 (or matches the customer information with the customer ledger. And generating predetermined account ledger information including the gift certificate account information, and then storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, corresponding to the application information for opening the gift certificate account. It is characterized by opening a gift certificate account.

According to an embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist in the same system, the gift certificate account opening unit 845 is led by linking with the financial system 885. It is preferable to generate a predetermined ledger in the D / B 890 including the gift certificate account information.

According to another exemplary embodiment of the present invention, when the gift certificate account operating server 805 and the financial system 885 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 845 is predetermined. Requesting the ledger D / B 890 on the other financial system 885 to generate a predetermined ledger including the gift certificate account information through an external system on the financial system 885 via a communication means of desirable.

The liquidity account opening unit 850 checks the customer ledger matched with the customer information after the voucher account is opened in connection with the financial system 885 (or is matched with the voucher account). Check the ledger), generate predetermined ledger information including the liquidity account information, generate the ledger information in the predetermined ledger associated with the customer ledger, and then link with the ledger. By storing the liquidity account information in a predetermined account ledger, the liquidity account for managing a financial transaction generated through the gift certificate account in response to the gift certificate account opening application information, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist in the same system, the liquidity account opening unit 850 may be led by linking with the financial system 885. It is desirable to create a predetermined ledger in D / B 890 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist on another system connected through a predetermined communication means, the liquidity account opening unit 850 may A predetermined ledger containing liquidity account information associated with the gift certificate account information in the ledger D / B 890 on the other financial system 885 via the external system on the financial system 885 via predetermined communication means. It is desirable to request to generate.

Referring to FIG. 8, the gift certificate account operation server 805 may store the gift certificate value when the gift certificate account opening application information received through the information receiving unit 820 is requested to issue the gift certificate through the validity verification unit 825. At least one of the customer information, the gift certificate account attribute information, the issueable gift certificate information, and the liquidity account connection information included in the application certificate opening application information for which the validity is authenticated, when the validity for the processing using the loan agreement is authenticated. The storage medium 895 includes liquid account information including at least one gift certificate account information and at least one of customer information included in the gift certificate account application information, liquidity account attribute information, loan agreement information, and gift certificate account connection information. And an information storage unit 855 stored in the storage unit.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 825, the information storage unit 855 may issue the customer information and gift certificate account attribute information included in the gift certificate account opening application information. Voucher account information including at least one of voucher information and liquidity account linking information, and liquidity including at least one of customer information and liquidity account attribute information, loan agreement information, and voucher account linking information included in the voucher account application information. The account information is stored in the storage medium 895.

According to an embodiment of the present invention, when the storage medium 895 is provided in the gift certificate account management server 805 or on the network associated with the gift certificate account management server 805, the information storage unit ( 855) includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account linking information included in the received gift certificate account opening application information, and the gift certificate account opening application information. Preferably, the storage medium 895 stores financial account information including at least one liquid account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information.

According to another exemplary embodiment of the present invention, when the storage medium 895 is provided in a DBMS provided on the financial system 885, the information storage unit 855 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of customer information, customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information, customer information and liquidity account attribute information included in the application information for opening a gift certificate account; Provide financial account information including at least one of liquidity account information including at least one loan agreement information and gift certificate account connection information to the information system through an external system on the financial system 885 and provide it on the financial system 885. It is preferable to store in the DBMS.

Referring to FIG. 8, a gift certificate account opening request electronic document is received from the gift certificate account operating server 805 provided on the gift certificate account opening system, and stored and managed in a predetermined electronic document D / B 880. The electronic document server 860 includes an electronic document receiving unit 865 for receiving a predetermined gift certificate account opening request electronic document from the gift certificate account operating server 805 through predetermined communication means, and the received gift certificate account opening request electronics. An information generation unit 870 for generating predetermined electronic document management information for storing and managing a document in the electronic document D / B 880; and the electronic document management information and the electronic document opening application electronic document And an electronic document storage unit 875 for storing in a predetermined electronic document D / B 880.

The electronic document receiving unit 865 may receive a gift certificate account opening request electronic document in the form of an image file and / or a document file from the gift certificate account operation server 805 through the communication means.

According to an exemplary embodiment of the present invention, the gift certificate account opening application electronic document received by the electronic document receiving unit 865 through the communication means is a gift certificate received from the terminal device 800 by the gift certificate account management server 805. A document file (eg, a Portable Document Format (PDF) file, or Electronic Data Interchange (EDI) file) containing document contents including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the account opening application information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, a gift certificate account opening request electronic document received by the electronic document receiving unit 865 through the communication means may be included in the gift certificate account opening request information received by the gift certificate account management server 805 from the terminal device 800. Watermarking at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information in document content including at least one of customer information, issueable gift certificate information, and loan agreement application information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, a gift certificate account opening request electronic document received by the electronic document receiving unit 865 through the communication means may be included in the gift certificate account opening request information received by the gift certificate account management server 805 from the terminal device 800. An image file including image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of customer information, issueable gift certificate information, and loan agreement application information; It is preferable to comprise.

Alternatively, a gift certificate account opening request electronic document received by the electronic document receiving unit 865 through the communication means may be included in the gift certificate account opening request information received by the gift certificate account management server 805 from the terminal device 800. Apply to open the gift certificate account in image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, issueable gift certificate information, and loan agreement application information. After including at least one or more information of the customer information, issueable gift certificate information, loan commitment application information included in the information in a watermarking (Watermarking) method, and comprises an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, a gift certificate account opening application electronic document received by the electronic document receiving unit 865 through the communication means is received from the terminal device 800 by the gift certificate account operation server 805. Image content that captures document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information (for example, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, a gift certificate account opening request electronic document received by the electronic document receiving unit 865 through the communication means may be included in the gift certificate account opening request information received by the gift certificate account management server 805 from the terminal device 800. Apply to open the gift certificate account in image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, issueable gift certificate information, and loan agreement application information. A document file including image information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the information by a watermarking method and including the watermarking. (E.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or H And a word processor file including at least one or more WP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the gift certificate account opening application electronic document received by the electronic document receiving unit 865 through the communication means is received by the gift certificate account operation server 805 from the terminal device 800. Image content (e.g., generated by capturing the document content in memory by capturing document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in an application for opening a gift certificate account). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including an image content) and application information for opening a gift certificate account. File, or a web document file including MHT).

Alternatively, a gift certificate account opening request electronic document received by the electronic document receiving unit 865 through the communication means may be included in the gift certificate account opening request information received by the gift certificate account management server 805 from the terminal device 800. Apply to open the gift certificate account in image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, issueable gift certificate information, and loan agreement application information. Create image content including at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the information by a watermarking method, and open the image content and the gift certificate account including the watermarking. Document file containing the application information (e.g. Portable Document Format (PDF) file, or E A digital data interchange (DI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 870 is a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 865, and through the electronic document receiving unit 865 And generating electronic document management information including electronic document storage date and time information including a date and time at which the gift certificate account opening application electronic document was received (or a date and time at which the gift certificate account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 870 refers to the gift certificate account operation server 805 that transmits the gift certificate account opening request electronic document received through the electronic document receiving unit 865, the gift certificate. It is preferable to confirm the financial institution that sent the account opening request electronic document, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the gift certificate account management server 805 through the electronic document receiving unit 865, the information generating unit 870 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the application information for opening a gift certificate account, and / or financial institution information for transmitting the gift certificate account opening request document, and / or electronic document file format information). And / or the gift certificate account opening application information, etc.).

The electronic document storage unit 875 associates a gift certificate account opening request electronic document received through the electronic document receiving unit 865 with electronic document management information generated through the information generating unit 870 to process a predetermined electronic document. It is characterized in that the storage in the D / B (880).

According to an exemplary embodiment of the present invention, a gift certificate account opening application electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 is the gift certificate account operation server 805 by the terminal device ( A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account received from 800; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, a gift certificate account opening request electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 may be a gift certificate account received from the terminal device 800 by the gift certificate account management server 805. At least one of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account opening application information in document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application for opening. After including one or more pieces of information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including the watermarking. Preferably a word processor file including at least one DOC, or a web document file including an MHT). .

Alternatively, a gift certificate account opening request electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 may be a gift certificate account received from the terminal device 800 by the gift certificate account management server 805. Image content captured (eg, image content generated by capturing the document content on a memory) including document information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information. It is preferable to include an image file including a.

Alternatively, a gift certificate account opening request electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 may be a gift certificate account received from the terminal device 800 by the gift certificate account management server 805. Image content captured (eg, image content generated by capturing the document content on a memory) including document information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information. An image including image content including the watermarking after including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account in a watermarking manner. It is preferable to include a file.

According to another exemplary embodiment of the present invention, a gift certificate account opening application electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 is the gift certificate account operation server 805 of the terminal device. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account received from the 800. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or a web document file including the MHT).

Alternatively, a gift certificate account opening request electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 may be a gift certificate account received from the terminal device 800 by the gift certificate account management server 805. Image content captured (eg, image content generated by capturing the document content on a memory) including document information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information. Generate image content including at least one or more information of customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account in a watermarking manner, and the image including the watermarking. A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing the content, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, a gift certificate account opening application electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 is the gift certificate account operation server 805 of the terminal. Image content (eg, the document content) which captures document content including at least one of customer information, issueable gift certificate information, and loan commitment application information included in the gift certificate account opening application information received from the device 800. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content captured and generated on a memory and application information for opening a gift certificate account. And at least one word processor file or web document file including MHT).

Alternatively, a gift certificate account opening request electronic document stored in the electronic document D / B 880 by the electronic document storage unit 875 may be a gift certificate account received from the terminal device 800 by the gift certificate account management server 805. Image content captured (eg, image content generated by capturing the document content on a memory) including document information including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the application information. Generate image content including at least one or more information of customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account in a watermarking manner, and the image including the watermarking. A document file (eg, a Portable Document Format (PDF) file) containing contents and application information for opening the gift certificate account; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 880 by the electronic document storage unit 875 in association with the application for opening a gift certificate account is stored in the electronic certificate D / B. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 880 by processing the electronic document storage unit 875 in association with the electronic document opening request electronic document is the gift certificate account. It is preferable that the present invention further includes information on the financial institution that has transmitted the gift certificate account opening request electronic document identified with reference to the gift certificate account management server 805 which has transmitted the opening application electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the gift certificate account management server 805, the electronic document storage unit 875 processes the connection with the electronic certificate opening application electronic document. The electronic document management information stored in the electronic document D / B 880 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the application information for opening a gift certificate account) and / or the Financial institution information for transmitting a gift certificate account opening request electronic document, and / or electronic document file format information, and / or the gift certificate account opening request information, etc.).

FIG. 9 illustrates an implementation method in which a storage medium for storing gift certificate account information and liquidity account information corresponding to a gift certificate account opened in a non-face-to-face manner is provided in a DBMS on a financial system.

