KR20090040793A - System and method for operating financial account using non-faced channel and recording medium - Google Patents

Abstract

A system and a method for operating a financial account by using a non-faced channel and a recording medium are provided to open a connection account through a basis account, thereby opening a new financial account through a safety method. When a window terminal is connected to a virtual account opening server(800) through an interface unit(815), an interface provider(820) generates or extracts a user interface and provides the user interface to the window terminal. An information receiver(825) receives virtual account opening application information. An information checking unit(830) checks remote transactional contract setting information by checking basis account information included in the virtual account opening application information. An information generator(835) produces predetermined virtual account ledger information corresponding to a linked account opened to the client.

Description

System and Method for Operating Financial Account using Non-faced Channel and Recording Medium}

1 is a diagram illustrating a system of establishing a face-to-face account for a face-to-face system for establishing a grounded account in which a customer has faced a financial institution and completed a real name verification procedure according to the law according to an exemplary embodiment of the present invention.

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

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

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

5A and 5B are diagrams illustrating a process of opening a grounded account for establishing a grounded account after a customer has faced a financial institution in a face-to-face manner according to one embodiment of the present invention and has completed the real name verification procedure according to the law.

6A and 6B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer faces a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention and has completed the real name verification procedure according to the law.

7A and 7B are diagrams illustrating a process of opening a grounded account for establishing a grounded account after a customer has faced a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention and has completed the real name verification procedure according to the law.

8 is a view showing a connection account opening system for opening a connection account using a remote means using an already established base account according to an embodiment of the present invention.

9 is a view showing the configuration of a virtual account ledger for opening a linked account using a remote means using a pre-opened account according to an embodiment of the present invention.

10 is a diagram illustrating a process of opening a connection account for opening a connection account using a remote means using an already established base account according to an embodiment of the present invention.

11 is a diagram illustrating a face-to-face financial transaction system for transferring funds between a linked account and a grounded account according to an embodiment of the present invention.

12 is a diagram illustrating a ledger configuration corresponding to a linked account included in a financial system for a face-to-face financial transaction for transfer of funds between a linked account and a grounded account according to an embodiment of the present invention.

13 is a diagram illustrating a process of processing a financial transaction for transfer of funds between a linked account and a grounded account in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

800: virtual account opening server 805: fax data receiving unit

810: information providing unit 815: interface unit

820: interface providing unit 825: information receiving unit

830: information verification unit 835: information generation unit

840: information storage unit 845: voice data receiver

850: transaction authentication processing unit 855: storage medium

860: financial system

The present invention comprises the steps of storing the information on the storage medium by connecting the base account information and the remote transaction agreement setting information obtained from the customer agreement agreement for the remote transaction in the server, and the customer for the remote transaction through a non-face-to-face channel When requesting to open a financial account linked to a grounded account, the server receives customer information and grounded account information from the terminal, and the server confirms the remote transaction agreement setting information linked to the received grounded account information through the storage medium. And, if the remote transaction agreement is previously set in the evidence account, opening a financial account linked to the evidence account according to the customer's request. It is about.

Due to the development of the financial industry, various types of financial transaction services are provided, and these financial transaction services have to be accompanied by the development of information and communication technology.

Among them, busy modern people, in the case of using non-face-to-face channels such as telephone or fax when providing financial transaction services, have to provide financial transaction services without facing each other, without having to face a customer's face.

To this end, a method such as voice recording of a customer may be used, but such a method is difficult to see as a method of providing a financial transaction service in a practical part only when the problem occurs in the future.

An object of the present invention for solving the above problems, when a customer requests to open a financial account connected to a pre-set basis account for a remote transaction through a non-face-to-face channel, the server receives the customer information and the base account information from the terminal Means for confirming whether or not to set a remote transaction agreement associated with the received base account information; and, if the remote transaction agreement is previously set in the base account, the basis account according to the customer request; The present invention provides a financial account management system using a non-face-to-face channel including a means of opening a linked financial account.

In accordance with an aspect of the present invention, a method of operating a financial account using a non-face-to-face channel may include storing, on a storage medium, by connecting a reference account information obtained from a customer to a remote transaction agreement with a remote transaction agreement setting information on a server, and storing the information on a storage medium by the customer. When a contract for a remote transaction is requested to open a financial account linked to a predetermined account through a face-to-face channel, the server receives customer information and the basis account information from the terminal, and the server receives the basis of the received account through the storage medium. Checking the remote transaction agreement setting information linked to the account information; and if the remote transaction agreement is previously set in the evidence account, opening a financial account linked to the evidence account according to the customer request. It is characterized by comprising.

In the method of operating a financial account using a non-face-to-face channel according to the present invention, when the financial account is a financial product linked account for investment, the product information, terms and conditions information, investment description of the financial product for the investment to the terminal of the customer It further comprises the step of providing at least one or more information.

The method for operating a financial account using a non-face-to-face channel according to the present invention includes the steps of checking the deposit account information included in the transfer transaction request information when the transfer transaction request information is received through the financial account connected to the base account; Checking whether the confirmed depositing side account information matches the base account; and if the confirmed depositing side account information matches the base account, the transfer transaction corresponding to the transfer transaction request information is determined. And if the depositing side account information is different from the base account, notifying the transfer transaction processing corresponding to the transfer transaction request information.

In the method of operating a financial account using a non-face-to-face channel according to the present invention, when the non-face-to-face channel is a voice call channel, the voice data of the customer is read to process authentication for the customer, or the voice data of the customer is read. And storing the data in a storage medium.

On the other hand, it includes a computer-readable recording medium recording a program for executing the financial account operating method using the aforementioned non-facing channel.

On the other hand, the financial account operating system using a non-face-to-face channel according to the present invention, when a customer requests to open a financial account connected to a pre-set account for a remote transaction through a non-face-to-face channel, the server and the customer information from the terminal Means for receiving base account information, means for confirming whether a remote transaction agreement is set up with the received base account information, and if the remote transaction agreement is previously set in the base account, And means for opening a financial account linked to the base account according to the present invention.

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.

Hereinafter, in the present invention, when opening a new base account, it is shown that opening the base account further comprising the remote transaction agreement setting information, by which the present invention is not limited, and the remote transaction agreement setting information in the previously opened financial account You can also open a supporting account that further includes.

In addition, in the present invention, a financial account linked to a grounded account is referred to as a 'linked account' for convenience.

In this case, it is preferable that the base account is a financial account that has been verified with a real name, and the linked account is a financial account that is opened using a non-face-to-face channel which has not been verified with real name.

1 is a diagram illustrating a system for establishing a face-to-face account for a face-to-face system for opening a grounded account for which a customer has faced a financial institution and completed a real name verification procedure according to the law according to one embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer prepares an application for opening a foundation account including at least one of predetermined customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information, and is provided to a predetermined financial institution. When submitted to the counter, the financial institution provides a supporting account for the opening of a grounded account for which the client has completed the real name verification procedure in accordance with the law based on the application for opening the grounded account corresponding to the application for opening the grounded account. The present invention relates to a system configuration for establishing and storing the base account information for managing the base account in a predetermined storage medium 180. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or a modified account for the establishment of a grounded account in which the customer has faced the financial institution and completed the legal name verification procedure in accordance with the law. Various implementation methods for the establishment system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 1 to establish a grounded account, which omits the method of storing the grounded account application requesting electronic document in the electronic document storage. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the foundation account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic document opening 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, as shown in FIG. 1, in the method for generating the base account opening application electronic document, a base account opening application electronic document corresponding to the base account opening application is generated on the server side on the base account opening system. Although the present invention is not limited by this, the present invention is not limited thereto, and the electronic device for establishing an open account is generated by a terminal that has acquired image content corresponding to the electronic device for opening an account. (Eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the base account opening application electronic document), and the present invention is not limited thereto.

Hereinafter, the customer opens the foundation account in response to the application for opening the foundation account and the application for establishing the foundation account through the predetermined financial account opening interface on the foundation account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a corresponding electronic document opening request electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for establishing a grounded account for opening a grounded account in which the customer has completed the real name verification procedure according to the law in the face of a financial institution includes at least one branch of a financial institution (or a branch). And a terminal device 195 including a window terminal provided at the terminal), wherein the terminal device 195 is provided with a financial company server 100 provided on the foundation 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) to open a grounds account in which the customer has faced a financial institution and has completed the real name verification procedure according to the law, and the branch of the financial institution branch (branch branch) Through a window (or through a clerk) that a client faces a financial institution and completes a document based on the legal name verification process (e.g., the client Face-to-face, a document with a form for filling in at least one item of information for opening a grounded account that has completed the legal name verification process in accordance with the law). In order to seal the seal of the customer is preferable.

Subsequently, when the customer submits the prepared grounded account opening application to the counter staff, the counter staff scans the grounded account opening application through a predetermined image acquiring device to acquire predetermined image contents, and the predetermined counter terminal. The application information for opening the foundation account including at least one of the image contents acquired in response to the application for opening the foundation account and at least one of customer information, remote transaction agreement setting information, recording consent information, and designated telephone number information written in the foundation account opening application. In response thereto, it is preferable that the counter terminal transmits the image contents and the application for opening the foundation account to the financial institution server 100 provided on the foundation account opening system through the financial network. .

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 185 It is preferable to include a provided server (eg, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is connected to the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the grounded account opening system as described above, the image acquisition device for acquiring the image content corresponding to the grounded account opening application prepared by the customer, the teller terminal used by the employee and the teller terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for the customer to register the application for opening a grounded account in order to open a grounded account for which the customer has completed the real name verification procedure according to the law in the face of the financial institution.

The storage medium 180 provided on the ground account opening system according to the present invention includes the customer information and remote transaction agreement setting information and recording agreement information included in the ground account opening application information provided from the terminal device 195. Storing the base account information including at least one designated phone number information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 185 associated with the foundation account opening system in response to the customer, may be written. It is preferable to include one or more.

The remote transaction agreement setting information is a financial transaction service using a non-face-to-face channel, such as a new account, or a non-face-to-face channel, such as a telephone fax, after the customer visits a financial institution, and opens a new account based on the account opening system. It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

The designated phone number information is when the customer uses the financial transaction service through the non-face-to-face channel, the financial institution to the customer confirmation of identity or instructions for the remote transaction request, confirmation of receipt of investment prospectus and terms, It is preferable that it is a number for a designated telephone line between the customer and the financial institution for checking whether or not the product main contents are explained, and may be made in plural numbers according to the intention and purpose of those skilled in the art.

