KR20090040970A - System and method for processing bond transfer and recording medium - Google Patents

Abstract

A bond transfer method and a system thereof and a program recording medium therefor capable of a bond transfer process through an automatic process by a server are provided to manage a rightful person by processing the bond transfer process through the electronic document. A bond electronic document register connects a bond electronic document, processing a bond document which a client possesses as the electronic document and the bond document information corresponding to the bond electronic document. The connected information is stored in a storage medium. An information receiving unit(1015) receives the bond document information and transfer target information about the bond. A bond electronic document confirming unit connects with the storage media by confirming the object of moving bond electronic document corresponding to the bond document information. A bond transfer processor(1025) appoints the rightful person about the confirmed bond electronic document as the object of moving person.

Description

Bond transfer processing method and system and program recording medium therefor {System and Method for Processing Bond Transfer and Recording Medium}

1 is a diagram illustrating a face-to-face bond document registration system for electronic documentation of bond-related documents according to an embodiment of the present invention.

2 is a view showing the configuration of the bond information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the electronic documentation of bond-related documents in accordance with an embodiment of the present invention.

3 is a view showing the configuration of the bond information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for electronic documentation of the bond-related document in accordance with another embodiment of the present invention.

4 is a view showing the configuration of the bond information stored in the DBMS provided in the banking server in a face-to-face manner for the electronic documentation of the bond-related document in accordance with another embodiment of the present invention.

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

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

7A and 7B illustrate a process of registering bond information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a face-to-face bond paper transfer processing system for bond paper transfer processing according to one embodiment of the present invention.

9 is a view showing a face-to-face bond paper transfer processing process for bond paper transfer processing according to an embodiment of the present invention.

10 is a diagram illustrating a non-face-to-face bond paper transfer processing system for bond paper transfer processing according to another embodiment of the present invention.

11 is a diagram illustrating a process of registering right transfer request information in a non-face-to-face manner for bond document transfer processing according to one embodiment of the present invention.

12A and 12B illustrate a process of registering right transfer request information in a non-face-to-face manner for bond document transfer processing according to another embodiment of the present invention.

<Description of main parts of drawing>

800: bond document transfer processing server 805: interface unit

810: interface providing unit 815: information receiving unit

820: information verification unit 825: previous processing unit

830: information storage unit 835: electronic document D / B

840: transfer request terminal

The present invention provides a bond electronic document generation step of generating a bond paper document (or bond electronic document)-personal loan application, corporate loan application, credit card application-of the bond holding customer (or financial institution) as a bond electronic document; A storage step of storing a bond electronic document in a storage medium, and a receipt electronic document checking step of confirming a bond electronic document to which a right to transfer rights is received in connection with the storage medium when a request for transferring a right to the bond is received; The present invention relates to a bond transfer processing method including a bond electronic document transfer step of converting the bond holder information included in the confirmed bond electronic document into information on the subject of transfer of rights.

An object of the present invention for solving the above problems is to generate a bond paper document (or bond electronic document)-personal loan application, corporate loan application, credit card application-of the bond holding customer (or financial institution) as a bond electronic document Bond electronic document generating means, bond electronic document registering means for storing and registering the generated bond electronic document in a storage medium, information receiving means for receiving right transfer request information for the bond, and the received right transfer request. Bond electronic document verification means for verifying and extracting a bond electronic document corresponding to the information through the storage medium and the process of changing the bond holder information included in the confirmed bond electronic document to the right transfer target information, or Delete the bond electronic document, create a new bond electronic document for the transfer of the rights to the storage medium The present invention provides a bond transfer processing system including a bond transfer processing means for storing and registering.

Bond transfer processing method according to the present invention, a bond paper document (or bond electronic documents-electronic documents containing information entered in the electronic form provided through a non-face-to-face channel) of the customer holding the bond (or financial institution) bonds A bond electronic document generation step of generating an electronic document, a bond electronic document storage step of storing the generated bond electronic document in a storage medium, and when a request for a right transfer of the bond is received, the right transfer is linked with the storage medium. And a bond electronic document verification step of confirming the target bond electronic document, and a bond electronic document transfer step of changing and processing the bond holder information included in the confirmed bond electronic document into information on the subject of transfer of rights.

On the other hand, the bond transfer processing method according to the present invention, a bond paper document (or bond electronic documents-electronic documents including information entered in the electronic form provided through a non-face-to-face channel) of the customer holding the bond (or financial institution)- A bond electronic document generation step of generating a bond electronic document, a bond electronic document storage step of storing the generated bond electronic document and bond information including rights holder information on the bond in a storage medium; When the request for transfer of the right to the bond is received, the step of confirming the bond electronic document and the bond information to which the rights transfer target is related to the storage medium and the existing rights holder information included in the confirmed bond electronic document and the bond information are performed. It is characterized in that it comprises a step of transferring the bond electronic documents to the rights transfer target information.

Bond transfer processing method according to the invention, characterized in that further comprising the step of obtaining the approval for the bond transfer through the existing bond holding customers (or financial institutions) before the bond electronic document transfer step.

The bond transfer processing method according to the present invention may further include, after the bond electronic document transfer step, transmitting the bond transfer process to an existing bond holding customer (or financial institution) and a bond transfer target communication means. It is done.

In the bond transfer processing method according to the present invention, the bond electronic document transfer step may further generate a bond transfer electronic document transferring a right holder for the bond electronic document and store the link electronic document in association with the bond electronic document, or the bond electronic document. If there is an item relating to the transfer of the bond on the document, the item relating to the transfer of the bond is updated or the bond electronic document is regenerated after updating the stored right holder information in connection with the bond electronic document. .

In the bond transfer processing method according to the present invention, the storage medium is an electronic document D / B provided in the authorized electronic document storage server, or an electronic document D provided in a separate server for storing the electronic document for the bond document / B.

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

Meanwhile, the bond transfer processing system according to the present invention stores a bond electronic document in which a bond document held by a customer (or a financial institution) is processed as an electronic document and the bond document information corresponding to the bond electronic document is stored in a storage medium. Bond electronic document registration means, information receiving means for receiving bond document information and transfer target information on the bond (or bond electronic document), and transfer target bond electronic document corresponding to bond document information in association with the storage medium. Characterized in that it comprises a bond electronic document confirmation means for confirming, and a bond transfer processing means for transferring the right holder for the identified bond electronic document to the transfer target.

On the other hand, the bond transfer processing system according to the present invention, the bond paper document (or bond electronic documents-electronic documents including the information entered in the electronic form provided through the non-face-to-face channel) of the customer holding the bond (or financial institution)- A bond electronic document generating means for generating a bond electronic document, a bond electronic document registering means for storing and registering the generated bond electronic document in a storage medium, an information receiving means for receiving the right transfer request information for the bond; A process for changing the bond electronic document verification means for verifying and extracting the bond electronic document corresponding to the received right transfer request information through the storage medium and the bond holder information included in the confirmed bond electronic document to the rights transfer target information; Or delete the identified existing bond electronic document and create a new bond electronic document for the transferred right bond. Characterized in that it comprises a bond transfer processing means for storing and registering in the storage medium.

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.