In more detail, in FIG. 9, when the storage medium illustrated in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system 885 or the ledger D / B 900 is provided, As the information structure for an embodiment of the method for storing the gift certificate account information and the liquidity account information in the ledger information provided in the ledger D / B (900), if the person having ordinary knowledge in the technical field to which the present invention belongs 9 may be inferred from various information construction methods for storing the gift certificate account information and the liquidity account information in the ledger D / B 900 by referring to and / or modifying the present invention. It includes a method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 900 provided in the DBMS on the financial system 885 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If you have, the ledger D / B (900) provided in the DBMS on the financial system (885) has at least one ledger (for example, ledger, loan ledger, collateral, in addition to the customer ledger and account ledger shown in Figure 9) Ledger, ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

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

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

According to an exemplary embodiment of the present invention, the storage medium may be the ledger D / B 900, or includes an implementation method provided in the ledger D / B 900. Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information included in the gift certificate account opening application information provided through the illustrated gift certificate account opening system, and opening the gift certificate account Financial account information including at least one of liquidity account information including at least one of customer information included in the application information, liquidity account attribute information, loan agreement information, and gift certificate account linking information, in the form of additional information added to the account ledger. Characterized in that it is stored.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 885.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan voucher information to include, loan mortgage information corresponding to the amount to be loaned during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, the gift certificate through the loan agreement It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning the account.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). By registering as a trading customer, the member ID information or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 885 associated with the gift voucher account opening system in response to the customer, It is preferable to comprise at least one or more.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

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

10 is a storage medium for storing gift certificate account information and liquidity account information corresponding to a gift certificate account opened in a non-face-to-face manner in accordance with another embodiment of the present invention is linked to the ledger D / B provided in the DBMS on the financial system A diagram illustrating an implementation method including a database.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 1005 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 1000 provided in the DBMS on the financial system 885. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to store the gift certificate account information and the liquidity account information in a predetermined database. It is possible to infer various information configuration methods to be stored in association with the B (1000), but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the gift certificate account information and the liquidity account information in the ledger information of the ledger D / B 1000 on the DBMS provided on the financial system 885, for example, a financial institution It is not easy to change the ledger D / B 1000 of the DBMS in accordance with the policy of the DBMS, or the system expansion is not easy due to the characteristics of the financial system 885. The embodiment of the present invention stores the gift certificate account information and the liquidity account information, and stores the database and the ledger D / B 1000 in association with each other.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on the financial system 885 as in the embodiment shown in FIG. 10, and according to the intention of the person skilled in the art, the database on the Internet banking system; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 10, the storage medium 1005 includes a database associated with the ledger D / B 1000 provided in a DBMS on a financial system 885. Gift certificate account information including at least one of the customer information included in the gift certificate account application information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information, customer information included in the gift certificate account opening application information; And store the financial account information including at least one of liquidity account information including at least one of liquidity account attribute information, loan agreement information, and gift certificate account connection information, wherein the gift certificate account information or liquidity account information is stored in the ledger. The gift certificate account information or the liquidity account information to be processed in conjunction with the D / B (1000) It is preferable to further include a CIF number corresponding to the ledger information.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 885.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and the settlement of the issued gift certificate value of one million won is performed. It is preferable that the amount of money for the settlement of the gift voucher and the settlement of the gift voucher issued (or used) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 885 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw the voucher (or voucher value) by withdrawing an amount corresponding to the blank voucher value (or voucher value) issued when the voucher issuance (or use) occurs. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

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

In more detail, FIG. 11 shows a storage medium shown in FIG. 8 in which a banking server provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS is provided, if one of ordinary skill in the art to which the present invention pertains, predetermined and provided with at least one banking server by referring to and / or modified in this figure It is possible to infer a method of configuring information on the gift certificate account information and the liquidity account information stored in the DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server is included in the application information for opening a gift certificate account. Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information, customer information and liquidity account attribute information, loan agreement information, included in the gift certificate account opening application information, Characterized in that it stores the liquidity account information including at least one gift certificate account connection information.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 885.

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and the settlement of the issued (or used) gift certificate value of one million won is performed. It is preferable that the amount of money for the settlement of the gift voucher and the settlement of the gift voucher issued (or used) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

Also, the loan guarantee information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, and when the type set as the loan security is a demand deposit such as a savings deposit, when the demand deposit expires (or terminates), the gift certificate It is preferable to set the loan to be repaid first in the account (or the liquidity account), and, according to the intention and purpose of the person skilled in the art, when the demand deposit expires (or terminates), convert the deposit to another deposit, or If you apply for an extension of maturity, it is advisable not to proceed with the repayment process.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 885 associated with the gift certificate account opening system in response to the customer. It is preferable to comprise as mentioned above.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

12A and 12B illustrate a process of opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited using a loan agreement when a gift certificate issuance request is made in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B show that the terminal device 800 on the gift certificate account opening system shown in FIG. 8 is a client terminal, and the gift certificate account management server 805 is connected to a client terminal through a predetermined network means. In the case of having an accessible web server function, when a predetermined customer requests to issue a voucher, the customer information through the client terminal to open a voucher account for processing a deficit other than the deposited voucher value using the loan agreement, When a gift certificate account opening application information including at least one issueable gift certificate information and loan agreement application information is provided, the gift certificate including at least one of the customer information, issueable gift certificate information, and loan agreement application information in the gift certificate account opening system. Deposit when requesting issuance of the gift certificate based on the account opening application information The present invention relates to a method for opening and processing a gift certificate account for processing a deficit other than the value of a gift certificate value, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIGS. 12a and 12b. And / or modified to infer various implementation methods for registering the gift certificate account opening application information from the client terminal to the gift certificate account management server 805, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG. 12A and FIG. 12B.

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

12A and 12B further illustrate that a web page provided by the gift certificate account operation server 805 provides a user interface for the client terminal to input (or select) the gift certificate account application information. Although described as being provided through, but the predetermined information registration program is provided in the client terminal, the user interface may not be provided from the gift certificate account management server 805, whereby the present invention is not limited. .

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the gift certificate account operating server 805 shown in FIG. 8 is referred to as " server " The customer information, issueable gift certificate information, and loan commitment application information transmitted to the gift certificate account management server 805 are referred to as "gift certificate account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and the gift certificate. In the request for issuance, if a request for a web page including a user interface for processing a loan using a loan commitment other than the value of the gift voucher value is deposited (1200), correspondingly, the server requests the customer information, issueable gift certificate information, and loan. User interface for inputting (or selecting) the application information for opening a gift certificate account including at least one agreement application information and transmitting the same to the server. Generating a web page containing the switch (or extract), and 1205, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 1210.

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

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

If the terminal receives (or selects) a gift certificate account opening application information including the customer information, issueable gift certificate information, and loan agreement application information (1220) through the user interface, the terminal receives the communication channel through the communication channel. Input (or selected) customer information, issueable gift certificate information, loan commitment application information is transmitted to the server (1225).

According to an embodiment of the present invention, the terminal confirms the validity of the gift certificate account opening application information on the server in the gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. It is preferable to further include at least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means. .

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for opening a gift certificate account application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the gift certificate account application information. It is preferable to transmit to the server through a network means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key. Or / or the official certificate is provided on a predetermined IC chip (or IC card). In this case, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for opening a gift certificate account application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmits the encrypted data to the server through the network means. Have at least one encryption key corresponding to the encryption scheme, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card) If provided in the card reader for checking the official certificate provided in the IC chip (or IC card) Is provided is preferable.

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

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

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

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

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

According to an embodiment of the present invention, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined password for confirming the validity of the gift certificate account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

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

Alternatively, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity confirmation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 890 on the financial system 885 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (890) on 885.

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include checking whether it matches the account ledger stored in the ledger D / B 890 on the financial system 885 of the financial institution.

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

On the other hand, if the validity of the gift certificate account application information is authenticated (1235), the server is a predetermined document including at least one or more customer information, issueable gift certificate information, loan commitment application information including the gift certificate account opening application information Generates a content (1245), and generates a predetermined gift certificate account application electronic document containing the document content (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and the document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) In the request for issuance of the gift certificate, it is preferable to process a shortage other than the value of the deposited gift certificate as an electronic document for the application for opening a gift certificate account for processing using a loan agreement.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and the application information for opening the gift certificate account in the document content. After including at least one or more information of the customer information, issueable gift certificate information, loan commitment application information contained in the watermarking method (Watermarking), a document file containing the document content including the watermarking (eg, PDF ( A gift voucher deposited upon request for issuing the voucher for a portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) Treating shortfalls other than value as electronic voucher application for opening a gift certificate account for processing using a loan agreement It is preferred.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Electronic document for requesting to open a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the gift certificate value deposited when an image file including content (eg, image content generated by capturing the document content on a memory) is requested. It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information to content (for example, image content generated by capturing the document content on a memory). And the image file including the image contents including the watermarking, when the gift certificate issuance request is processed, a shortage other than the value of the deposited gift certificate value is processed as an electronic document for application for opening a gift certificate account for processing using a loan agreement. It is preferable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including image content (e.g., image content generated by capturing the document content on a memory). File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, when a request for issuance of the gift certificate is made, a shortage other than the value of the deposited gift certificate is processed using the loan agreement. It is advisable to process electronic vouchers for gift voucher accounts.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information into content (for example, image content generated by capturing the document content on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generate a word processor file including at least one, or a web document file including MHT) As it is desirable to handle the shortfall other than the vouchers issued upon request, the deposit voucher to the value voucher account opening application for processing electronic documents with the loan agreement.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and document voucher account opening application information. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is advisable to treat the shortfall in the electronic documents for the application for opening a gift certificate account for the processing using the loan agreement. Do.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information into content (eg, image content generated by capturing the document content on a memory). Generating an image content including the image content, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the application information for opening the gift certificate account, Or a word processor file including at least one of HWP / DOC, etc., or MHT. By generating a web document file, etc.), it is preferable to process a shortfall other than the value of the deposited gift certificate as an electronic document for application for opening a gift certificate account for processing using a loan agreement when the gift certificate issuance request is made.

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

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

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 860 and an electronic document D / B 880 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 860 via the communication means and stores in the electronic document D / B (880).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 880, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (880).

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

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

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

If the electronic document storage application electronic document is stored in the electronic document storage (1260), the server is based on the customer information, issueable gift certificate information, loan agreement application information contained in the application information for opening the gift certificate account, the financial account Generate information (1265).

Here, the gift certificate account information is preferably formed by including the account number and the interest rate information corresponding to the gift certificate account opened based on the application information to open the gift certificate account, the gift certificate account or liquidity account includes a savings attribute In this case, it is preferable that the predetermined subscription period, payment date and time, and payment amount information further included.

In addition, the interest rate information may be differentially provided to the gift certificate account according to a blank gift certificate value or a gift certificate value, whereby the present invention is not limited thereto.

In addition, the gift certificate account information may include a loan agreement corresponding to the loan agreement application information corresponding to the application information for opening the gift certificate account, thereby the present invention is not limited.

The liquidity account information may include an account number corresponding to a liquidity account linked to the gift certificate account and interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account. In the case where the value includes the savings attribute, it is preferable to further include a predetermined subscription institution, payment date and payment amount information.

In addition, the interest rate information may be differentially provided according to the amount of cash deposited in the liquidity account, whereby the present invention is not limited.

In addition, the liquidity account information may include a loan agreement corresponding to the loan agreement application information corresponding to the gift certificate account opening application information, whereby the present invention is not limited.

Thereafter, the server is linked to the financial system 885 to include the financial account information based on the customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account. Open and process a financial account (1270).

The server generates a customer ledger including customer information included in the application information for opening a gift certificate account in connection with the financial system 885 (or confirms a customer ledger that is matched with the customer information) and the gift certificate. Generating predetermined account ledger information including account information, and storing the gift certificate account information in a predetermined account ledger associated with the customer ledger, thereby opening and processing the gift certificate account in response to the application information for opening the gift certificate account. It is characterized by.

According to an embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist in the same system, the gift certificate account opening unit 845 is led by linking with the financial system 885. It is preferable to generate a predetermined ledger in the D / B 890 including the gift certificate account information.

According to another exemplary embodiment of the present invention, when the gift certificate account operating server 805 and the financial system 885 exist on another system connected through a predetermined communication means, the gift certificate account opening unit 845 is predetermined. It is preferable to request the ledger D / B 890 on the other financial system 885 to generate a predetermined ledger including the gift certificate account information through an external system on the financial system 885 through a communication means of Do.

After the gift certificate account is opened in connection with the financial system 885, the server checks the customer ledger that is matched with the customer information and / or checks the account ledger that is matched with the gift certificate account. ), After generating predetermined account ledger information including the liquidity account information, and generating the account ledger information in a predetermined account ledger associated with the customer ledger, and then to a predetermined account ledger associated with the customer ledger By storing the liquidity account information, the liquidity account for managing the financial transaction generated through the gift certificate account in response to the application information for opening the gift certificate account, characterized in that the opening process.

According to an exemplary embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist in the same system, the liquidity account opening unit 850 may be led by linking with the financial system 885. It is desirable to create a predetermined ledger in D / B 890 that includes liquidity account information associated with the gift certificate account information.

According to another exemplary embodiment of the present invention, when the gift certificate account management server 805 and the financial system 885 exist on another system connected through a predetermined communication means, the liquidity account opening unit 850 is predetermined. A predetermined ledger including liquidity account information associated with the gift certificate account information to the ledger D / B 890 on the other financial system 885 via the external system on the financial system 885 via a communication means of It is desirable to request to create.

Subsequently, the server includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information included in the gift certificate account opening application information, and the gift certificate account opening application information. In operation 1275, liquidity account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information is generated and stored in a predetermined storage medium 895.

According to an embodiment of the present invention, when the storage medium 895 is provided in the gift certificate account management server 805 or on the network associated with the gift certificate account management server 805, the information storage unit ( 855) includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account linking information included in the received gift certificate account opening application information, and the gift certificate account opening application information. Preferably, the storage medium 895 stores financial account information including at least one liquid account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information.

According to another exemplary embodiment of the present invention, when the storage medium 895 is provided in a DBMS provided on the financial system 885, the information storage unit 855 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan The financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided to the information system through an external system on the financial system 885 and provided on the financial system 885. It is desirable to store in a DBMS.