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

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

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

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

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the customer is a financial institution. Face-to-face and acquire an image content corresponding to the application for opening a foundation account created by the customer through a predetermined image acquisition device provided in the terminal device 195 to establish a foundation account after completing the real name verification procedure according to the law; Generate (or extract) at least one user interface for inputting (or selecting) the foundation account opening application information corresponding to the foundation account opening application and transmitting it to the financial institution server 100, and linking with the interface unit 105. Interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 195, and When the terminal device 195 inputs (or selects) the foundation account opening application information corresponding to the foundation account opening application through the user interface and transmits the information, the terminal device 195 is connected to the interface unit 105 to transmit the information. The base account created by the customer through the information receiving unit 115 (or information receiving means) for receiving the transmitted base account opening request information, and a predetermined image acquisition device based on the user interface in the terminal device 195. When the image content corresponding to the establishment application is obtained and transmitted, an image receiving unit 120 (or an image receiving unit) for receiving the image content corresponding to the foundation account opening application in connection with the interface unit 105 is provided. It is characterized by.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105 through the interface unit 105, and then the customer finances the financial institution server 100. When the user interface requesting the user interface for opening the foundation account that has completed the real name verification procedure according to the law in response to the agency, the application corresponding to the foundation account opening application prepared by the customer through the predetermined image acquisition device provided in the terminal device 195 Generating at least one user interface for acquiring image contents, inputting (or selecting) ground account opening application information corresponding to the ground account opening application, and transmitting the same to the financial institution server 100 through the financial network; And / or extracted from a predetermined database (not shown), and generated (or extracted) in conjunction with the interface unit 105. To provide an interface to the terminal device 195 through the financial network features.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to the application for opening a foundation account created by the customer through a predetermined image acquisition device, and opens a foundation account corresponding to the foundation account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the grounded account opening application prepared by the customer through the input, inputting (or selecting) grounded account opening application information corresponding to the grounded account opening application, and transmitting the information to the financial institution server 100. An interface that generates (or extracts) an interface and provides it to the terminal device 195. 'S provider 110 and mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal device 195 inputs (or selects) the basis account opening application information including at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information through the user interface. In addition, the input (or selected) basis account opening application information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 is connected with the interface unit 105 to the terminal. And receiving the application for opening the foundation account, which is transmitted from the device 195.

In addition, the terminal device 195 obtains the image content corresponding to the application for opening the foundation 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 120 receives the image content corresponding to the application for opening the base account in association with the interface unit 105.

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

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

Referring to FIG. 1, if the financial institution server 100 receives the foundation account establishment application information transmitted from the terminal device 195 through the information receiver 115, the received foundation account establishment application information is displayed. It is characterized in that the customer is provided with a validating unit 125 (or validating means) for confirming whether the customer satisfies the validity for the establishment of the grounded account after completing the real name verification procedure in accordance with the law.

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

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and establishes the base account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 (or electronic document generating means) for generating a predetermined electronic account opening application electronic document including the received image content, and the generated basis account opening And an electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the requested electronic document to an electronic document repository associated with the foundation account opening system.

The electronic document generating unit 130 generates a grounded account opening request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an embodiment of the present invention, the electronic document generation unit 130 is an image file including the image content received from the terminal device 195 through the image receiving unit 120 as the customer is a financial institution It is advisable to treat electronic documents as a request for opening a grounded account to open a grounded account that has completed the real name verification process according to the law.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. An image file corresponding to an image content including at least one or more of customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information by watermarking may be applied to the law by the customer. It is desirable to generate an electronic document for applying for opening a grounded account for opening a grounded account after completing the real name verification process.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is advisable to create an electronic document to apply for opening a foundation account for the establishment of a foundation account that has completed the real name verification procedure according to the law.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including image information including at least one or more of customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information by watermarking, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is recommended that the customer create an electronic document to apply for the opening of a grounded account to open a grounded account that has completed the legal name verification process in accordance with the law. desirable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the application information for opening the grounded account, or the MHT By generating a web document file, etc.), it is preferable that the customer generates an electronic document for applying for establishing a grounded account for establishing a grounded account for which the customer has faced the financial institution and completed the real name verification procedure according to the law.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more of customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information by a watermarking method, and the generated image content and the application for opening the base account. 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.), the client establishes a foundation account for the establishment of a foundation account for which the client has completed the real name verification procedure in accordance with the law by facing the financial institution. It is desirable to create an application electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, and the technical features to generate the electronic 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 document application for opening the account, and the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the electronic document creation request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document storage associated with the foundation account opening system. do.

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

Here, when the electronic document server 155 and the electronic document D / B 175 are provided outside of the ground based system for opening a seat, the electronic document server 155 and the electronic document D / B 175 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the foundation account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the foundation account opening system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a base account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. The customer information on which the application was opened, and / or financial institution information for transmitting the electronic document opening application, and / or electronic document file format information, and / or the application for opening the reference account, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 may request that the customer establish a basis account application information received through the information receiving unit 115 through the validity confirming unit 125 and face the financial institution according to a legal name. If the validity for opening the evidence account is completed after the verification process is authenticated, the financial information is based on the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the validity authentication application. An information generating unit 140 (or information generating means) for generating account information, and an account opening unit 145 (or account opening means) for opening and processing a financial account under the customer's name including the financial account information. Characterized in that made.

When the validity of the foundation account opening application information is confirmed by the validity verification unit 125, the information generation unit 140 includes customer information included in the foundation account opening application information, remote transaction agreement setting information, and recording agreement. And generating the financial account information based on the information and the designated phone number information.

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

The account establishment unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the application for opening the grounded account. The customer is faced with a financial institution, characterized in that the opening and processing of a predetermined financial account for the establishment of a grounded account that has completed the real name verification procedure according to the law.

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

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

Referring to FIG. 1, the financial institution server 100 may request that the customer establish a basis account application information received through the information receiving unit 115 through the validity confirming unit 125 and face the financial institution according to a legal name. If the validity for the establishment of the foundation account after the verification process is authenticated, at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the application for establishing the foundation account for which the validity is verified is included. And an information storage unit 150 (or information storage means) for storing the base account information in a predetermined storage medium 180.

When the validity of the foundation account opening application information is confirmed by the validity verification unit 125, the information storage unit 150 records the customer information and the remote transaction agreement setting information and recording included in the foundation account opening application information. And storing the account information in the storage medium 180 including at least one of consent information and designated phone number information.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 180. Preferably, the storage medium 180 stores the account information including at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the received base account opening application information. .

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in a DBMS provided on the financial system 185, the information storage unit 150 is included in the received ground account opening application information. On the financial system 185 by providing the account information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information through an external system on the financial system 185. It is preferable to store in the DBMS provided in.

Referring to FIG. 1, an electronic document stored in a predetermined electronic document D / B 175 is received and received from a financial institution server 100 provided on the grounded account opening system. The server 155 includes an electronic document receiving unit 160 (or electronic document receiving unit) for receiving a predetermined electronic account opening request electronic document from the financial institution server 100 through a predetermined communication unit, and the received ground account. An information generating unit 165 (or information generating means) for generating predetermined electronic document management information for storing and managing an opening application electronic document in the electronic document D / B 175; and the electronic document management information and the An electronic document storage unit 170 (or electronic document storage means) for linking and processing the foundation account opening application electronic document and storing the electronic document in the predetermined electronic document D / B 175 is provided.

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

According to the exemplary embodiment of the present invention, the electronic document receiving unit 160 receives an electronic document opening request application electronic document image content received by the financial institution server 100 from the terminal device 195. It is preferable that the image file including the same as it is made.

Alternatively, the electronic document receiving unit 160 receives the basis account opening request electronic document through the communication means, the financial institution server 100 in the image content received from the terminal device 195 the basis account opening application information It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, remote transaction agreement setting information, recording agreement information, designated telephone number information included in the watermarking (Watermarking) method.

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

Alternatively, the electronic document receiving unit 160 receives the electronic account opening request electronic document through the communication means in the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, PDF (Portable Document) including image content including at least one or more of the included customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information in a watermarking manner. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

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

Alternatively, the electronic document receiving unit 160 receives the electronic account establishment request electronic document from the financial institution server 100 in the image content received from the terminal device 195 in the electronic account receiving application information. A predetermined document file including image information including at least one or more of customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information by a watermarking method, and application information for opening the grounded account. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

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

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

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

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

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

Alternatively, the electronic document storage unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. It includes an image file corresponding to the image content including at least one or more information of the customer information, the remote transaction agreement setting information, the recording agreement information, the designated telephone number information included in the application for opening the base account in a watermarking method. It is preferable to make it.

According to another exemplary embodiment of the present invention, the financial institution server 100 may request that the electronic company storage unit 170 store the electronic account storage unit 170 in the electronic document D / B 175. 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 unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file including image contents including watermarking method of at least one of customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information included in the application for opening a foundation account ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another exemplary embodiment of the present invention, the financial institution server 100 may request that the electronic company storage unit 170 store the electronic account storage unit 170 in the electronic document D / B 175. 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 195 and the application for opening the base account. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. Image contents including at least one or more of the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information included in the application for opening the foundation account by watermarking and the application for opening the foundation account A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening request electronic document is stored in the electronic account opening. 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 175 by processing the electronic document storage unit 170 in connection with the application for establishing an opening account is the basis account. The financial institution server 100 that has transmitted the opening application electronic document may preferably further include information on the financial institution that has transmitted the founding account opening application electronic document.

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

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

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

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 190 provided in the DBMS on the financial system 185 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the opening account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B 190 provided in the DBMS on the financial system 185 has at least one ledger (for example, the recipient ledger, loan ledger, collateral) in addition to the customer ledger and account ledger shown in FIG. And / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 2, the storage medium 180 is the ledger D / B 190 or includes an implementation method provided in the ledger D / B 190 according to an embodiment of the present invention. The account information includes at least one of the customer information and the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the foundation account opening application information provided through the foundation account opening system shown in FIG. It is stored in the form of additional information added to the ledger.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

The remote transaction agreement setting information is a financial transaction service using a non-face-to-face channel, such as a new account, or a non-face-to-face channel, such as a telephone fax, after the customer visits a financial institution, and opens a new account based on the account opening system. It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

The designated phone number information is when the customer uses the financial transaction service through the non-face-to-face channel, the financial institution to the customer confirmation of identity or instructions for the remote transaction request, confirmation of receipt of investment prospectus and terms, It is preferable that it is a number for a designated telephone line between the customer and the financial institution for checking whether or not the product main contents are explained, and may be made in plural numbers according to the intention and purpose of those skilled in the art.