Those skilled in the art to which the present invention pertains may refer to and modify the present invention to show only the case where the owner of the bond electronic document is for the customer, but the present invention is not limited thereto. The holder of the electronic document may be a financial institution.

In addition, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify the present invention, in addition to a method for generating a bond electronic document using a bond paper document provided through a facing channel through a non-facing channel. The bond electronic document using the provided bond electronic document may be easily inferred from the method of generating, but the present invention is not limited thereto.

Hereinafter, in the present invention, the bond paper document corresponding to the bond document is referred to as "bond document information" for convenience.

1 is a diagram illustrating a face-to-face bond document registration system for electronic documentation of bond-related documents according to an embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer prepares and submits a bond document including at least one of customer information and bond document information for electronic documenting of a bond related document, a predetermined image is received from a predetermined window terminal 175. Acquiring predetermined image contents corresponding to the bond document through an obtaining device, and obtaining bond information corresponding to the bond document and the image content obtained from the bond document through a predetermined information registration interface. If provided, a predetermined bond electronic document including the image content is generated and stored in a predetermined electronic document storage, and the predetermined storage medium 170 is processed by linking the customer information and the bond document information included in the bond information. A system configuration for storing in an electronic document, specifically, the electronic document storage is a predetermined communication means Through it on to an embodiment which is provided on the external system associated with the bond paper registration system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for the construction of a bond document registration system for electronic documentation of bond related documents. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

In addition, according to the implementation method shown in FIG. 1, a bond electronic document corresponding to the bond document is described as being generated on the server side on the bond document registration system, but the present invention is not limited thereto. The bond electronic document may be generated on a terminal side that has obtained image content corresponding to the bond document through a predetermined image obtaining apparatus (for example, the terminal may include an electronic document generating function provided on the server side. Generating the bond electronic document), by which the present invention is not limited.

Hereinafter, by receiving a bond information and image content corresponding to the bond document prepared by the customer through a predetermined information registration interface on the bond document registration system shown in FIG. 1, a predetermined bond electronic document is generated to generate a predetermined bond electronic document storage. And components corresponding to at least one or more means and / or functional configurations for storing the bond information in the predetermined storage medium 170 are referred to as " information registration server 100 "

Referring to FIG. 1 according to an embodiment of the present invention, a bond document registration system for electronic documenting the bond-related document includes a counter terminal 175 provided at at least one branch (or branch) of a financial institution. Characterized in that it comprises an information registration terminal 180, the information registration terminal 180 is connected to the communication channel and the information registration server 100 provided on the bond document registration system through a predetermined financial network. .

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (office) for electronic documenting of the bond-related document, and visits a window staff (or counter staff) at a window provided at the financial institution branch (business). Through a predetermined bond document (e.g., a document having a form for filling in at least one information item for electronic documenting the bond-related document), wherein the customer It is desirable to seal the customer's seal for the legal basis for the bond document.

Subsequently, when the customer submits the prepared bond document to the teller, the teller scans the bond document through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined teller terminal 175. Input (or select) bond information including at least one of image content acquired in response to the bond document, customer information written in the bond document, and bond document information, and the counter terminal 175 responds to the above. It is preferable to transmit the image content and bond information to the information registration server 100 provided on the bond document registration system through the financial network.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the bond document registration system as described above, an image acquisition device for acquiring image contents corresponding to the bond document created by the customer, the teller terminal 175 and the teller terminal 175 used by the employee, and the information registration The financial network connecting the server 100 performs a function of an information registration interface for the customer to register bond information for the electronic document of the bond-related document.

The storage medium 170 provided on the bond document registration system according to the present invention performs a predetermined storage medium by cooperatively processing the customer information and bond document information included in the bond information provided from the information registration terminal 180. And to store at 170.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer has the financial information). By signing up as a financial transaction customer of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked with the bond document registration system in response to the customer, It is preferable to comprise at least one or more.

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the bond document registration system (or associated with the bond document registration system), wherein the storage medium 170 The storage medium 170 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 170 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the bond document registration 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 information registration server 100 provided on the bond document registration system according to the present invention is a generic term for the bond document registration system side component connected to the information registration terminal 180 through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 180 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It connects a window terminal 175 with a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 175. It is desirable to.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 receives the bond. Acquire image contents corresponding to the bond document prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 180 for electronic documenting of the related document, and input bond information corresponding to the bond document ( Or) generating (or extracting) at least one user interface for transmitting to the information registration server 100 and registering the generated (or extracting) user interface in association with the interface unit 105. Interface providing unit 11 provided to the terminal 180, and the bond information corresponding to the bond document through the user interface in the information registration terminal 180 Is input (or selected) and transmitted, the information receiving unit 115 for receiving the bond information transmitted from the information registration terminal 180 in association with the interface unit 105, and in the information registration terminal 180 Acquiring and transmitting image contents corresponding to the bond document written by the customer through a predetermined image obtaining apparatus based on the user interface, and receives the image content corresponding to the bond document in connection with the interface unit 105. Characterized in that it comprises an image receiving unit 120.

The interface providing unit 11 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for electronic documenting of a bond related document, image content corresponding to the bond document prepared by the customer is obtained through a predetermined image acquisition device provided in the information registration terminal 180, Generate at least one user interface for inputting (or selecting) corresponding bond information and transmitting it to the information registration server 100 through the financial network, and / or extract from a predetermined database (not shown), Providing the generated (or extracted) user interface to the information registration terminal 180 through the financial network in conjunction with the interface unit 105 It is characterized by.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image content corresponding to the bond document prepared by the customer through a predetermined image acquisition device, and inputs bond information corresponding to the bond document (or If a predetermined information registration program having at least one user interface for transmitting to the information registration server 100 through the financial network is provided, the customer through the predetermined image acquisition apparatus as described above Obtaining image content corresponding to the created bond document, generating (or extracting) the user interface for inputting (or selecting) bond information corresponding to the bond document and transmitting it to the information registration server 100 to register the information. The interface providing unit 11 provided to the terminal 180 may be omitted. Shall not.

Thereafter, the information registration terminal 180 inputs (or selects) bond information including at least one of the customer information and bond document information through the user interface, and inputs the input (or selected) bond information into the finance. The information receiving server 115 transmits to the information registration server 100 through a network, and correspondingly, the information receiving unit 115 receives the bond information transmitted from the information registration terminal 180 in association with the interface unit 105. It features.

In addition, the information registration terminal 180 obtains the image content corresponding to the bond document prepared 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, in response thereto, receives the image content corresponding to the bond document in association with the interface unit 105.

According to another embodiment of the present invention, the information registration terminal 180 is provided to the information registration terminal 180 by obtaining image content corresponding to the bond document prepared by the customer through a predetermined image acquisition device ( Or, if the information is stored in a predetermined storage device, the information registration terminal 180 is the image content corresponding to the bond document created by the customer of the at least one or more image content previously stored in the storage device through the user interface Select and transmit to the information registration server 100 through the financial network, in response to the image receiving unit 120 receives the image content corresponding to the bond document in conjunction with the interface unit 105 desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal 180 transmits image content corresponding to the bond document written by the customer and the bond information corresponding to the bond document through the user interface, The information receiver 115 may receive image content corresponding to the bond document and bond information together with the interface unit 105 (eg, integrate the image receiver 120 into the information receiver 115). Operation), whereby the present invention is not limited.