Thereafter, the server sets predetermined financial account opening history information (eg, the voucher account opening history, and / or a history of storing the voucher account opening application electronic document in the electronic document repository, and / or the storage medium 895). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 895 is preferably provided in a DBMS on a financial system 885 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 895 may be ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 895 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the gift certificate account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process of opening a gift certificate account for processing a shortage other than the value of the gift certificate value deposited using a loan agreement when a gift certificate issuance request is made according to one embodiment of the present invention.

More specifically, FIGS. 13A, 13B, and 13C illustrate a case in which the system for opening a gift certificate account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, opening a gift certificate account shown in FIG. 8). In the case where the gift certificate account management server 805 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and performs a predetermined customer authentication procedure. After performing, the client terminal transmits a predetermined gift certificate account opening application information to the Internet banking server in order to open a gift certificate account for processing a loan using a loan agreement when a shortage other than the deposited gift certificate value is requested. In the Internet banking server, write down the customer information, issueable gift certificate information, loan agreement application information The present invention relates to a method for opening and processing a gift certificate account for processing by using a loan commitment when a request for issuing the gift certificate is requested based on the application information for opening a gift certificate account including one or more. Those skilled in the art may refer to and / or modify the drawings 13a, 13b, and 13c to implement various methods of registering the application information for opening a gift certificate account through another type of non-face-to-face financial transaction channel. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 13A, 13B, and 13C.

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

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-facing channel-based financial transaction channel for registering a gift certificate account registration information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention This is not limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

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

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the gift certificate account operating server 805 is referred to as " server "

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

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

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

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

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

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

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

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

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

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel that can register and register application information for opening a gift certificate account for processing using a loan agreement when a request for issuance of a gift certificate from the terminal to the server is made. do.

Subsequently, when the terminal requests the gift certificate issued to the server through an internet banking-based financial transaction channel, the terminal requests a web page including a user interface for processing a shortfall other than the value of the deposited gift certificate value using a loan agreement (1300b). In response, the server includes a user interface for inputting (or selecting) gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information, and transmitting the same to the server. A page is generated (or extracted) (1305b), and a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

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

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

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

If the terminal receives (or selects) a gift certificate account opening application information including the customer information, issueable gift certificate information, and loan agreement application information (1320b) through the user interface, the terminal receives the financial transaction channel. The input (or selection) of the gift certificate account opening application information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal confirms the validity of the gift certificate account opening application information on the server in the gift certificate account opening application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. It is preferable to further include at least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means. .

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for the application information for opening a gift certificate account including at least one of the customer information, issueable gift certificate information, and loan agreement application information. And / or public key-based cryptography, and / or electronic envelope-based cryptography, and / or key exchange-based cryptography, etc.) and / or attach a predetermined electronic signature to the gift certificate application request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. And / or the accredited certificate is provided on a predetermined IC chip (or IC card). Wu, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for opening a gift certificate account application information including at least one of the customer information, issueable gift certificate information, and loan agreement application information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmits the encrypted data to the server through the network means. Have at least one encryption key corresponding to the encryption scheme, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card) If provided in the card reader for checking the official certificate provided in the IC chip (or IC card) Is provided is preferable.

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

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

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

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

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

According to an embodiment of the present invention, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined password for confirming the validity of the gift certificate account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 820 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the server opens the gift certificate account. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 820 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity confirmation of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 890 on the financial system 885 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( 885), it is preferable to include a check to match with the customer ledger stored in the ledger D / B (890).

In addition, when the validity of the gift certificate account application information is confirmed in the information contained in the gift certificate account application information, the loan agreement application information is a financial instrument of the financial institution, the account ledger corresponding to the financial product is It is preferable to include checking whether it matches the account ledger stored in the ledger D / B 890 on the financial system 885 of the financial institution.

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

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

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, loan agreement application information included in the received gift certificate account opening application information, and the document. Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ), When requesting issuance of a gift certificate, it is preferable to process a shortfall other than the value of the gift certificate value as an electronic document for applying for a gift certificate account for processing using a loan agreement.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and the application information for opening the gift certificate account in the document content. After including at least one or more information of the customer information, issueable gift certificate information, loan commitment application information contained in the watermarking method, and a document file containing the document content including the watermarking (for example, PDF (Portable) The value of the gift voucher deposited upon request for issuing the voucher, such as a document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is necessary to treat other shortfalls as electronic documents for the application for opening a gift certificate account for processing using the loan agreement. desirable.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Application for opening a gift certificate account for processing by using a loan agreement for a deficiency other than the value of the gift certificate value deposited when an image file including image content (eg, image content generated by capturing the document content on a memory) is requested. It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information into content (eg, image content generated by capturing the document content on a memory). After including the watermarking, and processing the image file containing the watermarking image content in the request for issuance of the gift certificate, the shortage other than the value of the gift voucher value as a gift certificate account application for processing using the loan agreement. desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including image content (e.g., image content generated by capturing the document content on a memory). File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, when a request for issuance of the gift certificate is made, a shortage other than the value of the deposited gift certificate is processed using the loan agreement. It is advisable to process electronic vouchers for gift voucher accounts.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information into content (eg, image content generated by capturing the document content on a memory). Generating an image content including the image content, and at least a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content including the watermarking. Create a word processing file containing one or more, or a web document file containing MHT). As a result, when requesting issuance of the gift certificate, it is preferable to process a shortfall other than the value of the deposited gift certificate as an electronic document for applying for a gift certificate account for processing using a loan agreement.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and document voucher account opening application information. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is advisable to treat the shortfall in the electronic documents for the application for opening a gift certificate account for the processing using the loan agreement. Do.

Alternatively, the server generates document content including at least one of customer information, issueable gift certificate information, and loan agreement application information included in the received gift certificate account opening application information, and captures the document content. Watermarking at least one or more of customer information, issueable gift certificate information, and loan agreement application information included in the gift certificate account application information into content (eg, image content generated by capturing the document content on a memory). Generating an image content including the image content, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the application information for opening the gift certificate account, Or a word processor file including at least one HWP / DOC, or MHT. By creating a web document that the files, etc.), it is preferable to handle the shortfall other than the vouchers issued upon request, the deposit voucher to the value voucher account opening application for processing electronic documents with the loan agreement.

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

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

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 860 and an electronic document D / B 880 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 860 via the communication means and stores in the electronic document D / B (880).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 880, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (880).

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

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

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the application information for opening a gift certificate account) and / or a financial institution for transmitting the electronic document opening request electronic document. Information, and / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (1360c), the server is based on the customer information, issueable gift certificate information, loan agreement application information contained in the application information for opening the gift certificate account, the financial account Generate information (1365c).

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

Thereafter, the server is linked to the financial system 885 to include the financial account information based on the customer information, issueable gift certificate information, and loan agreement application information included in the application information for opening a gift certificate account. Open and process a financial account (1370c).

According to an embodiment of the present invention, the server is connected with the financial system 885 to generate a customer ledger including customer information included in the application for opening a financial account (or matched with the customer information, and is provided in advance. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response to the request for issuance of the gift certificate, it is characterized in that a predetermined financial account is opened for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate.

According to an embodiment of the present invention, when the server and the financial system 885 exist in the same system, the server transmits the financial account information to the ledger D / B 890 in association with the financial system 885. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 885 exist on another system connected through a predetermined communication means, the server is connected to the financial system 885 through a predetermined communication means. It is preferable to request the general ledger D / B 890 on the other financial system 885 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account connection information included in the gift certificate account opening application information, and the gift certificate account opening application information. Liquidity account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information is generated and stored in a predetermined storage medium 895 (1375c).

According to an embodiment of the present invention, when the storage medium 895 is provided in the gift certificate account management server 805 or on the network associated with the gift certificate account management server 805, the information storage unit ( 855) includes gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, and liquidity account linking information included in the received gift certificate account opening application information, and the gift certificate account opening application information. Preferably, the storage medium 895 stores financial account information including at least one liquid account information including at least one of customer information, liquidity account attribute information, loan agreement information, and gift certificate account connection information.

According to another exemplary embodiment of the present invention, when the storage medium 895 is provided in a DBMS provided on the financial system 885, the information storage unit 855 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information, customer information and liquidity account attribute information, loan included in the application information for opening the gift certificate account, loan The financial account information including at least one of liquidity account information including at least one of contract information and gift certificate account connection information is provided to the information system through an external system on the financial system 885 and provided on the financial system 885. It is desirable to store in a DBMS.

Subsequently, the server sets predetermined financial account opening history information (eg, the voucher account opening history, and / or a history of storing the voucher account opening application electronic document in the electronic document repository, and / or the storage medium 895). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 895 is preferably provided in a DBMS on a financial system 885 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 895 may be ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 895 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

14 is a diagram illustrating a face-to-face financial transaction system for processing by using a loan agreement a deficiency other than the value of a deposited gift certificate upon request for issuance of a gift certificate according to an embodiment of the present invention.

In more detail, in Figure 14, when a predetermined customer requests the issuance of the gift certificate to the financial transaction system through a predetermined financial transaction interface, the gift certificate account information and the gift certificate issue ( Or use) the financial transaction request information including at least one request amount information, transaction authentication information, and gift certificate type information, the gift certificate account information and gift certificate issuance ( Or use) The system configuration for providing a financial transaction for processing by using a loan agreement for the deficiency other than the value of the deposited gift certificate when requesting issuance of the gift certificate using the requested amount information, transaction authentication information, and gift certificate type information. Those skilled in the art to which the invention pertains, FIG. 14 When requesting issuance of a gift certificate by reference and / or modification, various implementation methods for constructing a financial transaction system for processing a deficit other than the value of the deposited gift certificate may be inferred. It includes a city method, and is not limited to the embodiment method shown in FIG.

Hereinafter, when the issuance of the gift certificate is issued using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 14, a shortage other than the value of the deposited gift certificate is processed using the loan agreement. A component corresponding to at least one or more means and / or functional configurations for providing a financial transaction for the sake is referred to as a "financial transaction server" for convenience, and the financial transaction server in FIG. 14 providing the face-to-face financial transaction service It is preferable to include an account system on a financial system connected through at least one window terminal and a predetermined financial network.However, FIG. 14 shows the financial transaction server as a ledger server between a window terminal and an account system for convenience of explanation. However, the present invention is not limited thereto.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for processing a shortage other than the value of a deposited gift certificate by using a loan agreement is provided at at least one branch of a financial institution at the request for issuance of the gift certificate. A financial transaction terminal including a terminal and a financial network (for example, a banking network) connected to the financial transaction terminal, and a shortage other than the value of the deposited gift certificate when requested to issue the gift certificate connected to the financial transaction terminal through the financial network. A financial transaction server for processing a financial transaction for processing using a loan agreement, and a financial system in which the gift certificate account opened through the gift certificate account opening system shown in FIG. 1 or 8 is opened. do.

The financial system which processes at least one financial transaction service through the gift certificate account opened through the gift certificate account opening system shown in FIG. 1 or 8 in connection with the financial transaction server may be a branch of the financial institution (and // Or at least one window terminal provided at a branch) and a predetermined financial network (eg, a branch network), and face-to-face financial transaction services to at least one financial transaction customer through the window terminal. To provide.

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

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

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

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

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

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

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

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1500 for storing at least one ledger, wherein the ledger D / B 1500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) And the information is stored in association with each other in relation. Is characterized in that it comprises a predetermined account ledger corresponding to the gift certificate account opened through the gift certificate account opening system shown in FIG.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the branch of the financial institution for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of the gift certificate, and through a window provided in the financial institution branch. When requesting voucher issuance (or through a clerk), a loan application will be made for the application of a deficit other than the value of the deposited voucher. A document with a form for filling in at least one item of information for processing, and submitting the completed application to a teller, the teller receives a gift certificate account entered in the request through a designated teller terminal. Enter the information, voucher issue (or use) request amount information, transaction authentication information, and gift voucher type information. And the counter terminal includes the financial transaction request information including at least one of the input (or selected) gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information. It is preferable to transmit to the financial transaction server provided on the financial transaction system through.

Here, the financial transaction terminal preferably comprises a teller terminal used by the teller staff provided in the branch of the financial institution, and the financial transaction server connected to the teller terminal includes a ledger server provided on the predetermined financial system. Preferably, the financial network that connects the teller terminal and the financial transaction server comprises an access network that connects the communication channel between the teller terminal and the financial transaction server.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server are deposited when the client requests to issue the gift certificate. It functions as a financial transaction interface for registering financial transaction request information for processing deficits other than the gift certificate value using loan agreement.