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

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

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 190 included in the DBMS on the financial system 185. As shown in the information structure, those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 3 to provide the basis account information to a predetermined database in the ledger D / B 190. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

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

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

Referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 190 provided in the DBMS on the financial system 185 according to another embodiment of the present invention. And storing the base account information including at least one of the customer information and the remote transaction agreement setting information, the recording agreement information, and the designated phone number information included in the base account opening application information. It is preferable that the CIF number corresponding to the ledger information is further included in the base account information to be linked to the ledger D / B 190.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 185 associated with the foundation account opening system in response to the customer, may be written. It is preferable to include one or more.

The remote transaction agreement setting information is a financial transaction service using a non-face-to-face channel, such as a new account, or a non-face-to-face channel, such as a telephone fax, after the customer visits a financial institution, and opens a new account based on the account opening system. It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

The designated phone number information is when the customer uses the financial transaction service through the non-face-to-face channel, the financial institution to the customer confirmation of identity or instructions for the remote transaction request, confirmation of receipt of investment prospectus and terms, It is preferable that it is a number for a designated telephone line between the customer and the financial institution for checking whether or not the product main contents are explained, and may be made in plural numbers according to the intention and purpose of those skilled in the art.

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

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 Although it is possible to infer an information construction method for the base account information stored in a predetermined DBMS, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening the foundation account. Characterized in that the customer information and the remote transaction agreement setting information contained in the recording account information including at least one or more information, recording agreement information, characterized in that it stores the information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 185 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

The remote transaction agreement setting information is a financial transaction service using a non-face-to-face channel, such as a new account, or a non-face-to-face channel, such as a telephone fax, after the customer visits a financial institution, and opens a new account based on the account opening system. It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

The designated phone number information is when the customer uses the financial transaction service through the non-face-to-face channel, the financial institution to the customer confirmation of identity or instructions for the remote transaction request, confirmation of receipt of investment prospectus and terms, It is preferable that it is a number for a designated telephone line between the customer and the financial institution for checking whether or not the product main contents are explained, and may be made in plural numbers according to the intention and purpose of those skilled in the art.

5A and 5B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer faces a financial institution in a face-to-face manner according to one embodiment of the present invention and has completed the real name verification procedure according to the law.

5A and 5B show the terminal device 195 on the foundation account opening system shown in FIG. 1 at a financial institution branch (or branch office), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 connected to the counter terminal through the financial network, the reason for a given customer to complete the real name verification procedure according to the law by facing a financial institution In order to open a grounds account for opening an account, the applicant may prepare and submit a grounds account opening application form including at least one of customer information, remote transaction agreement setting information, recording consent information, and designated phone number information. The system is configured to open and process the open account in a face-to-face manner based on the open application. Specifically, the customer requests to open the open account. Prepare and submit the information to the counter, and obtain the predetermined image content corresponding to the application for opening the foundation account through the predetermined image acquisition device at the window terminal, transmit the predetermined image content to the financial institution server 100, and then open the foundation account. Input (or select) the foundation account opening application information corresponding to the application and transmit it to the financial institution server 100, the financial institution server 100, the customer information, remote transaction agreement setting information, recording agreement information, designated telephone number An implementation method of opening and processing the foundation account based on the application for establishing the foundation account including at least one information is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the basis account with the financial company server 100 at the window terminal by referring to and / or modified with reference to 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 application for establishing a grounded 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 shown in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the application for opening a foundation account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the foundation account opening application information corresponding to the foundation account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

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

Referring to FIGS. 5A and 5B, a predetermined customer faces a financial institution, and the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number for the establishment of a grounded account after the real name verification procedure according to the law is completed. After completing and submitting an application for opening a foundation account including at least one piece of information, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to open the foundation account. When the customer corresponding to the application requests a user interface for opening a grounded account that has completed the real name verification procedure in accordance with the law in the face of the financial institution (500), the server corresponding to the application through the predetermined image acquisition device A company for acquiring predetermined image contents corresponding to the application for opening a foundation account prepared by the customer and transmitting the predetermined image content 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 grounded account opening application through a predetermined image acquisition device based on the user interface (515).

If image contents corresponding to the application for opening a bank account are acquired through the image acquisition device (520), the terminal transmits the obtained image contents to the server through the financial network (525).

Thereafter, the server inputs the foundation account opening application information including at least one of customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information corresponding to the foundation account opening application that matches the image content (or Selects and generates (or extracts) a user interface for transmission to the server (530), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) base account opening application information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information through the user interface (540).

If the user account, the remote transaction agreement setting information, the recording agreement information, and the opening account application request information including at least one of the designated telephone number information is input (or selected) through the user interface (545), the terminal receives the The input (or selection) of the basis account opening application information is transmitted to the server through a financial network (550).

Subsequently, the server receives and reads the base account opening application information including at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information through the financial network, and the base account opening application information. Validate for (555).

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

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

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

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

According to an exemplary embodiment of the present invention, the server may display an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, according to a law in which the customer faces a financial institution. It is advisable to use the electronic document to apply for the opening of a grounded account to open a grounded account after the real name verification process.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. The customer completes a legal name verification procedure by confronting a financial institution with an image file corresponding to an image content including at least one of setting information, recording consent information, and designated telephone number information by watermarking. It is preferable to generate an electronic document for applying for opening a grounded account for opening a grounded 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 195 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to create an electronic document for applying for opening a grounded account for opening a grounded account after the real name verification procedure.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one of setting information, recording agreement information, and designated phone number information by a watermarking method, and include a predetermined document file (eg, PDF (Portable) including the generated image content. Creating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Therefore, it is preferable to generate an electronic document for applying for opening a grounded account to open a grounded account that has completed the real name verification process according to the law.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the base account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable that the customer generates an electronic document for applying for the opening of a grounded account for opening the grounded account for which the customer has faced the financial institution and completed the real name verification procedure according to the law.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document including image information including at least one or more of setting information, recording agreement information, and designated phone number information by a watermarking method, and including the generated image content and the application for opening a grounded account. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Electronic document for requesting to open a grounded account to open a grounded account where the customer has completed the legal name verification procedure in accordance with the law in the face of the financial institution To produce preferred.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a request for opening a base account in the image file format and / or a predetermined document file format, and the base 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 basis account opening application electronic document in a predetermined electronic document storage (575).

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

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

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the base 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 electronic document opening application electronic document.

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

If the electronic document storage application electronic document is stored in the electronic document archive (580), the server includes the customer information, the remote transaction agreement setting information, recording agreement information, the specified telephone number information included in the application for opening the foundation account information The financial account information is generated based on 585.

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

Subsequently, the server includes the financial account information based on the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the base account opening application information in connection with the financial system 185. In step 590, a financial account of the customer's name is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the grounded account; The customer is face-to-face with a financial institution characterized in that the opening of the predetermined financial account for the establishment of a grounded account that has completed the real name verification procedure in accordance with the law.

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

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

Thereafter, the server generates base account information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information included in the base account opening application information, and then stores a predetermined storage medium 180. ) (595)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received ground account opening application information. Preferably, the storage medium 180 stores the base account information including at least one of remote transaction agreement setting information, recording agreement information, and designated phone number information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server remotely stores the customer information included in the received base account opening application information. Provide evidence account information including at least one of transaction agreement setting information, recording agreement information, and designated telephone number information to an information system through an external system on the financial system 185 and store it in a DBMS provided on the financial system 185. It is desirable to.

Thereafter, the server stores predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the grounds account opening request electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) the details of storing the application information for opening the grounded account in step 599.

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

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

6A and 6B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer faces a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention and has completed the real name verification procedure according to the law.

6a and 6b show a terminal terminal in which a terminal device 195 on the foundation account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer has a legal account verification process in accordance with the law by the customer facing the financial institution. In order to open a grounded account for opening, a financial account opening application including at least one of customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information is prepared and submitted, and the financial institution opens the grounded account. The system is configured to open and process a grounds account in a face-to-face manner based on an application. Specifically, the customer requests to open the grounds account. Prepare and submit to the window, input (or select) the ground account opening application information corresponding to the grounds account opening application from the window terminal and transmit it to the financial institution server 100, and then obtain a predetermined image acquisition device. Obtaining predetermined image content corresponding to the grounded account opening application through the transfer to the financial institution server 100, the financial institution server 100, the customer information, remote transaction agreement setting information, recording agreement information, designated telephone number An implementation method of opening and processing the foundation account based on the application for establishing the foundation account including at least one information is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the basis account with the financial company server 100 at the window terminal by referring to and / or modified in 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 shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application for establishing an open 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 shown in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a foundation account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the foundation account opening application information corresponding to the foundation account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information transmitted to the financial institution server 100 are referred to as "account opening application information" for convenience.

Referring to Figures 6a and 6b, a predetermined customer faces a financial institution, and the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information for the establishment of a grounded account for which the real name verification procedure according to the law is completed. After completing and submitting an application for opening a foundation account including at least one, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel. If the customer corresponding to the request to the user interface for opening the foundation account after completing the legal name verification procedure in accordance with the law (600), the server corresponding to the customer corresponding to the application for opening the foundation account created by the customer Grounds account containing at least one information, remote transaction agreement setting information, recording agreement information, designated phone number information Inputs (or selects) the application information and generates (or extracts) a user interface for transmitting to the server (605), and transmits the generated (or extracted) user interface through the financial network to the terminal for output. 610.

Thereafter, the terminal inputs (or selects) basis account opening application information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information through the user interface (615).

If the application information for opening a foundation account including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information is input (or selected) through the user interface (620), the terminal receives the In operation 625, the application information for opening the foundation account opened (or selected) is transmitted to the server through a financial network.

Subsequently, the server receives and reads the base account opening application information including at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information through the financial network, and the base account opening application information. Validate for (630).

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

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

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

On the other hand, if the validity of the foundation account opening application information is authenticated (635), the server acquires predetermined image contents corresponding to the foundation account opening application written by the customer through a predetermined image acquisition device in the terminal to 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 grounded account opening application through a predetermined image acquisition device based on the user interface (655).

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

In operation 670, the server receiving the foundation account establishment request information and the image content from the terminal generates a predetermined foundation account establishment request electronic document including the image content.