Referring to FIG. 1, when the information registration server 100 receives the bond information transmitted from the information registration terminal 180 through the information receiving unit 115, the received bond information is stored in the document related to the bond. Characterized in that it comprises a validity check unit 125 to determine whether the validity for the electronic document.

According to the method of the present invention, the validity of the bond information is to check whether at least one ledger information matching the bond information is registered in the ledger D / B on the financial system associated with the bond document registration system. It is preferable to comprise.

For example, the validity confirming unit 125 stores the customer information (customer personal information, member information, etc.) among the information included in the bond information stored in the ledger D / B on the financial system associated with the bond document registration system. It is preferable to include checking whether the match with the customer ledger.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and receives the bond through the validity checking unit 125. When the validity of the information is authenticated, the electronic document generation unit 130 for generating a predetermined bond electronic document including the received image content, and the electronic document associated with the bond document registration system for the generated bond electronic document It is characterized by comprising an electronic document transmission unit 135 to transmit to the storage.

The electronic document generator 130 generates a bond electronic document including the image content received from the information registration terminal 180 through the image receiver 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is, the bond related document. It is desirable to treat the bond as an electronic document.

Alternatively, the electronic document generation unit 130 includes customer information included in the bond information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. In addition, it is preferable to generate a bond electronic document for electronically documenting the bond-related document with an image file corresponding to image content including at least one or more information of bond document information in a watermarking manner.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) Generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a bond electronic document for the electronic documentation of the document.

Alternatively, the electronic document generation unit 130 includes customer information included in the bond information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. And generating image content including at least one or more information of bond document information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file or EDI) including the generated image content. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate a bond electronic document for electronic documenting the bond related document. It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received bond information, or an MHT By generating a web document file, etc.), it is preferable to generate a bond electronic document for the electronic document of the bond-related document.

Alternatively, the electronic document generation unit 130 includes customer information included in the bond information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. And generating image content including at least one or more pieces of information of bond document information by a watermarking method, and a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the bond information. Files, or electronic data interchange (EDI) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 and the technical features of generating a bond electronic document of the image file format and / or a predetermined document file format, and the bond 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.

The electronic document transmitting unit 135 transmits and stores the bond electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the bond document registration system.

As shown in FIG. 1, the electronic document repository is connected with the information registration server 100 on the bond document registration system through a predetermined communication means and the electronic document D / B 165. When provided externally, the electronic document transmission unit 135 transmits the bond electronic document generated by the electronic document generation unit 130 to the electronic document server 145 through the communication means. Characterized in that.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the bond document registration system, the electronic document server 145 and the electronic document D / B 165 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the bond document registration system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the bond electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the bond document registration system, by which the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server (145) (eg, bond document corresponding to the image content) Customer information, and / or financial institution information for transmitting the bond electronic document, and / or the electronic document file format information, and / or the bond information, etc.) The present invention is not limited thereby.

In addition, the electronic document transmission unit 135 may further include the received bond document information to generate the predetermined electronic document management information in the electronic document server 145 and transmit to the electronic document repository. The present invention is not limited thereby.

Referring to Figure 1, the information registration server 100, if the bond information received through the information receiving unit 115 is validated for the electronic document of the bond-related document through the validity verification unit 125, And an information storage unit 140 for linking and processing the customer information and the bond document information included in the validity-certified bond information in a predetermined storage medium 170.

When the validity of the bond information is confirmed by the validity confirming unit 125, the information storage unit 140 processes the customer information and the bond document information included in the bond information to the storage medium 170. When the storage medium 170 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 140 Preferably, the storage information is stored in the storage medium 170 by linking and processing the customer information and the bond document information included in the received bond information, and when the storage medium 170 is provided in a DBMS provided on a financial system, The information storage unit 140 preferably provides customer information and bond document information included in the received bond information to an information system through an external system on the financial system and stores the information in a DBMS provided on the financial system. Do.

Referring to FIG. 1, an electronic document server which receives a predetermined bond electronic document from the information registration server 100 provided on the bond document registration system and stores and manages it in a predetermined electronic document D / B 165 ( 145, an electronic document receiving unit 150 for receiving a predetermined bond electronic document from the information registration server 100 through a predetermined communication means, and the electronic document D / B 165 for receiving the received bond electronic document. An information generation unit 155 for generating predetermined electronic document management information for storage and management in the electronic document management unit; It is characterized by comprising an electronic document storage unit 160.

The electronic document receiving unit 150 may receive a bond electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to an embodiment of the present invention, the bond electronic document received by the electronic document receiving unit 150 through the communication means includes the image content received by the information registration server 100 from the information registration terminal 180. It is preferable that the image file is included as it is.

Alternatively, the bond electronic document received by the electronic document receiving unit 150 through the communication means is a customer included in the bond information in the image content received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file corresponding to the image content including at least one or more information of the information, bond document information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the bond electronic document received by the electronic document receiving unit 150 through the communication means is the image content received by the information registration server 100 from the information registration terminal 180 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the bond electronic document received by the electronic document receiving unit 150 through the communication means is customer information included in the bond information in the image content received by the information registration server 100 from the information registration terminal 180. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) containing image content including at least one or more pieces of information of bond documents in a watermarking manner; And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another embodiment of the present invention, the bond electronic document received by the electronic document receiving unit 150 through the communication means is the image content received by the information registration server 100 from the information registration terminal 180 And a word processor file including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the bond information, and an MHT. Web document files, etc.).

Alternatively, the bond electronic document received by the electronic document receiving unit 150 through the communication means is customer information included in the bond information in the image content received by the information registration server 100 from the information registration terminal 180. Image content including at least one or more information of bond document information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) file) including the bond information. File, or a word processor file including at least one HWP / DOC, or the like, or a web document file including an MHT).

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the bond electronic document received through the electronic document receiving unit 150, and the bond electronics through the electronic document receiving unit 150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the document was received (or a date and time at which the bond electronic document was stored).

In addition, the generated electronic document management information is preferably made of a credit document further comprises information on the owner of the bond.

According to an exemplary embodiment of the present invention, the information generating unit 155 transmits the bond electronic document with reference to the information registration server 100 which has sent the bond electronic document received through the electronic document receiving unit 150. It is desirable to identify a financial institution 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 information registration server 100 through the electronic document receiving unit 150, the information generating unit 155 receives the received information. Electronic document-related information (e.g., customer information for preparing a bond document corresponding to the image content, and / or financial institution information for transmitting the bond electronic document, and / or electronic document file format information, and / or the bond information) It is preferable to generate the electronic document management information further including).

The electronic document storage unit 160 processes the bond electronic document received through the electronic document receiving unit 150 and electronic document management information generated through the information generating unit 155 to process a predetermined electronic document D / B. And at 165.

In addition, the electronic document storage unit 160 may further receive rights holder information in addition to the bond electronic document received through the electronic document receiving unit 150. When the right holder information is further received, the electronic document storage unit 160 is connected to the bond electronic document. Is preferably stored.

According to one embodiment of the present invention, the bond electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the information registration server 100 from the information registration terminal 180 It is preferable that the image file including the received image content is included as it is.