When the gift certificate issuance request, the financial transaction request information transmitted from the financial transaction terminal to the financial transaction server for processing a shortfall other than the value of the gift certificate value deposited using the loan agreement is predetermined gift certificate account information and gift certificate issue ( Or use) at least one request amount information, transaction authentication information, gift certificate type information.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving the gift voucher, and the amount of the voucher issuance (or use) does not exceed the balance deposited in the voucher account.

In addition, when the amount of the gift certificate use amount exceeds the balance deposited in the gift certificate account, the existence of a loan agreement is confirmed in the gift certificate account (or a liquidity account linked to the gift certificate account), and a loan agreement is applied. In this case, it is characterized in that it does not exceed the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information is the confidentiality, authentication, integrity and nonrepudiation of the issuance of the gift certificate for issuing the blank gift certificate value deposited in the gift certificate account as a gift certificate at the time of use of the gift certificate. Information for securing at least one or more of the, characterized in that it comprises at least one or more passwords corresponding to the gift certificate account, or a password corresponding to issuance of the gift certificate.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate and xxx shoe gift certificate.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

The financial transaction server provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal through a predetermined financial network, and includes at least one server (or device). And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the financial transaction terminal is a window terminal connected to a predetermined financial network, the financial transaction server is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in the external system on the financial system, and / 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 financial transaction server is characterized by comprising an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal through the financial network. .

According to an embodiment of the present invention, when the financial transaction terminal is a window terminal connected to a predetermined financial network, the interface unit 1405 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. 14, when the financial transaction server connects a communication channel with the financial transaction server through the interface unit 1405, and / or requests to issue the gift certificate through the communication channel, When a financial transaction for processing using a loan agreement is requested for a shortage other than the value of the deposited gift certificate value, the financial transaction terminal inputs (or selects) and transmits predetermined financial transaction request information in connection with the interface unit 1405. And an interface providing unit 1410 (or an interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal. The financial interface includes the user interface. If a predetermined terminal-side banking program is provided, the interface providing unit 1410 is omitted. It is preferred.

The interface providing unit 1410 may be configured to deposit a gift certificate when a predetermined financial transaction terminal connects a communication channel with the financial transaction server through the interface unit 1405 and / or requests to issue the gift certificate through the communication channel. When requesting a financial transaction for processing a shortage other than value using a loan agreement, the financial transaction request information is input (or selected) corresponding to the functional configuration provided in the financial transaction terminal, and the financial transaction is performed through the financial network. Create a predetermined user interface that can be transmitted to a server, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 1405 to generate the (or extracted) user interface to the financial network It is characterized in that provided through the financial transaction terminal.

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

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

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information. It is preferable to include an interface function for transmitting to the financial transaction server.

Referring to FIG. 14, the financial transaction server may include at least one of gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface at the financial transaction terminal. When the request information is input (or selected) and transmitted, the interface unit 1405 includes at least one of the gift certificate account information, the gift certificate issue (or use) request value information, transaction authentication information, and gift certificate type information. An information receiving unit 1415 (or information receiving means) for receiving financial transaction request information, the gift certificate account information included in the received financial transaction request information, gift certificate issue (or use) request value information, transaction authentication information, gift certificate Validation unit 1425 (or validation means) for checking the validity of the type information, and the financial transaction request Deposit confirmation unit 1430 (or deposit confirmation means) for comparing and confirming the value of the gift voucher issuance (or use) included in the information and the value of the blank gift certificate (or gift voucher value) deposited in the gift voucher account in connection with the financial system. ), And when the deposit confirmation unit 1430 compares and confirms that the gift certificate issuance (or use) request amount is greater, the existence of a loan agreement is confirmed on the gift certificate account (or a liquidity account linked to the gift certificate account). Loan approval processing unit 1435 (or loan approval processing means) for requesting loan approval, and loan processing unit 1437 (or loans) for depositing a loan into a liquidity account according to the loan approval processed by the loan approval processing unit 1435. Processing means) and a blank gift certificate value (or gift certificate value) deposited in the gift certificate account in association with the financial system. Financial transaction result information for the result of issuing and processing the gift certificate value (or gift certificate value) deposited in the gift certificate account in connection with the gift certificate issue processing unit (or gift certificate issue processing unit) and the gift certificate issue processing unit. And an information transmission unit 1420 (or information transmission means) for generating and transmitting the financial transaction result information to the financial transaction terminal in association with the interface unit 1405.

The financial transaction terminal inputs (or selects) financial transaction request information including at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface. Characterized in that the transmission through the financial network to the financial transaction server.

The information receiving unit 1415 inputs, at the financial transaction terminal, financial transaction request information including at least one of gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface. (Or selects) and transmits the data through the financial network, the financial transaction request information is received in connection with the interface unit 1405, and the validity verification unit 1425 receives the received financial transaction request information. To provide.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving the gift voucher, and the amount of the voucher issuance (or use) does not exceed the balance deposited in the voucher account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. And not exceeding the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information is the confidentiality, authentication, integrity and nonrepudiation of the issuance of the gift certificate for issuing the blank gift certificate value deposited in the gift certificate account as a gift certificate at the time of use of the gift certificate. Information for securing at least one or more of the, characterized in that it comprises at least one or more passwords corresponding to the gift certificate account, or a password corresponding to issuance of the gift certificate.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate, xxx shoe gift certificate, or the like.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

The validity confirming unit 1425 checks whether the financial transaction request information received from the financial transaction terminal satisfies the validity for the processing using the loan agreement for a deficiency other than the value of the deposited gift certificate.

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

In addition, the validity of the financial transaction request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the gift certificate account) the financial transaction request And checking whether the amount of gift certificate issued (or used) is greater than the amount of the gift certificate issued (or used) included in the information. It is desirable to be authenticated.

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

In addition, the validation of the gift certificate issuance request information is matched with the issueable gift certificate information among the gift certificate account information provided in the ledger D / B 1500 on the financial system corresponding to the gift certificate type information included in the gift certificate issuance request information It is preferable to include checking whether or not.

The deposit confirmation unit 1430 compares and confirms the amount of gift certificate issuance (or use) included in the financial transaction request information with a blank gift certificate value (or gift certificate value) deposited in the gift certificate account ledger in association with the financial system. It is characterized by.

According to an exemplary embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist in the same system, the deposit checking unit 1430 is deposited in a gift certificate account of the customer name on the financial system. It is desirable to check the blank gift certificate value (or gift certificate value).

According to another exemplary embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1430 may use predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer name on the other financial system through the external system on the financial system through.

When the loan approval processing unit 1435 compares and confirms in the deposit confirmation unit, and if the amount of the gift certificate issuance (or use) is greater, the loan approval processing unit 1435 determines whether there is a loan agreement on the gift certificate account (or a liquidity account linked to the gift certificate account). After confirming, it is characterized in that the application for the loan execution for filling the insufficient gift certificate value.

According to the exemplary embodiment of the present invention, when the financial institution server and the financial system exist in the same system, it is preferable that the loan agreement confirming unit checks whether the loan agreement for the gift certificate account of the customer's name is on the financial system. In addition, when the loan agreement is concluded, it is preferable to further check the loanable amount information included in the loan agreement and apply for a loan execution for filling the insufficient gift certificate value.

In addition, when providing a loan in accordance with the loan agreement, the loan is preferably provided to a liquidity account (or gift certificate account) associated with the gift certificate account.

According to another exemplary embodiment of the present invention, when the financial institution server and the financial system exist on another system connected through a predetermined communication means, the loan agreement confirming unit is provided on an external system on the financial system through a predetermined communication means. It is preferable to check whether or not a loan agreement for the gift certificate account of the customer name on the other financial system through, and if the loan agreement is concluded, further check the loanable amount information included in the loan agreement is insufficient It is advisable to apply for a loan to recharge the gift card value.

According to the implementation method of the present invention, in addition to providing a loan in accordance with the loan agreement, if the loan agreement is not concluded, the customer may request the consent and process the customer agreement to provide the loan, thereby The present invention is not limited.

The loan processing unit 1437 is characterized in that the amount of the loan corresponding to the value of the insufficient gift certificate value on the gift certificate account of the customer or a customer securitization account connected to the gift certificate account.

According to one embodiment of the present invention, if the loan amount of money corresponding to the insufficient gift certificate value is present in the same system as the financial institution server and the financial system, if the loan approval is confirmed in response to a result of the loan approval process It is preferable to deposit the amount of money corresponding to the insufficient value of the gift certificate into the liquidity account linked to the gift certificate account, and may deposit the money into the gift certificate account in addition to the liquidity account according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, if the loan amount corresponding to the insufficient gift certificate value exists on another system in which the financial institution server and the financial system are connected through a predetermined communication means, the financial institution server may be configured to perform the financial. It is preferable to deposit the loan approved through the other financial system through the external system in the system to the liquidity account, and deposit the money into the gift certificate account in addition to the liquidity account according to the intention and purpose of the skilled person. It may be.

The gift voucher issuing unit 1440 may issue and process a blank voucher value (or gift voucher value) deposited in the voucher account as a voucher at the time of use of the voucher in connection with the financial system.

According to the method of the present invention, the gift certificate issuing unit 1440 is connected to the financial system from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information from the account ledger issued (or used) request amount information; It is preferable to withdraw a corresponding amount (ie, a blank gift certificate value (or gift certificate value) deposited in the gift certificate account) and issue it as a gift certificate that can be used (or designated by the customer) at the merchant where the gift certificate is used. It is preferable to transmit the gift certificate information corresponding to the issued gift certificate to the store terminal 1445 through the information transmission unit 1420 and issue it.

Alternatively, the issued gift certificate may be issued through a predetermined gift certificate issuing means (for example, a mobile phone, an e-mail, a DM mail, etc.) designated by a customer other than the store terminal 1445, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store requesting payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won. When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

When the financial transaction processing unit requests the issuance of the gift certificate, when a financial transaction for processing a loan using a loan agreement is processed, the information transmission unit 1420 issuing the gift certificate in connection with the financial transaction processing unit. Upon request, a financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial transaction for processing a shortage other than the value of the deposited gift certificate is generated, and the interface unit 1405 And the financial transaction result information including the financial transaction processing details to the financial transaction terminal through the financial network.

The financial transaction processing history may include the gift certificate account information, the gift certificate issuance (or use) request amount information, and the gift certificate type information, and further includes an approval code (or error code) for the financial transaction. It is characterized by comprising.

The financial transaction result information includes a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal through the financial network, and the financial transaction terminal receiving the financial transaction result information includes: A predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information is output.

15 shows a ledger configuration corresponding to a gift certificate account provided in the financial system for a face-to-face financial transaction for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of a gift certificate according to the method of the present invention. Figure is shown.

More specifically, FIG. 15 corresponds to the gift certificate account opened through the system for opening a gift certificate account shown in FIG. 1 or FIG. 8 in the ledger D / B 1500 provided in the DBMS on the financial system shown in FIG. As shown in FIG. 15, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention to request for the issuance of the gift certificate. Various implementation methods for the ledger configuration corresponding to the gift certificate account provided in the financial system for processing the deficit with the loan agreement may be inferred, but the present invention includes all the implementation methods inferred from the above figure 15 It is not limited only to the implementation method shown in FIG.

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

The customer ledger is a ledger containing customer information corresponding to the gift certificate account for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of the gift certificate, and includes a customer information file number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Including at least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the gift voucher account for processing a deficit other than the value of the deposited gift voucher upon request of issuing the voucher, which is linked relationally with the customer ledger, and includes an account number, a CIF number, and a branch number. , Currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, The final withdrawal date, the final deposit amount, the final withdrawal amount, the number of unpaid transactions, interest rate system account, flat consolidation, the final payment interest, the final payment transaction number, reference to individual interest rates, and the date of final interest calculation, etc. Periodic received information including at least one or more of an account number corresponding to the ledger, the number of waivers (months), period (days), period extension, expiration date and target amount, and / or the account ledger Trust reception information including at least one corresponding account number, trust amount, par value, pension date and number of shares, and / or account number, transaction number, date, point number, commodity type, transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

Referring to this drawing t which includes an implementation method provided in the ledger D / B 1500 or the storage medium according to an embodiment of the present invention, Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information included in the gift certificate account opening application information provided through the illustrated gift certificate account opening system, and opening the gift certificate account Financial account information including at least one of liquidity account information including at least one of customer information included in the application information, liquidity account attribute information, loan agreement information, and gift certificate account linking information, in the form of additional information added to the account ledger. Characterized in that it is stored.