According to an exemplary embodiment of the present invention, the server may display an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, according to a law in which the customer faces a financial institution. It is advisable to use the electronic document to apply for the opening of a grounded account to open a grounded account after the real name verification process.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. The customer completes a legal name verification procedure by confronting a financial institution with an image file corresponding to an image content including at least one of setting information, recording consent information, and designated telephone number information by watermarking. It is preferable to generate an electronic document for applying for opening a grounded account for opening a grounded 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 195 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to create an electronic document for applying for opening a grounded account for opening a grounded account after the real name verification procedure.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one of setting information, recording agreement information, and designated phone number information by a watermarking method, and include a predetermined document file (eg, PDF (Portable) including the generated image content. Creating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Therefore, it is preferable to generate an electronic document for applying for opening a grounded account to open a grounded account that has completed the real name verification process according to the law.

According to another exemplary embodiment of the present invention, the server requests to open an account based on the image content received from the terminal device 195 and the information receiving unit 115 through the image receiving unit 120. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable that the customer creates an electronic document for applying for establishing a grounded account for establishing a grounded account for which the customer has faced the financial institution and completed the real name verification procedure according to the law.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document including image information including at least one or more of setting information, recording agreement information, and designated phone number information by a watermarking method, and including the generated image content and the application for opening a grounded account. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Electronic document for requesting to open a grounded account to open a grounded account where the customer has completed the legal name verification procedure in accordance with the law in the face of the financial institution To produce preferred.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating an electronic account opening application request document in an image file format and / or a predetermined document file format, and the electronic account opening request electronic document. Since the technical features of the image file corresponding to the document and / or the file format of the document file will be familiar, detailed description thereof will be omitted for convenience.

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

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

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

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the base 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 electronic document opening application electronic document.

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

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server includes the customer information, remote transaction agreement setting information, recording agreement information, designated telephone number information contained in the application for opening the foundation account information The financial account information is generated based on 685.

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

Subsequently, the server includes the financial account information based on the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the base account opening application information in connection with the financial system 185. In step 690, a financial account of the customer's name is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the grounded account; The customer is face-to-face with a financial institution characterized in that the opening of the predetermined financial account for the establishment of a grounded account that has completed the real name verification procedure in accordance with the law.

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

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

Thereafter, the server generates base account information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information included in the base account opening application information, and then stores a predetermined storage medium 180. ) (695)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received ground account opening application information. Preferably, the storage medium 180 stores the base account information including at least one of remote transaction agreement setting information, recording agreement information, and designated phone number information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server remotely stores the customer information included in the received base account opening application information. Provide evidence account information including at least one of transaction agreement setting information, recording agreement information, and designated telephone number information to an information system through an external system on the financial system 185 and store it in a DBMS provided on the financial system 185. It is desirable to.

Thereafter, the server stores predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the grounds account opening request electronic document in the electronic document repository, and / or the storage medium 180). The history of storing the application information for opening the foundation account) is generated (or extracted) and transmitted to the terminal (699).

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

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

7A and 7B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer faces a financial institution in a face-to-face manner according to another embodiment of the present invention and has completed the real name verification procedure according to the law.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the foundation account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer has a legal account verification process in accordance with the law by the customer facing the financial institution. In order to open a grounded account for opening, a financial account opening application including at least one of customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information is prepared and submitted, and the financial institution opens the grounded account. The system is configured to open and process a grounds account in a face-to-face manner based on an application. Specifically, the customer requests to open the grounds account. Prepare and submit the information to the window, the predetermined number of image contents corresponding to the application for opening the foundation account is acquired through a predetermined image acquisition device at the window terminal, and the application for opening the foundation account information corresponding to the application for establishing the foundation account is obtained. After inputting (or selecting), when the image content and the application for opening the foundation account are transmitted to the financial institution server 100, the financial institution server 100, the customer information, remote transaction agreement setting information, recording agreement information, An embodiment of the present invention illustrates a method for opening and processing the foundation account based on the application for establishing the foundation account including at least one designated telephone number information.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the basis account with the financial company server 100 at the window terminal by referring to and / or modified in 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, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application for establishing an open 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 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 application for opening the foundation account through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) the foundation account opening application information corresponding to the foundation account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information transmitted to the financial institution server 100 are referred to as "account opening application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer faces a financial institution, and the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information for opening a grounded account after the real name verification procedure according to the law is completed. Form and submit an application for opening a foundation account including at least one of the above, and the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel. When the customer corresponding to the request for a user interface for opening a grounded account that has completed the real name verification procedure in accordance with the law in the face of the financial institution (700), in response to the server to the application for opening a grounded account created by the customer in the terminal Input (or select) application information for opening a corresponding foundation account and through the predetermined image acquisition device, the foundation account; Create (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the application form to the server (705), and transmit the generated (or extracted) user interface to the terminal through the financial network. And output (710).

Thereafter, the terminal inputs (or selects) base account opening application information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated phone number information through the user interface (715).

If the user account, remote transaction agreement setting information, recording agreement information, and the specified opening account application information including at least one information is input (or selected) through the user interface (720), the terminal is Based on the user interface, image contents corresponding to the application for opening a foundation account are acquired through a predetermined image obtaining apparatus (operation 725).

If the image content corresponding to the application for opening a foundation account is acquired through the image acquisition device (730), the terminal transmits the foundation account opening application information and image content to the server through the financial network (735). .

Subsequently, the server receives and reads the base account opening application information including at least one of the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information through the financial network, and the base account opening application information. Validate for (740).

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

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

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

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

According to an exemplary embodiment of the present invention, the server may display an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, according to a law in which the customer faces a financial institution. It is advisable to use the electronic document to apply for the opening of a grounded account to open a grounded account after the real name verification process.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. The customer completes a legal name verification procedure by confronting a financial institution with an image file corresponding to an image content including at least one of setting information, recording consent information, and designated telephone number information by watermarking. It is preferable to generate an electronic document for applying for opening a grounded account for opening a grounded 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 195 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to create an electronic document for applying for opening a grounded account for opening a grounded account after the real name verification procedure.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one of setting information, recording agreement information, and designated phone number information by a watermarking method, and include a predetermined document file (eg, PDF (Portable) including the generated image content. Creating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Therefore, it is preferable to generate an electronic document for applying for opening a grounded account to open a grounded account that has completed the real name verification process according to the law.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the base account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable that the customer generates an electronic document for applying for the opening of a grounded account for opening the grounded account for which the customer has faced the financial institution and completed the real name verification procedure according to the law.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document including image information including at least one or more of setting information, recording agreement information, and designated phone number information by a watermarking method, and including the generated image content and the application for opening a grounded account. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Electronic document for requesting to open a grounded account to open a grounded account where the customer has completed the legal name verification procedure in accordance with the law in the face of the financial institution To produce preferred.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a request for opening a base account in the image file format and / or a predetermined document file format, and the base 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 electronic account opening application electronic document in a predetermined electronic document storage (760).

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

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

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the base 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 electronic document opening application electronic document.

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

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server includes the customer information, remote transaction agreement setting information, recording agreement information, designated phone number information included in the application for opening the foundation account information The financial account information is generated based on 770.

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

Subsequently, the server includes the financial account information based on the customer information, the remote transaction agreement setting information, the recording agreement information, and the designated telephone number information included in the base account opening application information in connection with the financial system 185. In step 775, a financial account of the customer's name is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the grounded account; The customer is face-to-face with a financial institution characterized in that the opening of the predetermined financial account for the establishment of a grounded account that has completed the real name verification procedure in accordance with the law.

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

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

Thereafter, the server generates base account information including at least one of the customer information, remote transaction agreement setting information, recording agreement information, and designated telephone number information included in the base account opening application information, and then stores a predetermined storage medium 180. ) (780)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received ground account opening application information. Preferably, the storage medium 180 stores the base account information including at least one of remote transaction agreement setting information, recording agreement information, and designated phone number information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server remotely stores the customer information included in the received base account opening application information. Provide evidence account information including at least one of transaction agreement setting information, recording agreement information, and designated telephone number information to an information system through an external system on the financial system 185 and store it in a DBMS provided on the financial system 185. It is desirable to.

Thereafter, the server stores predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the grounds account opening request electronic document in the electronic document repository, and / or the storage medium 180). The history of storing the application information for opening the foundation account) is generated (or extracted) and transmitted to the terminal (785).

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

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

8 is a diagram illustrating a connection account opening system for opening a connection account using a remote means using an already established base account according to an embodiment of the present invention.

In more detail, Figure 8 shows that a predetermined customer requests to open a linked account for opening a linked account using a remote means using a pre-opened account through a face-to-face virtual account open interface. A system for opening a linked account using a base account opened under a predetermined client's name as a parent account. Specifically, the customer calls a teller (or a representative) of a financial institution that opens the linked account. When requesting the establishment of a virtual account using a predetermined basis account as a parent account by means of a fax or the like, the teller (or the responsible staff member) requests information for opening a predetermined virtual account corresponding to the application for opening the virtual account through a predetermined teller terminal. If provided, the virtual account establishment application information in the linked account establishment system according to the invention the customer The present invention relates to an implementation method of opening a connection account for opening a connection account using a remote means using the already established base account.

Those skilled in the art to which the present invention pertains, various implementations for the configuration of a connection account opening system for opening a connection account using a remote means using a pre-opened reference account by referring to and / or modified in this figure 8 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 FIG.

In addition, those skilled in the art to which the present invention pertains, when requesting to open a connection account via telephone or fax for opening the connection account with reference to and modifying this figure 8, the connection account for opening the connection account An application for an establishment may be prepared by an employee, and may be prepared by a customer and provided to the financial institution, or may be provided by a customer by means of a fax or the like, and the present invention is not limited thereto.

In addition, if one of ordinary skill in the art to which the present invention belongs, the linked account opened by modifying the reference to Figure 8 is opened as a real account linked to the base account, not a virtual account having the base account as the parent account In addition, this invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains may refer to and modify this drawing 8, and in addition to the method of opening the linked account, it is also possible to open an operating account linked to the grounded account, thereby the present invention. This is not limited.

Here, it is preferable that the linked account is a financial account to which a password has been given a real name verification procedure, and the linked account is preferably a real account.