Alternatively, the bond electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may be included in the image content received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information and bond document information included in the bond information by a watermarking method.

According to another exemplary embodiment of the present invention, the bond registration document stored in the electronic document storage unit 160 in the electronic document D / B 165, the information registration server 100 is the information registration terminal 180 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 HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, the bond electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the bond in the image content received by the information registration server 100 from the information registration terminal 180. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of customer information and debt document information included in the information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the bond electronic document stored in the electronic document storage unit 160 in the electronic document D / B (165) is the information registration server 100 is the information registration terminal ( A word including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the image 180 and the bond information. Processor file, or a web document file including MHT).

Alternatively, the bond electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the bond in the image content received by the information registration server 100 from the information registration terminal 180. Image content including at least one or more information of customer information and bond document information included in the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the bond information, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in association with the bond electronic document is allocated to the bond electronic document. Preferably, a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in association with the bond electronic document transmits the bond electronic document. Preferably, the information registration server 100 further comprises financial institution information that has transmitted the bond electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 160 processes the electronic document in association with the bond electronic document. The electronic document management information stored in the D / B 165 may include the received electronic document related information (for example, customer information in which a bond document corresponding to the image content is created, and / or a financial institution that transmits the bond electronic document). Information, and / or electronic document file format information, and / or bond information or the like).

2 is a view showing the configuration of the bond information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the electronic document of the bond-related document in accordance with an embodiment of the present invention.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 170 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. The information structure for one embodiment of the method of storing the bond information including the customer information and the bond document information, and those skilled in the art to which the present invention pertains, refer to FIG. 2 and / or It will be possible to deduce a variety of information configuration method for storing the bond information in the ledger D / B (200) by modifying, but the present invention includes all the implementation method inferred, only by the implementation method shown in FIG. It is not limited.

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

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 2, the bond information provided through the bond document registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. The bond information includes customer information and bond document information. Characterized in that it comprises at least one or more.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer has the financial information). By signing up as a financial transaction customer of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked with the bond document registration system in response to the customer, It is preferable to comprise at least one or more.

According to another embodiment of the present invention, the bond information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of information, and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, whereby the present invention is not limited.

3 is a view showing the composition of the bond information stored in the database associated with the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for electronic documentation of the bond-related document in accordance with another embodiment of the present invention to be.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 170 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to associate the bond information with the ledger D / B 200 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the bond information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / If it is not easy to change the B (200), or the system expansion is not easy due to the nature of the financial system), the bond information is stored in a predetermined database instead of the ledger D / B 200, and the database and The implementation method of storing the ledger D / B 200 in a coordinated process is illustrated.

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

Referring to FIG. 3, the database stores and stores the customer information and the bond document information included in the bond information, and the bond information is linked to the ledger D / B 200. Preferably, the bond information further includes a CIF number corresponding to the ledger information.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g., the customer has the financial information). By signing up as a financial transaction customer of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked with the bond document registration system in response to the customer, It is preferable to comprise at least one or more.

4 is a view showing the configuration of the bond information stored in the DBMS provided in the banking server in a face-to-face manner for the electronic documentation of the bond-related document in accordance with another embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined banking system in which the storage medium 170 shown in FIG. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of configuring information on bond information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server may store and store customer information and bond document information included in the bond information.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the customer's member information (e.g. By signing up as a financial transaction customer of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked with the bond document registration system in response to the customer, It is preferable to comprise at least one or more.

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

In more detail, Figures 5a and 5b is a window terminal 175 provided at the financial institution branch (or branch) information registration terminal 180 on the bond document registration system shown in Figure 1, the information registration server ( In the case where 100) has a ledger server (not shown) function in the financial system associated with the counter terminal 175 through a predetermined financial network, a predetermined customer may use the customer information and the credit for the electronic document of the debt related document. When a bond document including at least one document information is created and submitted, a predetermined window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device, and then a predetermined information registration interface. When providing the credit information corresponding to the bond document and the image content obtained from the bond document to the bond document registration system through, the image content In a method of generating a predetermined bond electronic document containing a and stored in a predetermined electronic document storage, and the customer information, the bond document information included in the bond information to be stored in a predetermined storage medium 170 In detail, the window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image obtaining apparatus, transmits the predetermined image content to the information registration server 100, and then corresponds to the bond document. It shows an implementation method of inputting (or selecting) the bond information to be transmitted to the information registration server 100.

Persons having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the bond information with the information registration server 100 at the window terminal 175. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device, and / or corresponds to the bond document. Although a user interface for inputting (or selecting) bond information is illustrated and provided from the information registration server 100, the user interface is provided with a predetermined information registration program in the window terminal 175. It does not have to be provided from the information registration server 100, by which the present invention is not limited.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and bond document information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "bond information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits a bond document including at least one of customer information and bond document information for electronic documenting of a bond related document, the counter terminal shown in FIG. In operation 175, when the user interface for accessing the server through a predetermined financial network is connected to a predetermined communication channel and requests a user interface for electronic documenting of a bond related document corresponding to the bond document (500), The server generates (or extracts) a user interface for acquiring the predetermined image content corresponding to the bond document created by the customer through the predetermined image obtaining apparatus at the terminal and transmitting it to the server (505), and the financial network In operation 510, the generated (or extracted) user interface is transmitted to the terminal.

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

If image content corresponding to the bond document is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server generates (or extracts) a user interface for inputting (or selecting) bond information including at least one of customer information and bond document information corresponding to a bond document matching the image content, and transmitting the bond information to the server. In operation 530, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output in operation 535.

Thereafter, the terminal inputs (or selects) bond information including at least one of the customer information and bond document information through the user interface (540).

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

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

According to an embodiment of the present invention, the validity of the bond information is determined by whether at least one ledger information matching the bond information is registered in the ledger D / B 200 on the financial system associated with the bond document registration system. It is preferable to include checking.

For example, the validity verification unit 125 of the information contained in the bond information, the customer information (customer information, personal information, etc.) is ledger D / B (200) on the financial system associated with the bond document registration system It is desirable to include a check that matches the customer ledger stored in).

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

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

According to one embodiment of the invention, the server is a bond for the electronic document of the bond-related document as it is an image file containing the image content received from the information registration terminal 180 through the image receiving unit 120 It is preferable to process it as an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. It is preferable to generate a bond electronic document for electronically documenting the bond-related document with an image file corresponding to the image content including one or more information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is desirable to create an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file including the generated image content). By generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate a bond electronic document for the electronic document of the bond-related document.

According to another exemplary embodiment of the present invention, the server includes the image content received from the information registration terminal 180 through the image receiving unit 120 and the bond information received through the information receiving unit 115. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a bond electronic document for the electronic document of the bond-related document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the bond information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate a bond electronic document for electronic documenting the bond related document. desirable.

Those skilled in the art to which the present invention pertains can include technical features that the server generates bond electronic documents in an image file format and / or a predetermined document file format, an image file corresponding to the bond electronic document, and You will be familiar with the technical features of the file format for document files, so the detailed description is omitted for convenience.