The issueable gift certificate information includes a gift certificate type information, a gift certificate issuer information, a discount rate (or a premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

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

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is desirable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the gift certificate account opening system corresponding to the customer by subscribing to It is preferable to make.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information may be applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to a blank gift certificate value used through the gift certificate account is applied to the liquidity account when a predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one or more account number, the name of the account holder of the financial account, a gift certificate account number associated with the financial account, Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

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

16A and 16B illustrate a process of processing a financial transaction for processing by using a loan agreement for a deficiency other than the value of a deposited gift certificate when requesting issuance of a gift certificate in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIGS. 16A and 16B show a case in which the financial transaction server on the financial transaction system shown in FIG. 14 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the financial transaction server and connects the communication channel for the financial transaction, the gift certificate account information, gift certificate issue (or use) request value information, transaction authentication information, and the like to the financial transaction server through the communication channel. When the financial transaction request information including gift certificate type information is transmitted, gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type included in the received financial transaction request information are received from the financial transaction server. When requesting issuance of the gift certificate by using the information, the shortage other than the value of the deposited gift certificate is processed using the loan agreement. The present invention relates to a method for providing a financial transaction. Those skilled in the art may refer to and / or modify the drawings 16a and 16b to deposit a gift certificate in the face-to-face manner. It will be possible to infer various implementation methods for the process of processing a financial transaction for processing the shortfall other than the value of the gift certificate value, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in Fig. 16B.

In the following Figures 16a and 16b, the window terminal shown in Figure 14 is referred to as "terminal" for convenience, and the financial transaction server shown in Figure 14 is referred to as "server" for convenience.

Referring to FIGS. 16A and 16B, the terminal shown in FIG. 14 connects a communication channel for at least one financial transaction with the server through the financial network, and requests for issuance of the gift certificate. User interface for inputting (or selecting) financial transaction request information including at least one of gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information for processing a deficiency using a loan agreement Outputs (1600).

Subsequently, a predetermined application including at least one or more of the gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information from the customer (eg, at the time of request for issuance of the gift certificate, (A document having a form for filling out at least one information item for processing a shortage of a loan) is prepared and submitted, the terminal receives the gift certificate account information and gift certificate included in the application through the user interface. Enter (or select) financial transaction request information including at least one of issuance (or use) request value information, transaction authentication information, and gift certificate type information (1605), and execute the gift certificate through a financial network connecting the terminal and a server. Account information, gift certificate issuance (or use) request amount information, transaction authentication information, gift certificate type information And financial transactions, including at least one transfer request information to the server 1615.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving), characterized in that the amount of the gift voucher (or use) does not exceed the balance deposited in the gift certificate account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. And not exceeding the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information is the confidentiality, authentication, integrity and nonrepudiation of the issuance of the gift certificate for issuing the blank gift certificate value deposited in the gift certificate account as a gift certificate at the time of use of the gift certificate. Information for securing at least one or more of the, characterized in that it comprises at least one or more passwords corresponding to the gift certificate account, or a password corresponding to issuance of the gift certificate.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate, xxx shoe gift certificate, or the like.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

Thereafter, the server receives and reads the financial transaction request information including at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the financial network. The validity of the request information is checked (1620).

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

In addition, the validity of the financial transaction request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the gift certificate account) the financial transaction request And checking whether the amount of gift certificate issued (or used) is greater than the amount of the gift certificate issued (or used) included in the information. It is desirable to be authenticated.

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

In addition, the validation of the gift certificate issuance request information is matched with the issueable gift certificate information among the gift certificate account information provided in the ledger D / B 1500 on the financial system corresponding to the gift certificate type information included in the gift certificate issuance request information It is preferable to include checking whether or not.

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

On the other hand, if the validity of the financial transaction request information is verified (1625), the server checks a deposit for the financial transaction request information in association with the financial system (1631).

According to an exemplary embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist in the same system, the deposit checking unit 1430 is deposited in a gift certificate account of the customer name on the financial system. It is desirable to check the blank gift certificate value (or gift certificate value).

According to another exemplary embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1430 may use predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer name on the other financial system through the external system on the financial system through.

If the deposit confirmed by the server is greater than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Value) (1632), the server processes the financial transaction corresponding to the financial transaction request information (1635).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal 1445 through the information transmission unit 1420 to issue.

Alternatively, the issued gift certificate may be issued through a predetermined gift certificate issuing means (for example, a mobile phone, an e-mail, a DM mail, etc.) designated by a customer other than the store terminal 1445, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

On the other hand, if the deposit confirmed by the server is less than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Greater than value) (1632), the server checks the loan agreement for the gift certificate account in association with the financial system (1633).

According to one embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist in the same system, the loan approval processing unit 1435 for the gift certificate account of the customer name on the financial system; It is preferable to check the existence of the loan agreement, and when the loan agreement is concluded, it is preferable to further check the loanable amount information included in the loan agreement.

In addition, when providing a loan according to the loan agreement, the loan is preferably provided to a liquidity account connected to the gift certificate account.

According to another exemplary embodiment of the present invention, when the gift certificate account management server 1400 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1430 may use predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer name on the other financial system through the external system on the financial system through.

If the loan agreement is not concluded (1634), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the error information (or use) of the gift certificate (1630). The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a financial network (1650). In response, the terminal prints a financial transaction receipt including the financial transaction processing history (1655). .

On the other hand, when the loan agreement is concluded (1634), the server is connected to a financial system equipped with an account ledger corresponding to the gift certificate account, the gift certificate account information included in the financial transaction request information, issuance (or use) of the gift certificate Upon request for issuance of the gift certificate based on the requested value information, transaction authentication information, and gift certificate type information, a financial transaction for processing a shortage other than the value of the deposited gift certificate is processed using a loan agreement (1635).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal 1445 through the information transmission unit 1420 to issue.

Alternatively, the issued gift certificate may be issued through a predetermined gift certificate issuing means (for example, a mobile phone, an e-mail, a DM mail, etc.) designated by a customer other than the store terminal 1445, and the present invention is not limited thereto.

For example, if a blank gift certificate value of 1 million won is deposited in the gift certificate account, the customer (or a store that requests the payment for the purchase of the product when the customer visits and purchases the product) corresponds to 500,000 won. When the issuance of the A voucher is issued, it is preferable to issue the A voucher corresponding to 500,000 won from the voucher account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

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

FIG. 17 is a diagram illustrating a non-face-to-face financial transaction system for processing by using a loan agreement a deficiency other than the value of a deposited gift certificate upon request for issuance of a gift certificate according to an embodiment of the present invention.

In more detail, in FIG. 17, when a predetermined customer requests for issuance of the gift certificate to the financial transaction system through a predetermined financial transaction interface, gift certificate account information and gift certificate issuance for processing a lack of deposited gift certificate value using a loan agreement (Or use) when providing financial transaction request information including at least one request amount information, transaction authentication information, and gift certificate type information, issuing the gift certificate account information and gift certificate included in the provided financial transaction request information in the financial transaction system. (Or use) as a system configuration for providing a financial transaction for processing by using a loan agreement for the shortage other than the value of the deposited gift certificate when requesting issuance of the gift certificate using the requested amount information, transaction authentication information, and gift certificate type information. Those skilled in the art to which the present invention belongs, this figure 17 When requesting to issue a voucher by referring to and / or modifying the present invention, various implementation methods for constructing a financial transaction system for processing a shortage other than the value of the deposited voucher value using a loan agreement may be inferred. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, when the issuance of the gift certificate is issued using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 17, a shortage other than the value of the deposited gift certificate is processed using the loan agreement. A component corresponding to at least one means and / or functional configuration for providing a financial transaction for the sake is referred to as a "financial transaction server" for convenience, and provides the non-face-to-face financial transaction service in FIG. 17. Preferably, all kinds of non-face-to-face banking servers include at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to this figure 17 according to the embodiment of the present invention, a financial transaction system for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of the gift certificate, a wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 1745 including at least one or more client terminals, the network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1745 is connected, and the network means. The financial transaction server connected to the financial transaction terminal 1745 through the financial transaction server for processing a financial transaction for processing a loan shortage other than the value of the deposited gift certificate value when a request for issuance of a gift certificate is shown and shown in FIGS. 1 or 8. Including the financial system in which the gift certificate account opened through the established gift certificate account opening system. It characterized by that.

The financial system which processes at least one financial transaction service through the gift certificate account opened through the gift certificate account opening system shown in FIG. 1 or 8 in connection with the financial transaction server may be a branch of the financial institution (and // Or at least one window terminal provided at a branch) and a predetermined financial network (eg, a branch network), and face-to-face financial transaction services to at least one financial transaction customer through the window terminal. To provide.

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

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

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

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

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

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

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

Referring to FIG. 17, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1800 for storing at least one ledger, wherein the ledger D / B 1800 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) And the information is stored in a relational manner. The ledger information is shown in FIG. It is characterized in that it comprises a predetermined account ledger corresponding to the voucher account opening through the voucher account opening system shown in figure 8.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1800 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial transaction server through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, and the financial transaction. When requesting issuance of the gift certificate through at least one user interface provided by a server, inputting (or selecting) financial transaction request information for processing a shortage other than the deposited gift certificate value using a loan agreement, It is preferable to transmit to a financial transaction server provided on the financial transaction system through a network means.

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

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

The financial transaction server connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or it is preferably made to include a separate web server for the information registration.

The network means for connecting the client terminal and the financial transaction server may include a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network and / or an IEEE 802.16x-based mobile Internet according to the type of wireless communication network to which the client terminal is connected. And / or any one of DataTAC / Mobitex-based wireless data communication networks, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial transaction server, and inputs and / or selects at least one or more information through the user interface to transmit to the financial transaction server (eg, , A browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial transaction server.

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

In the financial transaction system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network and / or wireless connecting the client terminal and the financial transaction server. The communication network performs a function of a financial transaction interface for registering the financial transaction request information for processing by using a loan agreement when the customer requests for issuance of the gift certificate.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1745 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1745 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server The financial network that connects the customer to perform a function of the financial transaction interface for registering the financial transaction request information for processing using the loan agreement, the shortage other than the value of the deposited gift certificate when the customer requests the gift certificate issued, and / or When the financial transaction terminal 1745 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server may be used. When the customer requests to issue the gift certificate, the gold for registering the financial transaction request information for processing the shortfall other than the value of the deposited gift certificate by using the loan agreement. The terminal (and / or server), which is a terminal (and / or server) (not shown) that performs a function of a transaction interface and / or is provided to an institution affiliated with the financial institution that is the financial transaction terminal 1745. (Not shown) and the network connecting the terminal (and / or server) (not shown) to the financial transaction server process a deficit other than the value of the gift certificate deposited when the customer requests the gift certificate. It performs the function of the financial transaction interface for registering the financial transaction request information.

The financial transaction server provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1745 through a predetermined network means, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server may be connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided in an external system on the financial system which is a program provided with the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). And / or a program provided to the external world on the financial system, whereby the present invention Shall not.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial transaction server is located on the wireless banking system. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited You are good.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

When the gift certificate issuance request, the financial transaction request information transmitted from the financial transaction terminal 1745 to the financial transaction server for processing a shortfall other than the value of the gift certificate value deposited using the loan agreement is predetermined gift certificate account information and gift certificate. Issuance (or use) characterized in that it comprises at least one or more information, such as request value information, transaction authentication information, gift certificate type information.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving the gift voucher, and the amount of the voucher issuance (or use) does not exceed the balance deposited in the voucher account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. And not exceeding the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information, when requesting issuance of the gift certificate, the confidentiality, authentication, integrity and nonrepudiation of the financial transaction for processing the shortfall other than the value of the gift certificate value deposited using the loan agreement. Information for securing at least one or more of the), characterized in that it comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the gift certificate account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, in the characteristic of the financial transaction system shown in FIG. 17, when the issuance request is issued, a financial transaction for processing a deficit other than the value of the deposited gift certificate is made through a non-face-to-face channel. Authentication information is the official certificate information provided in the financial transaction terminal 1745 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1745), or the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on at least one encryption key included in the electronic device, or attaching the electronic signature of the customer to the financial transaction request information.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate, xxx shoe gift certificate, or the like.

In addition, the serial number (or code) information is granted to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

According to an embodiment of the present invention, the financial transaction server comprises an interface unit 1705 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 1745 through the network means. It features.

According to an embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1705 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a financial automation device connected to a predetermined financial network, the interface unit 1705 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 includes a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal based on the. Do.