Hereinafter, based on the virtual account opening application information provided from the customer through a predetermined virtual account opening interface on the connection account opening system shown in FIG. 8, a predetermined connection account of the customer name corresponding to the connection account opening target is provided. Components corresponding to at least one or more means and / or functional configurations of opening are referred to as " virtual account opening server 800 " for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the linked account opening system for the opening of a linked account using a remote means using the pre-opened account, the teller staff (or staff in charge) is provided with at least one financial institution It is characterized in that it comprises a teller terminal using, the teller terminal is connected to the communication channel and the virtual account opening server 800 provided on the connection account opening system through a predetermined communication network.

According to an embodiment of the present invention, the customer contacts the financial institution by telephone or fax to establish a linked account using a remote means using the already established base account through a window provided in the financial institution ( Or through a teller (or a responsible employee) application for opening a predetermined virtual account for opening a linked account using a remote means using the already established foundation account (for example, a linked account using a remote means using the already established foundation account). A document with a form for filling in at least one item of information for opening is prepared through the teller (or the representative) (or the teller (or the representative) by phone or fax to the customer). Contact the customer to establish a predetermined account for opening a linked account using a remote means using the already established base account. And submit the completed virtual account opening application form to the counter employee (or responsible staff member), and the counter staff (or responsible staff member) fills in the virtual account opening application form through a predetermined counter terminal. It is preferable to input the information (or selection), and the window terminal transmits the input (or selection) information to the virtual account opening server 800 provided on the connection account opening system through the communication network.

Here, the teller terminal preferably comprises a terminal used by a teller (or a clerk) provided in the financial institution, the virtual account opening server 800 connected to the teller terminal is the connection account is opened It is preferable to include a ledger server provided on the financial system 860, the communication network connecting the teller terminal and the virtual account opening server 800 is a communication channel between the teller terminal and the virtual account opening server 800 It is preferable to include a sugar chain to connect the.

In the linked account opening system as described above, a virtual account opening application is prepared by a teller (or a clerk) at the request of the customer, a teller terminal used by the teller (or a clerk), and the teller terminal and the The communication network connecting the virtual account establishment server 800 performs a function of a virtual account establishment interface for registering a virtual account establishment application information for the customer to establish a connection account using a remote means using the already established foundation account. .

At the request of the customer, a financial institution that opens a linked account for opening a linked account using a remote means using a previously established base account to a predetermined customer may include at least one financial transaction (eg, It is characterized in that it comprises a predetermined financial system 860 for providing services such as credit, receiving, foreign exchange, financial investment, etc.).

The financial system 860 provided in the financial institution includes at least one or more window terminals provided at branches (and / or branch offices) of the financial institution and a predetermined communication network (for example, a financial network such as our network or a telephone or fax connection). A wired or wireless telephone network, or a wired or wireless internet network for connecting the Internet, etc.), and provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal. Preferably, the financial transaction service includes a financial transaction service for opening a linked account using a remote means using the already established base account through opening and operating the linked account.

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 in a public place and a predetermined communication network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is based on the established account through the opening and operation of the linked account. It is preferable to include a financial transaction service for opening a linked account using a remote means using.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a Personal Computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with an internet connection and browsing function, and the financial transaction service may be operated by opening and operating the linked account. Including financial transaction service for opening a linked account using a remote means using an already established evidence account It is desirable to leave room.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) 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). The financial transaction service includes opening a linked account using a remote means using the already established base account through opening and operating the linked account. It is preferably made room including banking services for.

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, a 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. Provides IC chip-based non-face-to-face financial transaction service, and the financial transaction service includes a financial transaction service for opening a linked account using a remote means using the already opened account through opening and operating the linked account. It is preferable to achieve.

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 telephone 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, wherein the financial transaction service is a remote means using the opened account through the opening and operation of the linked account. It is preferable to include a financial transaction service for opening a consolidation account.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server Provide a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service opens a linked account using a remote means using the already established basis account through opening and operating the linked account. It is desirable to include financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one 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, etc., wherein the financial transaction service uses a remote means using the established base account through opening and operating the linked account. It is desirable to include a financial transaction service for opening a linked account.

Referring to FIG. 8, the financial system 860 is provided to 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. As a computerized system, an accounting system that handles a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), and an information system that processes headquarters business, supports branch information, and manages customer information. Interconnection between the financial system 860 and at least one other financial system 860 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) , Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc. 60) and / or an external system providing various financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network). ) Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / Or customer information, and / or management information, etc.) is characterized by comprising a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing.

In addition, the financial system 860 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 860 and the purpose of the financial system 860. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical matters of the financial system 860, and thus the 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 860, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And a ledger D / B on the financial system 860 for storing at least one ledger for providing, wherein the ledger D / B on the financial system 860 is provided to the financial transaction customer by the financial institution. More specific and / or at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing at least one financial transaction to be provided, and corresponding to each ledger information (e.g., attributes / functions of each ledger) Or at least one supplementary ledger additional information is stored in a relational manner. do.

Those skilled in the art to which the present invention pertains include at least one or more provided in the ledger D / B on the financial system 860 according to the type of each financial institution and the purpose and characteristics of the financial system 860. Not only are they familiar with ledger information and at least one ledger additional information corresponding to each ledger information, but each ledger information is stored in a relational manner and / or predetermined ledger information and at least one ledger addition As it will be appreciated that information is stored in a relational manner, detailed description thereof will be omitted for convenience.

The virtual account opening server 800 provided on the connection account opening system according to the present invention is a generic term for the connection account opening system-side components connected to the window terminal and a predetermined communication 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 the method of the present invention, the virtual account opening server 800 is provided with an interface unit 815 (or interface means) for providing a predetermined virtual account opening interface to the window terminal through the communication network. It is done.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined communication network, the interface unit 815 connects the window terminal and a predetermined communication channel based on a protocol stack defined in the communication network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a connection account opening program provided in the window terminal.

Referring to FIG. 8, the virtual account opening server 800 connects to the virtual account opening server 800 through the interface unit 815, in conjunction with the interface unit 815. An interface providing unit 820 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal to the window terminal; An information receiving unit 825 (or information receiving means) receiving predetermined virtual account opening application information transmitted (or selected) and transmitted from the window terminal through the user interface in association with the interface unit 815; In response to the received virtual account opening application information, the base account information corresponding to the mother account included in the virtual account opening application information is checked, and the remote transaction An information checking unit 830 (or information checking means) for confirming the setting information, and the remote account contract setting information is opened to the customer based on the received virtual account opening application information. An information generating unit 835 (or information generating means) for generating predetermined virtual account ledger information corresponding to a connection account to be connected; and the base account linked to the linked account in the ledger D / B on the financial system 860. And an information storage unit (or information storage means) for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the.

In addition, the virtual account opening server 800 is a fax data receiving unit 805 (or fax data receiving means) for receiving the fax data for the fax document (or fax electronic document) sent through the customer's fax terminal, When receiving a fax from a customer's fax terminal, the information providing unit 810 (or information providing means) that provides whether or not the fax is received to the terminal of the teller (or the clerk) and the teller (or the clerk) In a voice call with the customer, a voice data receiver 845 (or voice data receiving means) for receiving the voice call data and the received voice data are recognized to confirm whether the voice of the customer is present, and the customer If the voice of the voice, the transaction authentication processing unit 850 (or transaction authentication processing means) for processing the authentication of the customer, and the customer whose authentication is confirmed, the basis account corresponding to the mother account In the case of requesting to open a linked account, the information checking unit 830 confirms whether or not the recording agreement information is included in the basis account information corresponding to the mother account, and the voice received when the customer agrees to record the recording. Data storage unit for storing data in the storage medium 855 by processing the data in association with the customer information for the customer, or by storing the received fax data in association with the customer information for the customer in the storage medium 855 It is characterized by comprising.

The interface providing unit 820, when a predetermined window terminal is connected to the virtual account opening server 800 through the interface unit 815, the virtual account opening application information corresponding to the functional configuration provided in the window terminal Input (or select) to generate a predetermined user interface that can be transmitted to the virtual account opening server 800 through the communication network, and / or extracted from a predetermined database (not shown), and the interface unit 815 And providing the generated (or extracted) user interface to the window terminal through the communication network.

Thereafter, the counter terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the communication network to the virtual account opening server 800. To send).

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined communication network, the interface providing unit 820 generates a predetermined user interface that can be provided by a connection account opening program provided in the window terminal. It is preferable to provide (or extract) the user interface generated (or extracted) through the interface unit 815 to the counter terminal.

The information receiving unit 825 inputs (or selects) predetermined virtual account opening application information through the user interface at the window terminal and transmits the information through the communication network, and establishes the virtual account in cooperation with the interface unit 815. Characterized in that it receives the application information, and provides the received virtual account opening application information to the information generating unit 835.

According to the method of the present invention, the virtual account establishment application information is the customer information requesting the establishment of a connection account for the establishment of a connection account using a remote means using the pre-opened account, the customer information, and It is preferable to include at least one or more base account information corresponding to the parent account associated with the virtual account.

Here, the customer information requesting the customer to open a connection account for opening a connection account using a remote means using the previously established base account, the customer's personal information (for example, the name, resident registration number, address, telephone number of the customer) , Mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the financial system 860 associated with the foundation account opening system corresponding to the customer by subscribing as the financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the) is preferably included.

Further, the base account information associated with the virtual account is information corresponding to a base account corresponding to a real account linked to the linked account of the customer's name at the request of the customer, and the ledger D / on the financial system 860. It is preferable to include at least one or more of the account number and account holder information, etc. for the base account already established in B.

According to the embodiment of the present invention, the information receiving unit 825 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening includes checking whether a financial account corresponding to the grounded account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system 860. It is preferable to make it.

The information checking unit 830 checks the remote account agreement setting information by checking the base account information corresponding to the mother account included in the virtual account opening application information, in response to the received virtual account opening application information. It is done.

According to the implementation method of the present invention, it is preferable to check the account ledger including the base account information corresponding to the mother account included in the virtual account opening application information, and confirm the presence or absence of remote transaction agreement setting information on the account ledger.

The information generating unit 835 requests the opening of the virtual account received through the information receiving unit 825 when the base account information includes the remote transaction contract setting information based on the received virtual account opening application information. And generating predetermined virtual account ledger information to be provided in the linked account opened under the customer's name based on the information, wherein the virtual account ledger information includes parent account information associated with the virtual account and the financial system ( 860 includes at least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account to be equipped to process at least one financial transaction requested by the customer) It is preferable.