Thereafter, the server stores the generated bond electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the bond document registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated bond electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Or, if the electronic document storage is provided on a DBMS provided in the bond document registration system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the bond document registration system It is possible to store in document D / B 165, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the bond electronic document in the electronic document storage is performed by linking the generated bond electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing in 165.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the bond electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a bond document corresponding to the image content, and / or financial institution information for transmitting the bond electronic document, and / or an electronic document file). Format information, and / or the bond information).

If the bond electronic document is stored in the electronic document repository (580), the server processes the customer information and the bond document information included in the bond information in a predetermined storage medium 170 and stored (585) Generating (or extracting) predetermined information registration history information (eg, details of storing the bond electronic document in the electronic document storage, and / or details of storing the bond information in the storage medium 170). The transmission to the terminal (590).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the bond document registration system (or associated with the bond document registration system), wherein the storage medium 170 The storage medium 170 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the storage medium 170 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the bond document registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

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

In more detail, Figures 6a and 6b is a window terminal 175 provided at the financial institution branch (or branch) information registration terminal 180 on the bond document registration system shown in Figure 1, the information registration server ( In the case where 100) has a ledger server (not shown) function in the financial system associated with the counter terminal 175 through a predetermined financial network, a predetermined customer may use the customer information and the credit for the electronic document of the debt related document. When a bond document including at least one document information is created and submitted, a predetermined window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device, and then a predetermined information registration interface. When providing the credit information corresponding to the bond document and the image content obtained from the bond document to the bond document registration system through, the image content In a method of generating a predetermined bond electronic document containing a and stored in a predetermined electronic document storage, and the customer information, the bond document information included in the bond information to be stored in a predetermined storage medium 170 In detail, the counter terminal 175 inputs (or selects) bond information corresponding to the bond document to the information registration server 100 and transmits the bond information to the bond document through a predetermined image acquisition device. A method of obtaining and transmitting corresponding image content to the information registration server 100 is shown.

Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 6a and 6b to register the bond information with the information registration server 100 in the window terminal 175. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, in the embodiment shown in FIGS. 6A and 6B, the window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device, and / or corresponds to the bond document. Although a user interface for inputting (or selecting) bond information is illustrated and provided from the information registration server 100, the user interface is provided with a predetermined information registration program in the window terminal 175. It does not have to be provided from the information registration server 100, by which the present invention is not limited.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information and bond document information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "bond information" for convenience.

6A and 6B, when a predetermined customer prepares and submits a bond document including at least one of customer information and bond document information for electronic documenting of a bond related document, the counter terminal shown in FIG. In step 175, if the user interface for electronic documenting of the bond-related document corresponding to the bond document is requested (600), in connection with the predetermined communication channel connected to the server through a predetermined financial network, The server generates (or extracts) a user interface for inputting (or selecting) bond information including at least one of customer information and bond document information corresponding to the bond document prepared by the customer and transmitting it to the server (605). In operation 610, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal inputs (or selects) bond information including at least one of the customer information and bond document information through the user interface (615).

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

Thereafter, the server receives and reads bond information including at least one of the customer information and bond document information through the financial network to check the validity of the bond information (630).

According to an embodiment of the present invention, the validity of the bond information is determined by whether at least one ledger information matching the bond information is registered in the ledger D / B 200 on the financial system associated with the bond document registration system. It is preferable to include checking.

For example, the validity verification unit 125 of the information contained in the bond information, the customer information (customer information, personal information, etc.) is ledger D / B (200) on the financial system associated with the bond document registration system It is desirable to include a check that matches the customer ledger stored in).

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

On the other hand, if the validity of the bond information is authenticated (635), the server acquires a predetermined image content corresponding to the bond document created by the customer through a predetermined image acquisition device in the terminal and transmits it to the server. An interface is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the bond document through a predetermined image acquisition device based on the user interface (655).

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

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

According to one embodiment of the invention, the server is a bond for the electronic document of the bond-related document as it is an image file containing the image content received from the information registration terminal 180 through the image receiving unit 120 It is preferable to process it as an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. It is preferable to generate a bond electronic document for electronically documenting the bond-related document with an image file corresponding to the image content including one or more information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is desirable to create an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate a bond electronic document for electronic documenting the bond related document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 180 and the bond information received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to generate a bond electronic document for the electronic document of the bond-related document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the bond information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate a bond electronic document for electronic documenting the bond related document. desirable.

Those skilled in the art to which the present invention pertains can include technical features that the server generates bond electronic documents in an image file format and / or a predetermined document file format, an image file corresponding to the bond electronic document, and You may be familiar with the technical features of the file format for document files, and thus the detailed description thereof is omitted for convenience.

Thereafter, the server stores the generated bond electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the bond document registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated bond electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Or, if the electronic document storage is provided on a DBMS provided in the bond document registration system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the bond document registration system It is possible to store in document D / B 165, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the bond electronic document in the electronic document storage is performed by linking the generated bond electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. Preferably at 165.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the bond electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a bond document corresponding to the image content, and / or financial institution information for transmitting the bond electronic document, and / or an electronic document file). Format information, and / or the bond information).

If the bond electronic document is stored in the electronic document storage (680), the server processes the customer information and the bond document information included in the bond information in a predetermined storage medium 170 and stored (685) Generating (or extracting) predetermined information registration history information (eg, details of storing the bond electronic document in the electronic document storage, and / or details of storing the bond information in the storage medium 170). It transmits to the terminal (690).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the bond document registration system (or associated with the bond document registration system), wherein the storage medium 170 The storage medium 170 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the storage medium 170 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the bond document registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering bond information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7b is a window terminal 175 provided at the financial institution branch (or branch) information registration terminal 180 on the bond document registration system shown in Figure 1, the information registration server ( In the case where 100) has a ledger server (not shown) function in the financial system associated with the counter terminal 175 through a predetermined financial network, a predetermined customer may use the customer information and the credit for the electronic document of the debt related document. When a bond document containing at least one document information is prepared and submitted, the predetermined window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device and registers predetermined information. When the bond information registration system provides bond information corresponding to the bond document and the image content obtained from the bond document through an interface, the image content is provided. In a method of generating a predetermined bond electronic document containing a and stored in a predetermined electronic document storage, and the customer information, the bond document information included in the bond information to be stored in a predetermined storage medium 170 In detail, the window terminal 175 acquires predetermined image contents corresponding to the bond document through a predetermined image acquisition device, and inputs (or selects) bond information corresponding to the bond document. The implementation method of transmitting to the registration server 100 is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 7a and 7b to register the bond information with the information registration server 100 in the window terminal 175. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the window terminal 175 acquires predetermined image content corresponding to the bond document through a predetermined image acquisition device, and / or is attached to the bond document. Although a user interface for inputting (or selecting) corresponding bond information is illustrated and provided from the information registration server 100, the user interface is provided with a predetermined information registration program in the window terminal 175. Is not necessarily provided from the information registration server 100, whereby the present invention is not limited.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and bond document information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "bond information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer prepares and submits a bond document including at least one of customer information and bond document information for electronic documenting of a bond related document, the counter terminal shown in FIG. In operation 175, when the user interface for electronic documenting of the bond related document corresponding to the bond document is requested (700), the server is connected to the server through a predetermined financial network and connected to a predetermined communication channel. The server inputs (or selects) bond information corresponding to the bond document prepared by the customer in the terminal, acquires predetermined image content corresponding to the bond document through a predetermined image obtaining device, and transmits it to the server. Generate (or extract) a user interface (705) and recall the generated (or extracted) user interface through the financial network; And it transmits the output words 710.