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

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based banking program) provided by the financial transaction server, the interface unit 1705 establishes a communication channel with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 is connected to the wired telephone network and / or It is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 17, in the financial transaction server, a predetermined financial transaction terminal 1745 connects a communication channel with the financial transaction server through the interface unit 1705, and / or issues the gift certificate through the communication channel. Upon request, when a financial transaction for processing using a loan commitment is requested for a deficiency other than the value of the deposited gift certificate, inputs predetermined financial transaction request information in the financial transaction terminal 1745 in cooperation with the interface unit 1705 ( Or an interface providing unit 1710 (or an interface providing means) for generating (or extracting) a predetermined user interface to transmit to the financial transaction terminal 1745. When the financial transaction terminal 1745 is provided with a predetermined terminal-side banking program including the user interface, the interface is provided. 1710 is preferably omitted.

The interface providing unit 1710 has a predetermined financial transaction terminal 1745 connecting the communication channel with the financial transaction server through the interface unit 1705, and then provides a functional configuration of the financial transaction terminal 1745. Correspondingly generate (or select) the financial transaction request information and generate a predetermined user interface capable of transmitting to the financial transaction server via the network means, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1705 to the financial transaction terminal 1745 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1710. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1705 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1710 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 1705.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1710 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1705 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1745 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1710 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1705. .

According to another exemplary embodiment of the present invention, the financial transaction terminal 1745 includes one or more user interfaces for inputting (or selecting) the financial transaction request information to the financial transaction server through the network means. When the terminal-side banking program is provided, the interface providing unit 1710 for providing the user interface to the financial transaction terminal 1745 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information. It is preferable to include an interface function for transmitting to the financial transaction server.

Referring to FIG. 17, the financial transaction server includes at least one of gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information in the financial transaction terminal 1745 through the user interface. When the financial transaction request information is input (or selected) and transmitted, at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information is linked with the interface unit 1705. An information receiving unit 1715 (or information receiving means) for receiving the financial transaction request information, including the gift certificate account information, gift certificate issuance (or use) request amount information included in the received financial transaction request information, transaction authentication A validity checking unit 1725 (or validity checking means) for checking the validity of the information and the gift certificate type information; Deposit confirmation unit 1730 (or deposit confirmation means) for comparing and confirming the amount of gift voucher issuance (or use) included in the request information with the blank voucher value (or gift voucher value) deposited in the gift voucher account in connection with the financial system. ), And when the deposit confirmation unit 1730 compares and confirms that the gift certificate issuance (or use) request amount is greater, the existence of a loan agreement is confirmed on the gift certificate account (or a liquidity account linked to the gift certificate account). Loan approval processing unit 1735 (or loan approval processing means) for requesting loan approval, and loan processing unit 1735 (or loan) for depositing a loan into a liquidity account according to the loan approval processed by the loan approval processing unit 1735. Processing means) and a blank gift certificate value (or gift certificate value) deposited in the gift certificate account in association with the financial system at the time of use of the gift certificate. In connection with a gift certificate issuing processing unit (or gift certificate issuing processing means) that is processed as a gift certificate and the financial transaction processing unit, a predetermined amount for a financial transaction for processing by using a loan agreement is made for a deficiency other than the value of the deposited gift certificate. And an information transmitter configured to generate financial transaction result information and transmit the financial transaction result information to the financial transaction terminal 1745 in association with the interface unit 1705.

The financial transaction terminal 1745 inputs (or selects) financial transaction request information including at least one of the gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface. ) To the financial transaction server through the network means.

The information receiving unit 1715 may request a financial transaction including at least one of gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface at the financial transaction terminal 1745. When the information is input (or selected) and transmitted through the network means, the financial transaction request information is received in association with the interface unit 1705, and the validity confirmation unit receives the received financial transaction request information. Provided by (1725).

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving the gift voucher, and the amount of the voucher issuance (or use) does not exceed the balance deposited in the voucher account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. And not exceeding the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information, when requesting issuance of the gift certificate, the confidentiality, authentication, integrity and nonrepudiation of the financial transaction for processing the shortfall other than the value of the gift certificate value deposited using the loan agreement. Information for securing at least one or more of the), characterized in that it comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the gift certificate account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information is the official certificate information provided in the financial transaction terminal 1745 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1745), or the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on at least one encryption key included in the electronic device, or attaching the electronic signature of the customer to the financial transaction request information.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate, xxx shoe gift certificate, or the like.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

The validity verification unit 1725 checks whether the financial transaction request information received from the financial transaction terminal 1745 satisfies the validity for the processing using the loan agreement for a deficiency other than the value of the deposited gift certificate. It is done.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the gift certificate account information included in the financial transaction request information in the ledger D / B 1800 on the financial system. (Or checking whether the customer ledger corresponding to the gift certificate account) is provided, and if the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, It is desirable that the validity be authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account) the financial transaction request And checking whether the amount of gift certificate issued (or used) is greater than the amount of the gift certificate issued (or used) included in the information. It is desirable to be authenticated.

In addition, the verification of the validity of the financial transaction request information is an account provided in the ledger D / B (1800) on the financial system in response to the various passwords and the gift certificate account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account. It is preferable to include whether the security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable that the check is made to match with, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1745, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

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

In addition, the validation of the gift certificate issuance request information is matched with the issueable gift certificate information among the gift certificate account information provided in the ledger D / B (1800) on the financial system corresponding to the gift certificate type information included in the gift certificate issuance request information It is preferable to include checking whether or not.

The deposit confirmation unit 1730 compares and confirms the amount of gift certificate issuance (or use) included in the financial transaction request information with a blank gift certificate value (or gift certificate value) deposited in the gift certificate account ledger in association with the financial system. It is characterized by.

According to the exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist in the same system, the deposit checking unit 1730 is a blank deposited in a gift certificate account of the customer's name on the financial system. It is desirable to identify the gift card value (or gift card value).

According to another exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1730 may perform a predetermined communication means. It is preferable to request confirmation of a blank gift certificate value (or gift certificate value) deposited in a gift certificate account of the customer's name on the other financial system through an external system on the financial system.

When the loan approval processing unit 1735 compares and confirms the deposit confirmation unit, and the amount of the gift certificate issuance (or use) is greater, the loan approval processing unit 1735 checks the existence of the loan agreement on the gift certificate account (or the liquidity account linked to the gift certificate account). After confirming, it is characterized in that the application for the loan execution for filling the insufficient gift certificate value.

According to the exemplary embodiment of the present invention, when the financial institution server and the financial system exist in the same system, it is preferable that the loan agreement confirming unit checks whether the loan agreement for the gift certificate account of the customer's name is on the financial system. In addition, when the loan agreement is concluded, it is preferable to further check the loanable amount information included in the loan agreement and apply for a loan execution for filling the insufficient gift certificate value.

In addition, when providing a loan in accordance with the loan agreement, the loan is preferably provided to a liquidity account (or gift certificate account) associated with the gift certificate account.

According to another exemplary embodiment of the present invention, when the financial institution server and the financial system exist on another system connected through a predetermined communication means, the loan agreement confirming unit is provided on an external system on the financial system through a predetermined communication means. It is preferable to check whether or not a loan agreement for the gift certificate account of the customer name on the other financial system through, and if the loan agreement is concluded, further check the loanable amount information included in the loan agreement is insufficient It is advisable to apply for a loan to recharge the gift card value.

According to the implementation method of the present invention, in addition to providing a loan in accordance with the loan agreement, if the loan agreement is not concluded, the customer may request the consent and process the customer agreement, thereby providing the loan. The invention is not limited.

The loan processing unit 1735 may charge the amount corresponding to the shortage of the gift certificate value on the gift certificate account of the customer or the customer securitization account connected with the gift certificate account as a loan amount.

According to one embodiment of the present invention, if the loan amount of money corresponding to the insufficient gift certificate value is present in the same system as the financial institution server and the financial system, if the loan approval is confirmed in response to a result of the loan approval process It is preferable to deposit the amount of money corresponding to the insufficient value of the gift certificate into the liquidity account linked to the gift certificate account, and may deposit the money into the gift certificate account in addition to the liquidity account according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, if the loan amount corresponding to the insufficient gift certificate value exists on another system in which the financial institution server and the financial system are connected through a predetermined communication means, the financial institution server may be configured to perform the financial. It is preferable to deposit the loan approved by the loan through the other financial system through the external system to the liquidity account, and to the gift certificate account in addition to the liquidity account according to the intention and purpose of the skilled person. have.

The gift voucher issuing unit 1740 may issue and process a blank voucher value (or voucher value) deposited in the voucher account as a voucher at the time of use of the voucher in connection with the financial system.

According to the method of the present invention, the gift certificate issuing processing unit 1740 is connected to the financial system from the account ledger corresponding to the gift certificate account information included in the gift certificate issuing request information from the account ledger (the use) to the request amount information; It is preferable to withdraw a corresponding amount (ie, a blank gift certificate value (or gift certificate value) deposited in the gift certificate account) and issue it as a gift certificate that can be used (or designated by the customer) at the merchant where the gift certificate is used. It is preferable to transmit the gift certificate information corresponding to the issued gift certificate to the store terminal through the information transmission unit for issuance processing.

Alternatively, the issued voucher can be issued through a predetermined voucher issuing means (for example, mobile phone, e-mail, DM delivery, etc.) designated by the customer in addition to the store terminal, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

When the financial transaction processing unit requests the issuance of the gift certificate, when a financial transaction for processing using a loan agreement is processed for a deficiency other than the value of the deposited gift certificate value, the information transmitting unit deposits the request when issuing the gift certificate in connection with the financial transaction processing unit. By generating a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction for processing the shortfall other than the value of the gift certificate value, and in connection with the interface unit 1705 The financial transaction result information including the financial transaction processing details may be transmitted to the financial transaction terminal 1745 through the network means.

The financial transaction processing history may include the gift certificate account information, the gift certificate issuance (or use) request amount information, and the gift certificate type information, and further includes an approval code (or error code) for the financial transaction. It is characterized by comprising.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1745 through the network means. The financial transaction result information may include the financial transaction. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 1745 with an electronic signature of the financial institution attached.

18 is a ledger corresponding to a gift certificate account provided in a financial system for a non-face-to-face financial transaction for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of a gift certificate according to the method of the present invention. Figure is a diagram.

In more detail, FIG. 18 corresponds to the gift certificate account opened through the gift voucher account opening system shown in FIG. 1 or 8 in the ledger D / B 1800 provided in the DBMS on the financial system shown in FIG. As an example of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 18 to request for issuance of the gift certificate. It will be possible to infer various implementation methods for the ledger configuration corresponding to the gift certificate account provided in the financial system for processing the deficit with the loan agreement, but the present invention includes all the implementation methods inferred from this figure 18 It is not limited only to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1800 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system Ledger D / B (1800) is provided with at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 18 It will be clearly understood that at least one additional information is included to further understand, and the specific technical matters for this will be understood. Detailed description is omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the gift voucher account for the processing using the loan agreement for a deficiency other than the value of the deposited gift voucher upon request for issuance of the gift voucher, and includes a customer information file (CIF) number and a country code. , Contact ID, sales office number, customer classification, customer name, customer address, area code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, Company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the gift voucher account for processing a deficit other than the value of the deposited gift voucher upon request of issuing the voucher, which is linked relationally with the customer ledger, and includes an account number, a CIF number, and a branch number. , Currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, It includes at least one of the date of final withdrawal, the amount of final withdrawal, the amount of final withdrawal, the number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic reception information including at least one or more of an account number corresponding to the ledger, the number of waivers (months), period (days), period extension, expiration date and target amount, and / or the account ledger Trust reception information including at least one corresponding account number, trust amount, par value, pension date and number of shares, and / or account number, transaction number, date, point number, commodity type, transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

Referring to this drawing t including the implementation method provided in the ledger D / B 1800 or the ledger D / B 1800 according to an embodiment of the present invention, Gift certificate account information including at least one of the customer information, gift certificate account attribute information, issueable gift certificate information, liquidity account connection information included in the gift certificate account opening application information provided through the illustrated gift certificate account opening system, and opening the gift certificate account Additional information type to add financial account information including at least one of liquidity account information including at least one of customer information and liquidity account attribute information, loan agreement information, and gift certificate account connection information included in the application information to the account ledger It is characterized by being stored as.

The issueable gift certificate information includes gift certificate type information, gift certificate issuer information, discount rate (or premium rate) for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. ) At least one or more information.

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

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

Further, the discount rate (or premium rate) information is a predetermined amount concluded with the gift certificate issuing agency when the amount of money corresponding to the blank gift certificate value (or gift certificate value) according to the issuance (or use) of the gift certificate issuer is settled. It is preferable to include a discount rate (or a premium rate) according to the agreement.

For example, when the discount rate is 10%, a blank gift certificate value corresponding to one million won is issued (or used) through the gift certificate account, and when the settlement of the issued (or used) gift certificate value is one million won, the gift certificate It is preferable that the amount of money for the settlement of the gift voucher and the settlement of issuance (or use) is 900,000 won.