In addition, the virtual account ledger information for the generated linked account further comprises the withdrawal target account information for the target account (for example, the base account, which is the parent account for the linked account) withdrawal through the linked account. Preferably, according to the intention and purpose of those skilled in the art, the generated linked account is preferably made further comprises a cash withdrawal setting information to set the cash withdrawal is impossible.

If one of ordinary skill in the art of the present invention belongs to the at least one ledger information to be included in the account ledger (or the virtual account should be equipped to process at least one or more financial transactions requested by the customer) Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the predetermined virtual account ledger information to be included in the linked account is generated by the information generation unit 835, the information storage unit corresponds to the base account included in the ledger D / B provided on the financial system 860. And generating a predetermined virtual account ledger associated with the account ledger, and storing the generated virtual account ledger information in the virtual account ledger.

The fax data receiving unit 805 is characterized in that receiving the fax data for the fax document (or fax electronic document) sent through the customer's fax terminal, the received fax data is the information providing unit 810 It is preferable to provide the fax reception information to the clerk (or staff member) terminal in charge of the customer, or provide the information storage to the customer storage for the customer in association with the customer information.

In addition, the information providing unit 810, if the linked account requested by the customer is a financial product linked account for investment, the product information, investment guide information, terms and conditions information for the financial product for the investment to the terminal of the customer It is preferred to provide at least one.

Thereafter, it is preferable to check the received fax data and make a telephone call with the customer. According to the intention and purpose of the person skilled in the art, a connection is made to the parent account immediately according to the virtual account opening procedure using the received fax data. You can also open an account.

The voice data receiving unit 845 may be configured to receive the voice call data when the counter employee (or a responsible employee) makes a voice call with the customer, and the voice call history information on the received voice call data is After the transaction authentication of the customer is confirmed (or irrespective of the customer), it is preferable to store in the storage medium 855 in association with the information storage unit.

According to the method of the present invention, the voice data receiving unit 845 receives analog (or digital) data received from the voice call terminal (for example, a landline phone or a mobile phone) of the customer, and, if the analog voice When data is received, the voice data receiver 845 preferably further includes a function of an analog to digital (A / D) converter.

The transaction authentication processing unit 850 recognizes the received voice data, confirms whether or not the voice of the customer, and, if the voice of the customer, processes the authentication of the customer.

According to the method of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 855 when the customer opens the base account, and confirms the customer, and the voice data of the customer Once the information is confirmed, it is desirable to treat the transaction authentication for the customer as confirmed.

According to another exemplary embodiment of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 855 by the customer, to identify the customer, and the voice data information of the customer is stored. If confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

The information checking unit 830 checks whether or not recording consent information is included in the supporting account information corresponding to the mother account when the authenticated customer requests to establish a linked account based on the supporting account corresponding to the mother account. Preferably, when the customer has agreed to record, the received voice data is preferably stored in the storage medium 855 in association with the customer information about the customer.

9 is a view showing the configuration of a virtual account ledger for opening a linked account using a remote means using a pre-opened account according to an embodiment of the present invention.

In more detail, FIG. 9 shows a ledger D / B 900 on the financial system 860 for opening a linked account using a remote means using the already established base account in the linked account opening system shown in FIG. The virtual account ledger is processed in association with the account ledger corresponding to the provided base account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present drawing 9 to explain the already established basis. Various implementation methods for the construction of a virtual account ledger for opening a linked account using a remote means using an account may be inferred, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited by.

Referring to FIG. 9, a virtual account ledger corresponding to a linked account opened under the client's name for opening a linked account using a remote means using the already established base account is linked with an account ledger corresponding to the grounded account. And the ledger D / B 900 on the financial system 860, and the account ledger corresponding to the base account is processed in association with a predetermined customer ledger corresponding to the customer.

In this drawing 9 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the customer. Classification 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, 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 It is preferable to make.

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, in this figure 9, the account ledger corresponding to the grounded account is linked to the customer ledger in a relational form, such as account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance. 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of: periodic reception information including at least one (day), extension of time, expiration date, and target amount; and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Trust reception information including the above, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI number, batch number (Batch No.), compound transaction, date of payment corresponding to the account ledger. It includes transaction history information that includes at least one bank account, a bank account line, a summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, the virtual account ledger may be processed in a relational manner with an account ledger corresponding to the base account. The virtual account ledger information may include parent account information associated with the virtual account and the financial system ( At least one ledger information to be included in the account ledger provided in the ledger D / B 900 provided on 860 (or a virtual account to be equipped to process at least one financial transaction requested by the customer). It is preferable to comprise.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation, wherein the virtual account deposit is As an amount corresponding to the balance of the linked account, the actual balance of the linked account is preferably deposited in the base account.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

10 is a diagram illustrating a process of establishing a connection account for opening a connection account using a remote means using an already established base account according to an embodiment of the present invention.

In more detail, in FIG. 10, in the connected account opening system shown in FIG. 8, a predetermined customer opens a virtual account opening server 800 through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a communication network). When the predetermined virtual account opening application information is transmitted to the virtual account opening server 800), the virtual account opening server 800 opens a predetermined connection account based on the virtual account opening application information. For those of ordinary skill in the art to which the present invention pertains, various embodiments of opening the connection account for opening a connection account using a remote means using an already established base account by referring to and / or modifying the drawing 10 are made. The method may be inferred, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. It does not.

Hereinafter, in this figure 10, the window terminal shown in Fig. 8 is referred to as "terminal" for convenience, and the virtual account opening server 800 is referred to as "server" for convenience.

Referring to FIG. 10, a customer who wants to open a linked account to the customer to open a linked account using a remote means using the already established base account has a virtual account of using a base account using a telephone or a fax to the financial institution. When requesting to open a linked account, which is an account, the teller (or a clerk) provides the virtual account opening application information to the server through the virtual account opening interface through the terminal (1000).

According to the method of the present invention, the virtual account establishment application information is the customer information requesting the establishment of a connection account for the establishment of a connection account using a remote means using the pre-opened account, the customer information, and It is preferable to include at least one or more base account information corresponding to the parent account associated with the virtual account.

Here, the customer information requesting the customer to open a connection account for opening a connection account using a remote means using the previously established base account, the personal information of the customer (for example, the name, resident registration number, address, telephone number of the customer) , Mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the financial system 860 associated with the foundation account opening system corresponding to the customer by subscribing as the financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the) is preferably included.

Further, the base account information associated with the virtual account is information corresponding to a base account corresponding to a real account linked to the linked account of the customer's name at the request of the customer, and the ledger D / on the financial system 860. It is preferable to include at least one or more of the account number and account holder information for the base account already established in B (900).

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby confirming whether the connection account can be opened to the customer (1005). ).

Here, the virtual account opening validity check, whether the financial account corresponding to the base account information included in the virtual account opening application information is opened as a real account in the ledger D / B (900) on the financial system (860) It is preferable to include checking.

In addition, the virtual account opening validity confirmation, it is preferable to check the account ledger including the base account information corresponding to the mother account included in the virtual account opening application information, to confirm the presence of remote transaction agreement setting information on the account ledger. Do.

In addition, the virtual account establishment validity check, when receiving the voice data of the customer, it is preferable to check whether the received voice data is the voice of the customer.

If the validity to open the linked account to the customer is not authenticated through the virtual account open application information (1010), the server provides the linked account open error information to the customer through the virtual account open interface; 1015, stop opening the linked account to the customer.

On the other hand, if the validity to open the connection account to the customer is authenticated through the virtual account opening application information (1010), the server corresponding to the connection account to be opened to the customer based on the virtual account opening application information The virtual account ledger information of the customer's name is generated (1020).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 900 provided on the financial system 860 (or the virtual account is Preferably at least one or more ledger information, which the customer must have in order to process at least one or more financial transactions requested by the customer.

In addition, the virtual account ledger information for the generated linked account further comprises the withdrawal target account information for the target account (for example, the base account, which is the parent account for the linked account) withdrawal through the linked account. Preferably, according to the intention and purpose of those skilled in the art, the generated linked account is preferably made further comprises a cash withdrawal setting information to set the cash withdrawal is impossible.

If one of ordinary skill in the art of the present invention belongs to the at least one ledger information to be included in the account ledger (or the virtual account should be equipped to process at least one or more financial transactions requested by the customer) Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server identifies the account ledger corresponding to the grounded account to be linked to the linked account to be opened to the customer among at least one account ledger provided on the ledger D / B 900 on the financial system 860. (1025).

If the account ledger corresponding to the base account to be linked to the linked account to be opened to the customer is identified (1030), the server is the base account provided on the ledger D / B (900) on the financial system (860) Create a virtual account ledger of the customer name to be processed in association with the account ledger corresponding to (1035), the ledger D / B (900) on the financial system 860 is processed in association with the account ledger corresponding to the base account The generated virtual account ledger information is stored in the created virtual account ledger (1040).

11 is a diagram illustrating a face-to-face financial transaction system for transferring funds between a linked account and a grounded account according to an embodiment of the present invention.

In more detail, in Figure 11, a predetermined customer connects to a cashier via a phone or fax for transfer of funds between a linked account opened through a linked account opening system shown in FIG. 8 and a grounded account linked to the linked account. Upon providing the transfer transaction request information including at least one of account information, transfer amount information, transfer target account information, transfer target account information, and transfer target account information, the teller employee may enter a financial transaction system through a predetermined financial transaction interface. When the transfer transaction request information including at least one of the linked account information, the transfer amount information, the transfer target account information, and the transfer target account information is provided for transfer of funds between the linked account and the base account, the provided transfer from the financial transaction system The linked account information and the transfer amount information and the transfer price included in the transaction request information The present invention relates to a system for providing a financial transaction for transfer of funds between the linked account and the underlying account using account information and target account information, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. By referring to and / or modifying the present invention, various implementation methods for constructing a financial transaction system for transfer of funds between a linked account and an underlying account may be inferred, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, at least one or more financial transactions for transferring funds between the linked account and the underlying account using transfer transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Components corresponding to the means and / or functional configuration are referred to as " financial transaction server 1100 " for convenience, and the financial transaction server 1100 in FIG. 11 providing the face-to-face financial transaction service is at least one window. It is preferable to include an account system on the financial system 1165 connected to the terminal through a predetermined communication network. However, in FIG. 11, the financial transaction server 1100 is used as a ledger server between the counter terminal and the account system for convenience of explanation. Although shown, the present invention is not limited thereto.