Thereafter, the terminal inputs (or selects) bond information including at least one of the customer information and bond document information through the user interface (715).

If bond information including at least one of the customer information and bond document information is input (or selected) through the user interface (720), the terminal receives the bond through a predetermined image acquisition device based on the user interface. The image content corresponding to the document is acquired (725).

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

Thereafter, the server receives and reads bond information including at least one of the customer information and bond document information through the financial network to check the validity of the bond information (740).

According to an embodiment of the present invention, the validity of the bond information is determined by whether at least one ledger information matching the bond information is registered in the ledger D / B 200 on the financial system associated with the bond document registration system. It is preferable to include checking.

For example, the validity verification unit 125 of the information contained in the bond information, the customer information (customer information, personal information, etc.) is ledger D / B (200) on the financial system associated with the bond document registration system It is desirable to include a check that matches the customer ledger stored in).

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

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

According to one embodiment of the invention, the server is a bond for the electronic document of the bond-related document as it is an image file containing the image content received from the information registration terminal 180 through the image receiving unit 120 It is preferable to process it as an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. It is preferable to generate a bond electronic document for electronically documenting the bond-related document with an image file corresponding to the image content including one or more information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). It is desirable to create an electronic document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file including the generated image content). By generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate a bond electronic document for the electronic document of the bond-related document.

According to another exemplary embodiment of the present invention, the server includes the image content received from the information registration terminal 180 through the image receiving unit 120 and the bond information received through the information receiving unit 115. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a bond electronic document for the electronic document of the bond-related document.

Alternatively, the server may include at least one of customer information and bond document information included in bond information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the bond information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate a bond electronic document for electronic documenting the bond related document. desirable.

Those skilled in the art to which the present invention pertains can include technical features that the server generates bond electronic documents in an image file format and / or a predetermined document file format, an image file corresponding to the bond electronic document, and You will be familiar with the technical features of the file format for document files, so the detailed description is omitted for convenience.

Thereafter, the server stores the generated bond electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes an electronic document D / B 165 and a predetermined electronic document server 145 linked with a server on the bond document registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated bond electronic document to the electronic document server 145 through the communication means to store in the electronic document D / B (165).

Or, if the electronic document storage is provided on a DBMS provided in the bond document registration system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the bond document registration system It is possible to store in document D / B 165, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the bond electronic document in the electronic document storage is performed by linking the generated bond electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing in 165.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the bond electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a bond document corresponding to the image content, and / or financial institution information for transmitting the bond electronic document, and / or an electronic document file). Format information, and / or the bond information).

If the bond electronic document is stored in the electronic document repository (765), the server processes the customer information and the bond document information included in the bond information in a predetermined storage medium 170 and stored (770) Generating (or extracting) predetermined information registration history information (eg, details of storing the bond electronic document in the electronic document storage, and / or details of storing the bond information in the storage medium 170). The transmission to the terminal (775).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the bond document registration system (or associated with the bond document registration system), wherein the storage medium 170 The storage medium 170 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, thereby limiting the present invention. Not.

According to another embodiment of the present invention, the storage medium 170 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the bond document registration 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 face-to-face bond paper transfer processing system for bond paper transfer processing according to an embodiment of the present invention.

In more detail, FIG. 8 provides rights transfer request information including at least one bond document information and target person information for a bond document transfer process to a bond document transfer processing system through a predetermined transfer processing interface. Then, the bond document transfer processing system transfers the right holder of the bond electronic document corresponding to the bond document information included in the provided right transfer request information to the transfer target right holder, and transfers the transfer processing details to a predetermined electronic document D / B. A system configuration for storing in 835, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 8 to configure a credit document transfer processing system for credit document transfer processing. Various implementation methods may be inferred, but the present invention is all inferred implementation methods It includes, and is not limited only by the embodiment method shown in the figure 8.

For example, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the transfer processing request terminal 840 requesting the bond document transfer processing by referring to and modifying this drawing x is provided in a financial institution, or It may be provided to a debt collection company, whereby the present invention is not limited.

Hereinafter, at least one or more means for storing the right transfer request information provided from the rights holder in the pre-document D / B 835 on the bond document transfer processing system shown in FIG. The components corresponding to the functional configuration are referred to as "bond document transfer processing server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the bond document transfer processing system for the bond document transfer process includes a transfer processing request terminal 840 including a counter terminal provided at at least one financial institution branch. The transfer processing request terminal 840 is connected to the bond document transfer processing server 800 provided on the bond document transfer processing system through a predetermined communication network.

According to an exemplary embodiment of the present invention, the holder visits the financial institution branch for the credit document transfer processing, and through the window provided at the financial institution branch (or through a teller) for the credit document transfer processing. After filling out a prescribed application (for example, a document with a form for filling in at least one item of information for the processing of receivables) and submitting the completed application to the counter clerk, the counter clerk will The information entered in the application is input (or selected), and the teller terminal transfers the input (or selected) information to the bond document transfer processing server 800 provided on the bond document transfer processing system through the communication network. It is desirable to send to.

Here, the transfer processing request terminal 840 preferably comprises a manager terminal used by the debt collection company staff provided in the bond collection company branch, bond document transfer processing connected to the transfer processing request terminal 840. Server 800 is preferably provided in the authorized electronic document storage.

Alternatively, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch of the financial institution, the bond document transfer processing server 800 connected to the teller terminal is a ledger provided on the financial system. Preferably, the server comprises a server, and the communication network connecting the teller terminal and the bond document transfer processing server 800 includes a branch network connecting the communication channel between the teller terminal and the bond document transfer processing server 800. It is preferable to make.

In the bond document transfer processing system as described above, an application created by the right holder, a teller terminal used by the teller employee, and a communication network connecting the teller terminal and the bond document transfer processing server 800 are used by the right holder. It performs the function of the transfer processing interface for inputting (or selecting) the right transfer request information for document transfer processing.

The electronic document D / B 835 provided on the bond document transfer processing system according to the present invention is an owner of the bond document information included in the right transfer request information provided from the transfer processing request terminal 840. It is characterized by storing in association with the processing of bond document information, rights holder information, transfer processing information transferred to the transfer target right holder.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The rights holder information includes personal information of the rights holder (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the rights holder who prepared the bond document, and member information of the rights holder (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the right resource book provided on the financial system linked to the credit document transfer processing system in response to the rights holder by joining as an institution financial transaction right holder; It is preferable to include at least one, and the owner information is preferably owner information for the owner after the owner transfer processing for the bond document is completed.

The transfer history information is preferably the change history when the right holder for the bond document is changed, the transfer process details, the transfer date and time, the transfer request point (for example, the branch of the financial institution, or electronic document archive) (Or a branch)), at least one of previous owner information and new owner information.

According to an embodiment of the present invention, the electronic document D / B 835 is provided in a DBMS on an electronic document server provided on the bond document transfer processing system (or associated with the bond document transfer processing system), Or it is preferably provided in the D / B on the electronic document server.