The loan agreement application information includes a period of time (i.e., year, month, and day information) between the financial institution that restricts the loan agreement for a gift certificate loan through the gift certificate account and the owner of the gift certificate account. Loan term information including, loan mortgage information corresponding to the amount to be loaned during the loan period during the loan period, loan interest rate information corresponding to the interest rate for the loan amount, corresponding to the loan, through the loan agreement, the gift certificate account It is preferable to include at least one or more loanable amount information set (or requested) by the customer owning.

The loan collateral information of the loan agreement application information is information for setting a predetermined collateral in order to minimize the risk of a loan at a financial institution when a predetermined loan is made through the gift certificate account. It is preferable to include the required deposit and real estate such as house, land, and credit corresponding to the customer, and in the case of credit to the customer, it is preferable to include credit information without setting a loan collateral. Do.

In addition, the loan collateral information in the loan agreement application information is a predetermined loan at the time of the loan through the gift certificate account, if the type set as the loan collateral is required deposit, such as savings, when the demand deposit expires (or cancellation), the gift certificate account (Or liquidity account) is preferably set to repay the loan loan first, and when the required deposit expires (or terminates) according to the intention and purpose of those skilled in the art, convert the deposit to another deposit, or expire If you are applying for an extension, it is advisable not to process the repayment process first.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the gift voucher account opening system corresponding to the customer It is preferable to make it.

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

The liquidity account connection information may be used to withdraw a gift voucher (or use) when a predetermined gift voucher issue (or use) occurs from the gift voucher account and withdraw an amount corresponding to the blank voucher value (or voucher value) issued. A financial account for the settlement process, including at least one of an account number assigned to the financial account, a name of the account holder of the financial account, a gift certificate account number linked to the financial account, and a customer information file (CIF) number; It is preferable to make it.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

The discount rate information is applied to the liquidity account through a predetermined amount adjustment to the blank gift certificate value when an amount corresponding to the blank gift certificate value used through the gift certificate account is applied to the liquidity account when the predetermined gift certificate is used from the gift certificate account. It is desirable to include a discount rate for application.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, it is preferable to withdraw cash from the liquidity account applying the predetermined discount rate.

The liquidity account attribute information may be processed to withdraw and settle an amount corresponding to the value of a gift certificate value issued (or used) through the gift certificate account through the financial account when the customer joins a financial account corresponding to the gift certificate account. Preferably, the account number is provided to the liquidity account linked to the gift certificate account, the account holder name of the financial account, interest rate information, and the like.

The gift certificate account connection information is a financial account in which a blank gift certificate value (or gift certificate value) is withdrawn when a predetermined gift certificate issuance (or use) occurs from the gift certificate account, and is assigned to the financial account. It is preferable to include at least one account number, the account holder name of the financial account, a gift certificate account number associated with the financial account, a Customer Information File (CIF) number and the like.

For example, when a gift certificate worth 1 million won is issued (or used) through the gift certificate account, the information provided to the customer is issued with a blank gift certificate value (or gift certificate value) equivalent to 1 million won from the gift certificate account. In the financial institution, if the discount rate is set to 10%, the cash account corresponding to one million won worth of gift certificates issued (or used) from the gift certificate account is used for the liquidity account. It is preferable that the withdrawal processing from is carried out.

When the predetermined amount is deposited into the liquidity account, the premium rate information is a premium rate for balancing processing between the value of the gift certificate value to be displayed on the gift certificate account and the cash deposited in the liquidity account when the deposit amount is applied to the gift certificate account. It is preferable to comprise a.

For example, when cash equivalent to one million won is deposited into the liquidity account, and the premium rate set in the liquidity account is 10%, the amount that can be withdrawn through the gift certificate account is preferably 1.1 million won.

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

19A and 19B illustrate a shortage other than the value of the deposited gift certificate when a request for issuance of a gift certificate is made in accordance with an embodiment of the present invention, when a request for issuance of the gift certificate is executed in a non-face-to-face manner for processing by using a loan agreement. Is a diagram illustrating a process of processing a financial transaction for processing using a loan agreement.

In more detail, FIGS. 19A and 19B illustrate a case where a financial transaction server on the financial transaction system shown in FIG. 17 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server and connecting a communication channel for the financial transaction, the gift certificate account information, gift certificate issuance (or use) request value information, transaction authentication information, and gift certificate to the financial transaction server through the communication channel. When the financial transaction request information including type information is transmitted, gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information included in the received financial transaction request information are sent from the financial transaction server. When requesting issuance of the gift certificate by using the The present invention relates to an implementation method for providing a financial transaction for processing, and a person of ordinary skill in the art may refer to and / or modify the present inventions 19a and 19b in a non-face-to-face manner. Upon request for issuance, various implementation methods may be inferred for the process of processing a financial transaction for the processing using a loan agreement for a deficiency other than the value of the deposited gift certificate, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in this figure 19a and 19b.

In the following figures 19a and 19b, the client terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the financial transaction server shown in FIG. 17 is referred to as "server" for convenience.

19A and 19B, a terminal shown in FIG. 17 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, and when the terminal is a wireless terminal, CDMA based mobile). A request for issuance of the gift certificate by accessing the server through a communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based mobile Internet, etc. When requesting a financial transaction (1900), in response to the request for issuance of the gift certificate, the server sends a gift certificate account information for processing a deficit other than the value of the gift certificate value by using a loan agreement, information on the amount of gift certificate issuance (or use), A web page including a user interface for inputting (or selecting) financial transaction request information including at least one of transaction authentication information and gift certificate type information. And if the transmission to the mobile station generates (or extracts) via the communication channel output 1905.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface (1910). ).

If the terminal receives (or selects) financial transaction request information including the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface (1915), The terminal transmits the entered (or selected) gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information to the server through the communication channel (1920). The transmission (or selection) of the gift voucher account information, gift voucher issuance (or use) request amount information, transaction authentication information, and gift voucher type information to the server may be input (or selected) through the user interface. The electronic signature and / or encryption through the secured transaction request information (not shown) provided in the terminal to the server. It further comprises that it is preferable.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving), characterized in that the amount of the gift voucher (or use) does not exceed the balance deposited in the gift certificate account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. And not exceeding the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information, when requesting issuance of the gift certificate, the confidentiality, authentication, integrity and nonrepudiation of the financial transaction for processing the shortfall other than the value of the gift certificate value deposited using the loan agreement. Information for securing at least one or more of the), characterized in that it comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the gift certificate account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information is the official certificate information provided in the financial transaction terminal 1745 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1745), or the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on at least one encryption key included in the electronic device, or attaching the electronic signature of the customer to the financial transaction request information.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate or xxx shoe gift certificate.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

Thereafter, the server receives and reads the financial transaction request information including at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the communication channel. Checking the validity of the request information (1925), and confirming the validity of the financial transaction request information, the electronic signature and / or encryption through the security module (not shown) the financial transaction request information is provided in the terminal In this case, the financial transaction request information may be decrypted, and / or the financial transaction request information may be further included.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the gift certificate account information included in the financial transaction request information in the ledger D / B 1800 on the financial system. (Or check whether the customer ledger corresponding to the gift certificate account) is provided, if the account ledger (or customer ledger corresponding to the gift certificate account) is provided in the financial transaction request information It is desirable that the validity of the certificate is verified.

In addition, the validity of the financial transaction request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account) the financial transaction request And checking whether the amount of gift certificate issued (or used) is greater than the amount of the gift certificate issued (or used) included in the information. It is desirable to be authenticated.

In addition, the validity check of the financial transaction request information is an account provided in the ledger D / B (1800) on the financial system corresponding to the various passwords and the gift certificate account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account. It is preferable to include whether the security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. When encrypted through a cryptographic key included in the certificate, the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not the decryption is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validation of the gift certificate issuance request information is matched with the issueable gift certificate information among the gift certificate account information provided in the ledger D / B (1800) on the financial system corresponding to the gift certificate type information included in the gift certificate issuance request information It is preferable to include checking whether or not.

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

On the other hand, if the validity of the financial transaction request information is authenticated (1930), the server confirms a deposit for the financial transaction request information in association with the financial system (1931).

According to the exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist in the same system, the deposit checking unit 1730 is a blank deposited in a gift certificate account of the customer's name on the financial system. It is desirable to identify the gift card value (or gift card value).

According to another exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1730 may perform a predetermined communication means. It is preferable to request confirmation of a blank gift certificate value (or gift certificate value) deposited in a gift certificate account of the customer's name on the other financial system through an external system on the financial system.

If the deposit confirmed by the server is greater than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Value) (1932), the server processes the financial transaction corresponding to the financial transaction request information (1935).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal through the information transmission unit to issue.

Alternatively, the issued voucher can be issued through a predetermined voucher issuing means (for example, mobile phone, e-mail, DM delivery, etc.) designated by the customer in addition to the store terminal, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

On the other hand, if the deposit confirmed by the server is less than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Greater than value) (1932), the server checks the loan agreement for the gift certificate account in association with the financial system (1933).

According to the exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist in the same system, the loan approval processing unit 1735 contracts a loan for a gift certificate account of the customer's name on the financial system. It is preferable to check whether there is a loan agreement, and when the loan agreement is concluded, it is preferable to further check the loanable amount information included in the loan agreement.

In addition, when providing a loan according to the loan agreement, the loan is preferably provided to a liquidity account connected to the gift certificate account.

According to another exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1730 may perform a predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer's name on the other financial system through the external system on the financial system.

If the loan agreement is not concluded (1934), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the error information (or use) of the gift certificate (1935). The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a communication channel (1955). In response, the terminal outputs the financial transaction result including the financial transaction processing history (1960). .

On the other hand, when the loan agreement is concluded (1934), the server is connected to a financial system equipped with an account ledger corresponding to the gift certificate account, the gift certificate account information included in the financial transaction request information, issuance (or use) of the gift certificate When requesting issuance of the gift certificate based on the requested amount information, transaction authentication information, and gift certificate type information, a financial transaction for processing a deficit other than the value of the deposited gift certificate is processed using a loan agreement (1940).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal through the information transmission unit to issue.

Alternatively, the issued voucher can be issued through a predetermined voucher issuing means (for example, mobile phone, e-mail, DM delivery, etc.) designated by the customer in addition to the store terminal, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

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

20A, 20B, and 20C illustrate a gift certificate deposited in a non-face-to-face request for processing using a loan agreement for a deficiency other than the value of the deposited gift certificate upon request for issuance of a gift certificate according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for processing a deficiency other than value using a loan agreement.

In more detail, FIGS. 20A, 20B, and 20C illustrate that the client terminal is based on TCP / IP when the financial transaction system illustrated in FIG. 17 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server through a network (for example, the Internet) and performing a predetermined customer authentication procedure, when a client certificate issuance request is made at the client terminal, a deficiency other than the deposited gift certificate value is processed for the loan agreement. When the financial transaction request information is transmitted to the Internet banking server, the financial transaction request information including the gift certificate account information, the gift certificate issue (or use) request amount information, the transaction authentication information, and the gift certificate type information is transmitted. Gift voucher account information, gift voucher issuance (or The present invention relates to an implementation method for providing a financial transaction for processing by using a loan agreement for a deficiency other than the value of a deposited gift certificate when requesting issuance of the gift certificate using the requested amount information, transaction authentication information, and gift certificate type information. Those skilled in the art may refer to and / or modify the drawings 20a, 20b, and 20c to request for issuance of gift certificates in a non-face-to-face manner other than the Internet banking. Various implementation methods for the process of processing a financial transaction for processing using a loan agreement may be inferred, but the present invention includes all the implementation methods inferred from the above, and the implementation method illustrated in FIGS. 19A and 19B. It is not limited.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 20A, 20B, and 20C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial transaction request information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the technical field to which the present invention pertains. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 20A, 20B, and 20C. Terminal and Internet Banking Book Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering financial transaction request information therebetween, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a, 20b and 20c, All other non-face-to-face banking systems of at least one type including at least one of a telebanking system and / or a wireless banking system and / or a TV banking system, upon requesting the issuance of the voucher, a deficit other than the value of the deposited voucher is processed. It is possible to infer an implementation method of connecting a financial transaction channel corresponding to each non-face-to-face channel for financial transaction processing. However, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system. Or all types of non-face-to-face channel-based financial transactions, including the proposed non-face-to-face banking system It includes, and is a technical configuration of the present invention is not limited to the case of the Internet banking illustrated in the figure 20a and figure 20b and 20c drawings in no way.