Referring to FIG. 11 according to an embodiment of the present invention, a financial transaction system for transferring funds between the linked account and the underlying account includes a teller terminal and a teller terminal including a teller terminal provided at at least one financial institution branch. A financial transaction server 1100 connected to the access terminal via the connected communication network (eg, the current network) and the communication terminal for processing financial transactions for transfer of funds between the connected account and the underlying account, and shown in FIG. It is characterized in that it comprises a financial system (1165) opened the linked account opened through the linked account opened system.

The financial system 1165 which processes the at least one financial transaction service through the linked account opened through the linked account opening system shown in FIG. 8 in connection with the financial transaction server 1100 is a branch of the financial institution. (And / or a branch) is connected to at least one or more teller terminal and a predetermined communication network (for example, our network), through the teller terminal face to face at least one financial transaction customer Provide transaction services.

In addition, the financial system 1165 may 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 the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined communication network (eg, CD common network). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 1165 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 1165 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 through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 1165 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server. At least one through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 1165 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1165 is associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to a home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 1165 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 11, the financial system 1165 is 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. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 1165 and at least one other financial system 1165 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) 1165, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 1165 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1165, and predetermined functions required for performing respective functions in components in the financial system 1165. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing the information (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 1165 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1165 and the purpose of the financial system 1165. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 1165, and thus the 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 1165 may be configured by the 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. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational And the ledger information is stored in association with (Relationship). With an established connection through the account opening system, including a predetermined account ledger corresponding to the connection is characterized in that account is made.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 1165. 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 financial institution branch for the transfer of funds between the linked account and the underlying account, and connects the linked account with a window (or through a cashier) provided at the financial institution branch. Fill out a prescribed application for the transfer of funds between evidence accounts (for example, a document with a form for filling in at least one item of information for transfer of funds between the linked account and the evidence accounts) and send the completed application to the teller. Upon submission, the teller enters (or selects) the linked account information, the transfer amount information, the transfer target account information, and the transfer target account information entered in the application through a predetermined teller terminal, and the teller terminal receives the input ( Or (c) at least one selected connection account information, transfer amount information, transfer target account information and transfer target account information. It is desirable to transmit the transaction request information to the financial transaction server 1100 is provided on the banking system through the communication network.

Here, the teller terminal preferably comprises a teller terminal used by a teller employee provided at the branch of the financial institution, and the financial transaction server 1100 connected to the teller terminal is provided on the predetermined financial system 1165. It is preferable to include a ledger server provided, wherein the communication network connecting the teller terminal and the financial transaction server 1100 comprises a branch network connecting the communication channel between the teller terminal and the financial transaction server 1100. It is preferable.

In the financial transaction system as described above, the application prepared by the customer, the teller terminal used by the teller and the communication network connecting the teller terminal and the financial transaction server 1100, the customer and the connection account and ground account Functions as a financial transaction interface for registering transfer transaction request information for transfer of funds between funds.

The transfer transaction request information transmitted from the teller terminal for transfer of funds between the linked account and the underlying account to the financial transaction server 1100 includes predetermined linked account information, transfer amount information, transfer target account information, and transfer target. Characterized in that it comprises at least one or more account information.

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information comprises a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, the transfer amount does not exceed the balance deposited in the linked account It is characterized by.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

The financial transaction server 1100 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 teller terminal through a predetermined communication network, and includes at least one server (or device). It may be implemented by including and / or at least one program recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined communication network, the financial transaction server 1100 is provided on the financial system 1165 connected to the window terminal through a predetermined communication network. It may be a ledger server, and / or a server (or device) provided in the external system on the financial system 1165, and / or a program provided in the external system on the financial system 1165, thereby providing the present invention. This is not limited.

According to the embodiment of the present invention, the financial transaction server 1100 is characterized in that it comprises an interface unit 1115 for connecting and managing the window terminal and a predetermined communication channel through the communication network.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined communication network, the interface unit 1115 connects the window terminal and a predetermined communication channel based on a protocol stack defined in the communication network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 11, the financial transaction server 1100 connects a communication channel with the financial transaction server 1100 through the interface unit 1115 and / or via the communication channel. When requesting a financial transaction for transfer of funds between a linked account and an underlying account, a predetermined user interface for interfacing with the interface unit 1115 to input (or select) predetermined transfer transaction request information at the window terminal is transmitted. And an interface providing unit 1120 which is generated (or extracted) and provided to the counter terminal. When the counter terminal is provided with a predetermined terminal-side banking program including the user interface, the interface is provided. The providing unit 1120 is preferably omitted.

The interface providing unit 1120 may be configured to connect a communication channel with the financial transaction server 1100 through the interface unit 1115 and / or between the connection account and the underlying account through the communication channel. When requesting a financial transaction for transfer of funds, a predetermined predetermined amount of input (or selection) of the transfer transaction request information corresponding to the functional configuration provided in the window terminal can be transmitted to the financial transaction server 1100 through the communication network. Generating a user interface and / or extracting from a predetermined database (not shown), and providing the generated (or extracted) user interface to the counter terminal through the communication network in association with the interface unit 1115. It features.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined communication network, the interface providing unit 1120 generates a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to provide (or extract) the user interface generated (or extracted) through the interface unit 1115 to the counter terminal.

According to another exemplary embodiment of the present invention, a predetermined terminal side having at least one user interface for inputting (or selecting) the transfer transaction request information to the window terminal and transmitting it to the financial transaction server 1100 through the communication network In the case where a banking program is provided, an interface study 1120 for providing the user interface to the window 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) transfer transaction request information including at least one of connection account information, transfer amount information, transfer target account information, and transfer target account information to the financial transaction server. It is preferable to include an interface function to transmit to (1100).

Referring to FIG. 11, the financial transaction server 1100 includes at least one transfer account request information, a transfer amount information, a transfer target account information, and a transfer target account information through the user interface. When inputting (or selecting) to transmit, the interface unit 1115 receives the transfer transaction request information including at least one of the connection account information, the transfer amount information, transfer target account information and transfer target account information in conjunction with the interface unit 1115 An information receiving unit 1125, a validity checking unit 1135 for checking the validity of the connection account information, the transfer amount information, the transfer target account information, and the transfer target account information included in the received transfer transaction request information; The linked account and the grounded account based on the transfer transaction request information whose validity is confirmed in connection with the financial system 1165. Generates predetermined financial transaction result information for the financial transaction for transfer of funds between the linked account and the underlying account in connection with the financial transaction processing unit 1140 and the financial transaction processing unit 1140 that process the financial transaction for the transfer of funds between the left And an information transmitter 1130 for transmitting the financial transaction result information to the counter terminal in association with the interface unit 1115.

In addition, the financial transaction server 1100 is a fax data receiving unit 1105 (or fax data receiving means) for receiving fax data for a fax document (or fax electronic document) sent through the customer's fax terminal, and the customer. When receiving a fax from the fax terminal of the information, the information providing unit 1110 (or information providing means) that provides whether or not to receive the fax to the terminal of the teller (or responsible staff), and the teller (or staff) In a voice call with a customer, the voice data receiver 1145 (or voice data receiving means) for receiving the voice call data and the received voice data are recognized to confirm whether the voice is the voice of the customer. In the case of the voice, the transaction authentication processing unit 1150 (or transaction authentication processing means) for processing the authentication of the customer, and the customer whose authentication is confirmed the predetermined amount of money from the connection account; When requesting a transfer to the account, an information checking unit for confirming whether or not recording agreement information is included in the base account information, and when the customer agrees to record, the received voice data is sent to the customer. And an information storage unit 1155 for storing the received fax data in the storage medium 1160 in association with the information and storing the received fax data in association with the customer information for the customer. It is characterized by.

The teller terminal inputs (or selects) transfer transaction request information including at least one of the connection account information, the transfer amount information, the transfer target account information, and the transfer target account information through the user interface, and transmits the request through the communication network. Characterized in that the transmission to the financial transaction server 1100.

The information receiving unit 1125 inputs (or selects) transfer transaction request information including at least one of connection account information, transfer amount information, transfer target account information, and transfer target account information through the user interface at the window terminal. When the data is transmitted through the communication network, the transfer transaction request information is received in connection with the interface unit 1115, and the received transfer transaction request information is provided to the validity confirming unit 1135.

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information includes a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, wherein the transfer amount does not exceed the balance deposited in the linked account. It is characterized by not.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

The validity confirming unit 1135 checks whether the transfer transaction request information received from the window terminal satisfies the validity for transfer of funds between the linked account and the base account.

According to an embodiment of the present invention, the validity of the transfer transaction request information may be determined by the account ledger for the financial account corresponding to the linked account information included in the transfer transaction request information in the ledger D / B on the financial system 1165. (Or check whether the customer ledger corresponding to the linked account) is provided, and if the account ledger (or customer ledger corresponding to the linked account) is provided in the transfer transaction request information It is desirable that the validity of the certificate is verified.

In addition, the validity confirmation of the transfer transaction request information is the amount deposited in the linked account (for example, the account ledger provided in the ledger D / B on the financial system 1165 corresponding to the linked account) the transfer transaction request It is preferable to include whether the amount is greater than the amount of the transfer included in the information, and if the balance of the balance is greater than the transfer amount, the validity of the transfer transaction request information is preferably authenticated.

In addition, the validity confirmation of the transfer transaction request information is the account ledger (or the transfer target) for the financial account corresponding to the transfer target account information included in the transfer transaction request information in the ledger D / B on the financial system 1165 It is preferable to include whether the customer ledger corresponding to the account is provided, and if the account ledger (or the customer ledger corresponding to the transfer target account) is provided, the validity of the transfer transaction request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer transaction request information, the account ledger (or the linked account) for the financial account corresponding to the linked account information included in the transfer transaction request information in the ledger D / B on the financial system 1165 It is preferable to check whether the transfer target account is a withdrawal account (ie, a grounded account).

When the validity of the transfer transaction request information is confirmed, the financial transaction processing unit 1140 is linked to the financial transaction system 1165 provided with the account ledger corresponding to the linked account, the linked account information included in the transfer transaction request information. And the financial transaction for transfer of funds between the linked account and the base account based on the transfer amount information, the transfer target account information and the transfer target account information.

According to the implementation method of the present invention, the financial transaction processing unit 1140 is linked to the financial system 1165, the amount corresponding to the transfer amount information from the account ledger corresponding to the linked account information included in the transfer transaction request information If the transfer target account included in the transfer transaction request information is matched with the base account, transfer the amount, or the transfer target account included in the transfer transaction request information does not match the base account. In this case, it is preferable to notify the transfer transaction processing in conjunction with the information providing unit.