According to another exemplary embodiment of the present invention, the electronic document D / B 835 is provided in a DBMS on a financial system provided on the bond document transfer processing system (or linked with the bond document transfer processing system). Preferably, the electronic document D / B 835 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The invention is not limited.

According to another embodiment of the present invention, the electronic document D / B 835 is an Internet banking system, and / or a telebanking system provided (or linked) on the bond document transfer processing system. It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The bond document transfer processing server 800 provided on the bond document transfer processing system according to the present invention is a generic term for the bond document transfer processing system side component connected to the transfer processing request terminal 840 through a predetermined communication network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the transfer processing request terminal 840 is a teller terminal connected to a predetermined communication network, the bond document transfer processing server 800 is connected to the teller terminal through a predetermined communication network. It may be a ledger server provided on, and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system, whereby the present invention is limited. Not.

According to another embodiment of the present invention, when the transfer processing request terminal 840 is a client terminal (not shown) connected to a predetermined communication network, the bond document transfer processing server 800 is connected to the client terminal through the communication network. It may be provided on the electronic document server connected to (not shown), by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the transfer processing request terminal 840 may be a transfer processing request server (not shown) instead of the transfer processing request terminal 840 connected to a predetermined communication network. This is not limited.

According to an embodiment of the present invention, the bond document transfer processing server 800 connects and manages a predetermined communication channel with the transfer processing request terminal 840 through the communication network 805 (or interface means). It characterized by comprising a.

According to an exemplary embodiment of the present invention, when the transfer processing request terminal 840 is a window terminal connected to a predetermined communication network, the interface unit 805 is determined by the window terminal based on the protocol stack defined in the communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 8, the bond document transfer processing server 800 connects a communication channel with the bond document transfer processing server 800 through a predetermined transfer processing request terminal 840 through the interface unit 805. And generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined right transfer request information from the transfer processing request terminal 840 in cooperation with the interface unit 805 to generate the transfer processing request. The interface providing unit 810 (or interface providing means) provided to the terminal 840 and the interface unit 805 are input (or selected) through the user interface in the transfer request terminal 840. An information receiver 815 (or information receiving means) for receiving the predetermined right transfer request information to be transmitted, and a corresponding person corresponding to the bond document information included in the received right transfer request information. Information confirmation unit 820 (or information confirmation means) for confirming the target bond electronic document, and transfer processing unit for transferring the bond document to the transfer target holder included in the right transfer request information in response to the identified right transfer request information. 825 (or transfer processing means), and an information storage unit 830 (or information storage means) for storing the bond document transfer processing details in the electronic document D / B (835). .

The interface providing unit 810 connects a predetermined transfer processing request terminal 840 and a communication channel with the bond document transfer processing server 800 through the interface unit 805, and then transfer processing request terminal 840. Corresponding to the functional configuration provided in the) to generate (or select) the right transfer request information to generate a predetermined user interface that can be transmitted to the bond document transfer processing server 800 through the communication network, and / or Extract from a database (not shown), and provide the generated (or extracted) user interface to the preprocessing request terminal 840 through the communication network in association with the interface unit 805.

At least one user interface for inputting (or selecting) the right transfer request information to the transfer processing request terminal 840 according to another embodiment of the present invention and transmitting the transfer right to the bond document transfer processing server 800 through the communication network. In the case where a program for processing a predetermined bond document transfer is provided, the interface providing unit 810 for providing the user interface to the transfer processing request terminal 840 may be omitted, thereby limiting the present invention. Not.

Thereafter, the transfer processing request terminal 840 inputs (or selects) right transfer request information including at least one of the bond document information and transfer target information based on the user interface, and the input (or selection) The right transfer request information is transmitted to the bond document transfer processing server 800 through the communication network.

According to an embodiment of the present invention, when the transfer processing request terminal 840 is a window terminal connected to a predetermined communication network, the interface providing unit 810 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 805.

The information receiving unit 815 inputs (or selects) right transfer request information including at least one of bond document information and transfer target information from the transfer processing request terminal 840 through the user interface, and transmits it through the communication network. In this case, the rights transfer request information is received in cooperation with the interface unit 805, and the received rights transfer request information is provided to the information checking unit 820.

The information checking unit 820 is characterized in that the transfer target bond electronic document corresponding to the bond document information included in the right transfer request information received from the transfer processing request terminal 840.

According to an embodiment of the present invention, the bond electronic document confirmation corresponding to the bond document information included in the right transfer request information is provided on the bond document transfer processing server 800, the electronic document D / B (835) It is preferable to include whether to check whether there is information matching the bond document information.

According to another embodiment of the present invention, the bond electronic document confirmation corresponding to the bond document information included in the right transfer request information is on an electronic document server (not shown) associated with the bond document transfer processing server 800. It is preferable that the electronic document D / B 835 provided in the check to include whether there is information matching the document information.

When the bond electronic document corresponding to the bond document information included in the right transfer request information is confirmed, the transfer processing unit 825 may assign the right holder of the bond electronic document previously stored as the transfer target right holder included in the received right transfer request information. It is desirable to update and transfer the holder of the bond electronic document.

In addition, the transfer processing unit 825 requests the right holder before the transfer processing process for the bond electronic document in the right transfer processing process for the bond electronic document and receives the approval for approval of the transfer of the bond electronic document, and then transfers the transfer process. The process may be further included, whereby the present invention is not limited.

In addition, the transfer processing unit 825, in the process of transfer of the bond right, after the right holder for the bond electronic document is changed, the transfer of the rights of the bond electronic document with the right holder of the existing bond electronic document and the changed bond electronic document. The process of notifying the result by transmitting to the communication means of the owner may be further included, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the right holder of the bond electronic document corresponding to the bond document information is included in the bond holder information on the electronic document management information for managing the bond electronic document, By changing, it is preferable to transfer the right holder of the bond electronic document.

According to another embodiment of the present invention, the change of the right holder of the bond electronic document for the bond document, the right holder included in the bond document information stored by the linkage processing at the time of generating the bond electronic document, and changes to the changed bond document information By regenerating the corresponding bond electronic document, it is desirable to transfer the owner of the bond electronic document to the bond document.

According to another exemplary embodiment of the present invention, when the right holder of the bond electronic document is changed in the bond electronic document, an item for changing the right holder is included in the bond electronic document. It is advisable to transfer the holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the rights holder transfer process of the bond electronic document to the bond document, by generating the bond transfer electronic document according to the bond document transfer and stored in association with the bond electronic document, It is advisable to transfer the rights holder of the bond electronic document.

According to another embodiment of the present invention, the rights holder transfer process for the bond document is to regenerate the bond electronic document associated with the bond document information, thereby updating the rights holder information for the bond document to perform the bond document transfer process. Preferably, the electronic document management information is newly generated in the process of regenerating the bond electronic document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the electronic document generation process and method, detailed description thereof will be omitted for convenience.