20A, 20B, and 20C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial transaction server is referred to as " server " for convenience.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Subsequently, when the terminal requests for issuance of the gift certificate to the server through the financial transaction channel, the terminal requests an internet banking-based financial transaction for processing by using a loan agreement for a deficiency other than the value of the deposited gift certificate (2000b). The server includes at least one voucher account information, a voucher issuance (or use) request amount information, transaction authentication information, voucher type information for processing a deficiency other than the deposited voucher value when using the loan agreement when the voucher issuing request. A web page including a user interface for inputting (or selecting) financial transaction request information is generated (or extracted) and transmitted to the terminal through the financial transaction channel (2005b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface (2010b). ).

If the terminal receives (or selects) financial transaction request information including the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the user interface (2015b), The terminal transmits the entered (or selected) gift certificate account information, gift certificate issuance (or use) request amount information, transaction authentication information, and gift certificate type information to the server through the financial transaction channel (2020b). The transmission (or selection) of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the financial transaction channel is input (or selected) through the user interface. ) The server by digitally signing and / or encrypting the financial transaction request information through a security module (not shown) provided in the terminal. It is preferable that the transmission further comprises.

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

When the gift certificate issuance (or use) request amount information is requested for issuance of the gift certificate, a shortage other than the value of the deposited gift certificate is withdrawn from the gift certificate account for processing using the loan agreement (or payment processing for the product purchased by the customer (or Gift voucher issuance (or use) amount for receiving the gift voucher, and the amount of the voucher issuance (or use) does not exceed the balance deposited in the voucher account.

In addition, when the amount of the gift certificate usage amount exceeds the balance deposited in the gift certificate account, when the loan agreement is applied to the gift certificate account (or the liquidity account associated with the gift certificate account), the loan agreement is applied. It is characterized in that it does not exceed the sum of the gift certificate value (or amount) loanable from the gift certificate account (or liquidity account) and the balance deposited in the gift certificate account.

The transaction authentication information, when requesting issuance of the gift certificate, the confidentiality, authentication, integrity and nonrepudiation of the financial transaction for processing the shortfall other than the value of the gift certificate value deposited using the loan agreement. Information for securing at least one or more of the), characterized in that it comprises at least one password corresponding to the gift certificate account, or a password corresponding to the financial transaction.

In addition, when the voucher issuance request, the financial transaction system for non-face-to-face channels for the processing of the deficit other than the value of the deposited gift voucher is carried out through a non-face-to-face channel, the transaction Authentication information further comprises at least one or more security code information provided in the security card provided to the customer in the process of opening the gift certificate account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, when the gift certificate issuance request, the financial transaction system for non-face-to-face processing for the processing of the deficit other than the value of the deposited gift certificate through the loan agreement, characterized in that the transaction, characterized in that the transaction Authentication information is the official certificate information provided in the financial transaction terminal 1745 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1745), or the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on at least one encryption key included in the electronic device, or attaching the electronic signature of the customer to the financial transaction request information.

The voucher type information is a voucher name (or any one of store information about a store selling the product and a voucher available in a store) for issuing the blank voucher value deposited in the voucher account as a voucher at the point of use of the voucher. Gift certificate type), and when the gift certificate is issued, it is preferable to include at least one or more serial number (or code) information to be given to the gift certificate.

For example, the name of the gift certificate (or the type of gift certificate) preferably includes a name of an affiliated store to which the store visited by the customer belongs, namely xxx department store gift certificate, xxx shoe gift certificate, or the like.

In addition, the serial number (or code) information is given to the gift certificate for the purpose of managing the gift certificate, if the blank gift certificate value deposited in the gift certificate account through the merchant is issued (or settled) as the merchant gift certificate. It is preferable to include the number (or code) which becomes.

Thereafter, the server receives and reads the financial transaction request information including at least one of the gift certificate account information, gift certificate issue (or use) request amount information, transaction authentication information, and gift certificate type information through the financial transaction channel. Checking the validity of the transaction request information (2025b), and confirming the validity of the financial transaction request information, the electronic signature and / or through the security module (not shown) provided with the financial transaction request information in the terminal If encrypted, preferably further comprising decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the gift certificate account information included in the financial transaction request information in the ledger D / B 1800 on the financial system. (Or checking whether the customer ledger corresponding to the gift certificate account) is provided, and if the account ledger (or the customer ledger corresponding to the gift certificate account) is provided, It is desirable that the validity be authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the gift certificate account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account) the financial transaction request And checking whether the amount of gift certificate issued (or used) is greater than the amount of the gift certificate issued (or used) included in the information. It is desirable to be authenticated.

In addition, the validity check of the financial transaction request information is an account provided in the ledger D / B (1800) on the financial system corresponding to the various passwords and the gift certificate account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the gift certificate account. It is preferable to include whether the security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1745, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validation of the gift certificate issuance request information is matched with the issueable gift certificate information among the gift certificate account information provided in the ledger D / B (1800) on the financial system corresponding to the gift certificate type information included in the gift certificate issuance request information It is preferable to include checking whether or not.

If the validity of the financial transaction request information is not authenticated (2000c), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (2005c), and the financial transaction The financial transaction result information including the financial transaction processing history is transmitted to the upper terminal through the channel (2045c). In response, the terminal outputs the financial transaction result including the financial transaction processing history (2050c).

On the other hand, if the validity of the financial transaction request information is authenticated (2000c), the server checks the deposit for the financial transaction request information in connection with the financial system (2005c).

According to the exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist in the same system, the deposit checking unit 1730 is a blank deposited in a gift certificate account of the customer's name on the financial system. It is desirable to identify the gift card value (or gift card value).

According to another exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist on another system connected through a predetermined communication means, the deposit confirmation unit 1730 may perform a predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer's name on the other financial system through the external system on the financial system.

If the deposit confirmed by the server is greater than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Value), the server processes the financial transaction corresponding to the financial transaction request information (2030c).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal through the information transmission unit to issue.

Alternatively, the issued voucher can be issued through a predetermined voucher issuing means (for example, mobile phone, e-mail, DM delivery, etc.) designated by the customer in addition to the store terminal, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

On the other hand, if the deposit confirmed by the server is less than the amount included in the financial transaction request information (that is, the amount of the gift certificate issuance (or use) included in the financial transaction request information, the blank gift certificate value deposited in the gift certificate account (or gift certificate). Greater than value) (2010c), the server checks the loan agreement for the gift certificate account in association with the financial system (2015c).

According to the exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist in the same system, the loan approval processing unit 1735 contracts a loan for a gift certificate account of the customer's name on the financial system. It is preferable to check whether there is a loan agreement, and when the loan agreement is concluded, it is preferable to further check the loanable amount information included in the loan agreement.

In addition, when providing a loan according to the loan agreement, the loan is preferably provided to a liquidity account connected to the gift certificate account.

According to another exemplary embodiment of the present invention, when the financial institution server 1700 and the financial system exist on another system connected through a predetermined communication means, the server is connected to the financial system through the predetermined communication means. It is desirable to request confirmation of the blank gift certificate value (or gift certificate value) deposited in the gift certificate account of the customer name on the other financial system through the alien world.

If the loan agreement is not concluded (2025c), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the error information (or use) of the gift certificate (2005c). ), The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (2045c), and in response, the terminal outputs a financial transaction result including the financial transaction processing history. (2050c).

On the other hand, if the loan agreement is concluded (2025c), the server is connected to a financial system equipped with an account ledger corresponding to the gift certificate account, the server is issued a gift certificate account information, gift certificate issued in the financial transaction request information ( Or use) When a request for issuance of the gift certificate is made based on the requested amount information, transaction authentication information, and gift certificate type information, a financial transaction for processing using a loan agreement is processed for a deficiency other than the value of the deposited gift certificate (2040b).

According to the implementation method of the present invention, the server is linked to the financial system, the amount corresponding to the request amount information (issuance (or use)) of the gift certificate information from the account ledger corresponding to the gift certificate account information included in the gift certificate issuance request information (that is, And withdrawing the blank gift certificate value (or gift certificate value) deposited in the gift certificate account and issuing and processing it as a gift certificate that can be used (or designated by the customer) at the affiliated store where the gift certificate is used, and corresponds to the issued gift certificate. It is preferable to transmit the gift certificate information to the store terminal through the information transmission unit to issue.

Alternatively, the issued voucher can be issued through a predetermined voucher issuing means (for example, mobile phone, e-mail, DM delivery, etc.) designated by the customer in addition to the store terminal, and the present invention is not limited thereto.

For example, if a blank gift voucher value of 1 million won is deposited in the gift voucher account, the customer (or a store which requests the payment for the product purchase when the customer visits and purchases a product) corresponds to 500,000 won When requesting issuance of A gift certificate, it is preferable to issue A gift certificate worth 500,000 won from the gift certificate account under the customer's name and provide it to the customer.

In addition, the remaining balance of 500,000 won in the gift certificate account can be processed by issuing a portion (or the total amount) of the balance as a gift certificate, such as A or B gift certificate.

If a financial transaction corresponding to the financial transaction request information is processed (2045b), the server may provide a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. Generate (2050b), and transmit financial transaction result information including the financial transaction processing history to the terminal through the financial transaction channel (2055b), and correspondingly, the terminal includes the financial transaction processing history; The result is displayed on the screen (2060b).

According to the present invention, by adding a loan agreement to the gift certificate account, there is an advantage that a shortage other than the amount deposited in the gift certificate account by the loan agreement can be further used through the gift certificate account.

In addition, when a loan agreement is entered into a gift certificate account, when collateral is applied to demand deposits such as savings, it is possible to minimize the risk of loans from the financial institution's point of view by processing it to be repaid first.

Claims (5)

Receiving means for receiving a preamble request for issuing or using a gift voucher value deposited in a customer voucher account (or account); Confirmation means for confirming whether, through the gift certificate account (or the account) of the customer, gift certificate value issuance or use included in the preamble for the received gift certificate value issuance or use authorization request is available; As a result of the verification, when the gift certificate value issuance or use included in the received gift certificate value issuance or use approval request text is available through the customer's gift certificate account (or account), the response to the gift certificate value issue or use authorization request is Issuance or use of the gift voucher value included in the pre-receipt of the received gift voucher value issuance or use authorization request due to the lack of the balance of the voucher value deposited in the customer's voucher account (or account) as a result of the approval response. If it is not possible, approval processing means for applying for a loan execution for replenishing insufficient voucher value; Loan processing means for charging a loan amount on the customer voucher account (or account) or the customer securitization account (or account) associated with the gift certificate account (or account) to the amount corresponding to the insufficient gift certificate value as a loan amount; Characterized in that, The approval processing means, When the amount corresponding to the insufficient gift certificate value is charged through the loan processing means, processing the approval response corresponding to the request for issuance or use authorization value of the gift certificate value is set up a loan voucher account (or account) operating system. The method of claim 1, wherein the approval processing means, Loan to charge insufficient voucher value when it is impossible to issue or use the voucher value included in the received voucher value issuance or request for use authorization due to insufficient balance of voucher value deposited in the customer's voucher account (or account). Before applying for a run, Check whether a loan agreement is already set in the customer voucher account (or account) or the customer securitization account (or account) associated with the gift certificate account (or account), As a result of the above confirmation, if the loan agreement is already set, it automatically applies for loan execution to fill the insufficient gift certificate value, If the loan agreement is not set as a result of the check, the gift card account (or account) operating system with a loan agreement is set, characterized in that obtaining a loan approval to the customer. The method of claim 1, wherein the loan processing means, A gift certificate account (or account) operating system in which a loan agreement is set, wherein the property owned, such as the savings account of the customer's name, is set as collateral according to the loan execution. Receiving, at the server, the full text of the gift voucher value issuance or use authorization request deposited in the gift voucher account (or account) of the customer; Verifying, by a server, whether or not a voucher value issuance or use included in the received gift voucher value issuance or use authorization request text is available through the customer's voucher account (or account); As a result of the checking, when the gift certificate value issuance or use is available through the gift certificate account (or account) of the customer, which is included in the full text of the received gift certificate value issuance or use approval request, the server may request to issue or use the gift certificate value. Process a corresponding approval response and issue a gift voucher value included in the preamble to the received gift voucher value issue or use authorization request due to the lack of the balance of the gift voucher value deposited in the customer's voucher account (or account). If it is not available, requesting a loan execution for recharging the insufficient gift certificate value at the server; And When the amount corresponding to the insufficient value of the gift certificate value is filled with the loan amount, processing the approval response corresponding to the request for issuing or using the gift certificate value in the server; gift voucher account with the loan agreement is set to include ( Or account). A computer-readable program recording medium having recorded thereon a program for executing the method of claim 4.

Images