When the financial transaction for transfer of funds between the linked account and the underlying account is processed by the financial transaction processor 1140, the information transmitter 1130 is connected between the linked account and the underlying account in connection with the financial transaction processor 1140. A financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for transfer of money is generated, and is linked to the interface unit 1115 to include a financial transaction processing history. And transmits transaction result information to the teller terminal through the communication network.

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

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the window terminal through the communication network. A predetermined financial transaction receipt including the financial transaction processing history included in the financial transaction result information is output.

The fax data receiving unit 1105 may receive fax data about a fax document (or a fax electronic document) sent through the customer's fax terminal, and the received fax data may be provided in the information providing unit 1110. It is preferable to provide the fax reception information to the clerk (or staff member) terminal in charge of the customer, or provide the information storage unit 1155 to associate with the customer information for the customer and store the information.

Thereafter, it is preferable to check the received fax data and make a telephone call with the customer. According to the intention and purpose of the person skilled in the art, a connection is made to the parent account immediately according to the virtual account opening procedure using the received fax data. You can also open an account.

The voice data receiving unit 1145 may receive the voice call data when the counter employee (or a responsible employee) makes a voice call with the customer, and the voice call history information on the received voice call data is After the transaction authentication of the customer is confirmed (or irrespective of the customer), it is preferable to store the data in the storage medium 1160 in association with the information storage unit 1155.

According to an embodiment of the present invention, the voice data receiver 1145 receives data consisting of analog (or digital) received from a voice call terminal (for example, a landline phone or a mobile phone) of the customer. When data is received, the voice data receiver 1145 preferably further includes a function of an analog to digital (A / D) converter.

The transaction authentication processing unit recognizes the received voice data, confirms whether or not the voice of the customer, and if the voice of the customer, characterized in that for processing the authentication of the customer.

According to the method of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 1160 when the customer opens the base account, and confirms the customer, and the voice data information of the customer If is confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

According to another exemplary embodiment of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 1160 by the customer, to identify the customer, and the voice data information of the customer is stored. If confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

The information checking unit checks whether or not the recording consent information is included in the base account information corresponding to the mother account when the authenticated customer requests to open a linked account based on the base account corresponding to the mother account. Preferably, when the customer agrees to record, the received voice data is preferably stored in the storage medium 1160 in association with the customer information about the customer.

12 is a diagram illustrating a ledger configuration corresponding to a linked account provided in the financial system 1165 for a face-to-face financial transaction for transfer of funds between a linked account and a grounded account according to an embodiment of the present invention.

More specifically, FIG. 12 shows an account ledger corresponding to the linked account opened through the linked account opening system shown in FIG. 8 in the ledger D / B provided in the DBMS on the financial system 1165 shown in FIG. As illustrated in FIG. 12, a financial system 1165 may be used to transfer funds between the linked account and the underlying account by referring to and / or modifying the drawing of FIG. 12. Various implementation methods for the ledger configuration corresponding to the connection account provided in) may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 1165 may include a predetermined customer ledger and at least one account associated with the customer ledger. Ledgers (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person having ordinary knowledge in the technical field to which the present invention belongs, the financial system 1165 In the ledger D / B provided in the DBMS on the at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and 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. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the linked account for the transfer of funds between the linked account and the underlying account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a branch number, a customer classification, a customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account No., President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, and Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the linked account for the transfer of funds between the linked account and the underlying account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic receipt information including at least one or more of a period, (days), period extension, expiration date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief 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.

13 is a diagram illustrating a process of processing a financial transaction for transfer of funds between a linked account and a base account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a case in which the financial transaction server 1100 on the financial transaction system illustrated in FIG. 11 includes a ledger server function on the financial system 1165 associated with a teller terminal through a predetermined communication network. After the counter terminal connects to the financial transaction server 1100 and connects a communication channel for the financial transaction, the connection account information, the transfer amount information, and the object of transfer to the financial transaction server 1100 through the communication channel. When the transfer transaction request information including account information and target transfer account information is transmitted, the financial transaction server 1100 connects the transfer account information, the transfer amount information, and the transfer target account information included in the received transfer transaction request information; The present invention relates to an implementation method for providing a financial transaction for transfer of funds between the linked account and the underlying account using the transfer target account information. Those skilled in the art can refer to and / or modify this drawing 13 to infer various implementation methods for processing financial transactions for transfer of funds between linked accounts and underlying accounts in the face-to-face manner. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the window terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the financial transaction server 1100 shown in FIG. 11 is referred to as "server" for convenience.

Referring to FIG. 13, the terminal illustrated in FIG. 11 connects a communication channel for at least one financial transaction with the server through the communication network, and connects account information and transfer for transferring funds between the connection account and the underlying account. A user interface for inputting (or selecting) transfer transaction request information including at least one piece of money information, at least one transfer target account information, and at least one transfer target account information is output (1300).

Thereafter, a predetermined application (eg, at least one or more information for transferring funds between the linked account and the underlying account) includes at least one of the linked account information, the transfer amount information, the transfer target account information, and the transfer target account information from the customer. A document having a form for filling out an item) is completed and submitted, the terminal transmits at least one of the connection account information, the transfer amount information, the target account information and the target account information included in the application through the user interface. Input (or select) transfer request information including one or more (1305), and at least one of the connection account information, the transfer amount information, the transfer target account information, and the transfer target account information through a communication network connecting the terminal and the server; The transfer transaction request information including the above is transmitted to the server (1315).

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information comprises a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, the transfer amount does not exceed the balance deposited in the linked account It is characterized by.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

Thereafter, the server receives and reads transfer transaction request information including at least one of the connection account information, the transfer amount information, the transfer target account information, and the transfer target account information through the communication network, thereby validating the transfer transaction request information. Check (1320).

According to an embodiment of the present invention, the validity of the transfer transaction request information may be determined by the account ledger for the financial account corresponding to the linked account information included in the transfer transaction request information in the ledger D / B on the financial system 1165. (Or check whether the customer ledger corresponding to the linked account) is provided, and if the account ledger (or the customer ledger corresponding to the linked account) is provided, It is desirable that the validity be authenticated.

In addition, the validity confirmation of the transfer transaction request information is the amount deposited in the linked account (for example, the account ledger provided in the ledger D / B on the financial system 1165 corresponding to the linked account) the transfer transaction request It is preferable to include whether the amount is greater than the amount of the transfer included in the information, and if the balance of the balance is greater than the transfer amount, the validity of the transfer transaction request information is preferably authenticated.

In addition, the validity confirmation of the transfer transaction request information is the account ledger (or the transfer target) for the financial account corresponding to the transfer target account information included in the transfer transaction request information in the ledger D / B on the financial system 1165 It is preferable to include whether the customer ledger corresponding to the account is provided, and if the account ledger (or the customer ledger corresponding to the transfer target account) is provided, the validity of the transfer transaction request information is authenticated. It is preferable to be.

In addition, the validity check of the transfer transaction request information, the account ledger (or the linked account) for the financial account corresponding to the linked account information included in the transfer transaction request information in the ledger D / B on the financial system 1165 It is preferable to check whether the transfer target account in the customer ledger corresponding to the withdrawal account.

If the validity of the transfer transaction request information is not authenticated (1325), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1330), and establishes the communication network. The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1350), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1355).

On the other hand, if the validity of the transfer transaction request information is authenticated (1325), the server is linked to the financial account 1165 having an account ledger corresponding to the linked account and linked account information included in the transfer transaction request information Based on the transfer amount information, the transfer target account information and the transfer target account information, a financial transaction for transfer of funds between the linked account and the base account is processed (1335).

According to an embodiment of the present invention, the server transfers the amount corresponding to the transfer amount information from the account ledger corresponding to the linked account information included in the transfer transaction request information in connection with the financial system 1165. desirable.

If the financial transaction corresponding to the transfer transaction request information is processed (1340), 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. (1345), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication network (1350), and correspondingly, the terminal prints a financial transaction receipt including the financial transaction processing history. Output (1355).

According to the present invention, by opening a linked account through the grounded account, since the transaction can be made only with the linked account on the basis of the grounded account, there is an advantage that a new financial account can be opened and processed in a safe manner.

In addition, by operating a non-face-to-face channel in this way, there is an advantage that the financial transaction service can be used more safely and conveniently from the customer's point of view.

In addition, by providing a recognition method using the voice of the customer, there is an advantage that more reliable customer authentication, and in the busy modern society, customers can use the financial transaction services without visiting the financial institution.

Claims (6)

Connecting, by the server, the base account information obtained from the customer to the agreement about the remote transaction and the remote transaction agreement setting information, and storing the information on the storage medium; If the customer requests to open a financial account connected to the base account is a contract for a remote transaction via a non-face-to-face channel, the server receives the customer information and base account information from the terminal; Confirming, by the server, remote transaction agreement setting information connected to the received base account information through the storage medium; And, if a remote transaction agreement is previously set in the base account, opening a financial account connected to the base account according to the request of the customer. The financial account using the non-facing channel, comprising: How to operate. The method of claim 1, If the financial account is a financial product linked account for investment, further comprising the step of providing at least one or more product information, terms and conditions information, investment prospectus information for the financial product for the investment to the terminal of the customer Financial account management method using non-face-to-face channel. The method of claim 1, When the transfer transaction request information is received through the financial account connected to the base account, confirming the deposit side account information included in the transfer transaction request information; Checking whether the confirmed depositing side account information matches the base account; And And when the confirmed deposit account information matches the base account, the transfer transaction corresponding to the transfer transaction request information is processed, and when the check result, the deposit side account information is different from the base account And notifying a transfer transaction processing impossibility corresponding to the transfer transaction request information. The method of claim 1, When the non-face-to-face channel is a voice call channel, the method further comprises the step of reading the voice data of the customer to process the authentication of the customer, or storing the voice data of the customer in a storage medium. Financial account management method using non-facing channel. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving customer information and base account information from a terminal at a server when the customer requests to open a financial account connected to a base account for which a contract for a remote transaction is set through a non-face-to-face channel; Means for confirming whether to establish a remote transaction agreement associated with the received base account information; And a means for opening a financial account linked to the grounds account according to the customer request, if the remote transaction agreement is previously set in the grounds account. Operating system.

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