The information storage unit 830 associates the bond document information included in the right transfer request information, the right holder information (ie, the right holder information after the transfer processing) with the transfer target information, and the processed transfer processing details in an electronic manner. And store the document D / B 835 in the electronic document D / B 835 in the bond document transfer processing server 800 or in association with the bond document transfer processing server 800. When provided on the network, the information storage unit 830 is the bond document information included in the received rights transfer request information, rights holder information (ie rights holder information after transfer processing) for the transfer target information, and the processed When the electronic document D / B 835 is provided in the DBMS provided on the financial system by linking the transfer processing details, the information storage unit 830 stores the bond document information included in the received right transfer request information. , Previous It is preferable to provide the holder information (ie, owner information after the transfer processing) and the processed transfer processing information to the information system through the external system on the financial system and store in the DBMS provided on the financial system. .

9 is a view showing a face-to-face bond transfer process for the bond document transfer process according to the embodiment of the present invention.

In more detail, FIG. 9 has a ledger server (not shown) function in the financial system linked to the window terminal through the predetermined communication network, where the bond document transfer processing server 800 on the bond document transfer processing system shown in FIG. In one case, the window terminal is connected to the bond document transfer processing server 800 to connect the communication channel for the transfer of rights holder of the bond electronic document according to the present invention, and then transfer the bond document through the communication channel When the right transfer request information including the bond document information and the transfer target information is transmitted to the processing server 800, the bond document information included in the received right transfer request information by the bond document transfer processing server 800, In accordance with the transfer target information, it shows a face-to-face bond transfer process of the process for the transfer of the bond document, the technology to which the present invention belongs If you have a general knowledge in the field, refer to and / or modify the figure 9 and the transfer method request information transfer from the window terminal to the bond document transfer processing server 800 in the face-to-face manner for bond document transfer processing It will be possible to infer various implementation methods for the transfer process of bond documents, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 9, the window terminal shown in Fig. 8 is referred to as " terminal " for convenience, and the bond document transfer processing server 800 shown in Fig. 8 is referred to as " server " for convenience. The bond document information and transfer target information transmitted to the bond document transfer processing server 800 are referred to as "right transfer request information" for convenience.

Referring to FIG. 9, the window terminal shown in FIG. 8 connects to a server through a predetermined communication network, connects a predetermined communication channel for registering the right transfer request information, and performs the credit document transfer processing. Upon requesting registration of rights transfer request information (900), the server generates (or extracts) a predetermined transfer process interface for registering the rights transfer request information (905), and generates (or extracts) through the communication channel. In operation 910, the previously processed interface is transmitted to the terminal.

According to an embodiment of the present invention, the transfer processing interface preferably comprises a user interface for inputting (or selecting) rights transfer request information including at least one or more of the bond document information and transfer target information in the terminal. .

Thereafter, the terminal inputs (or selects) right transfer request information including at least one or more bond document information and transfer target information through the transfer processing interface (915).

If the terminal receives (or selects) rights transfer request information including the bond document information and transfer target information through the transfer processing interface (920), the terminal receives the input (or selects) through the communication network. Right transfer request information including bond document information and transfer target information is transmitted to the server (925).

Thereafter, the server receives and reads the bond document information and the transfer target information through the communication network and checks the bond electronic document corresponding to the bond document information included in the right transfer request information (930).

According to an exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is matched with the bond document information on the electronic document D / B 835 provided on the server. It is preferable to include checking whether there is information.

According to another exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is provided on the electronic document server (not shown) associated with the server. It is preferable that the B 835 includes checking whether there is information matching with the bond document information.

If the bond electronic document corresponding to the bond document information included in the right transfer request information is not confirmed (935), the server generates predetermined bond document transfer processing error information and transmits it to the terminal (940). Do not carry out the receivables transfer process corresponding to the information on the transfer of rights.

On the other hand, when the bond electronic document corresponding to the bond document information included in the right transfer request information is confirmed (935), the server is the owner of the pre-stored bond electronic document as the transfer target right holder included in the received right transfer request information The change is transferred to the holder of the bond electronic document (945).

In this case, the right transfer process for the bond electronic document may further include a process of requesting the right holder before the transfer process for the bond electronic document to receive the approval of the right to transfer the bond electronic document and receiving the approval. The present invention is not limited thereby.

In addition, after the right holder for the bond electronic document is changed in the bond right transfer process, the result of transferring the right of the bond electronic document is transmitted to the right holder of the existing bond electronic document and the right holder for the changed bond electronic document. The process of notifying the result may be further included, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the right holder of the bond electronic document corresponding to the bond document information includes the bond holder information in the electronic document management information for managing the bond electronic document, the bond holder information is changed. By updating, it is preferable to transfer the right holder of the bond electronic document.

According to another embodiment of the present invention, the change in the right holder of the bond electronic document for the bond document, updating the right holder included in the bond document information stored by the linkage processing when generating the bond electronic document, the updated bond document information By regenerating the bond electronic document corresponding to, it is preferable to transfer the right holder of the bond electronic document to the bond document.

According to another exemplary embodiment of the present invention, when the right holder of the bond electronic document is changed in the bond electronic document, an item for changing the right holder is included in the bond electronic document. It is advisable to transfer the holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the change in the owner of the bond electronic document for the bond document, by generating the bond transfer electronic document according to the bond document transfer and stored in association with the bond electronic document, It is advisable to transfer the holder of the bond electronic document.

According to another embodiment of the present invention, the rights holder transfer process for the bond document, by regenerating the bond electronic document associated with the bond document information, to update the rights holder information for the bond document to perform the bond document transfer process Preferably, the electronic document management information is newly generated in the process of regenerating the bond electronic document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the electronic document generation process and method, detailed description thereof will be omitted for convenience.

Thereafter, the server associates the bond document information included in the right transfer request information, the right holder information (ie, the right holder information after the transfer processing) with the transfer target information, and the processed transfer processing history in association with the electronic document D. Save to / B (835) (950).

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The rights holder information includes personal information of the rights holder (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the rights holder who prepared the bond document, and member information of the rights holder (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the right resource book provided on the financial system linked to the credit document transfer processing system in response to the rights holder by joining as an institution financial transaction right holder; It is preferable to include at least one, and the owner information is preferably owner information for the owner after the owner transfer processing for the bond document is completed.

Preferably, the transfer history information is the change history when the right holder for the bond document is changed, and the transfer process details include a transfer processing date and time, a transfer processing request point (for example, a branch of a financial institution or an electronic document repository). (Or a branch)), at least one of previous owner information and new owner information.

According to an embodiment of the present invention, the electronic document D / B 835 is provided in a DBMS on an electronic document server provided on the bond document transfer processing system (or associated with the bond document transfer processing system), Or it is preferably provided in the D / B on the electronic document server.

According to another exemplary embodiment of the present invention, the electronic document D / B 835 is provided in a DBMS on a financial system provided on the bond document transfer processing system (or linked with the bond document transfer processing system). Preferably, the electronic document D / B 835 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The invention is not limited.

According to another embodiment of the present invention, the electronic document D / B 835 is an Internet banking system, and / or a telebanking system provided (or linked) on the bond document transfer processing system. It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

Subsequently, the server generates transfer processing detail information on a predetermined bond document and transmits the transfer processing detail information to the terminal (955), thereby completing the bond document transfer processing procedure for the right transfer request information transmitted from the terminal.

10 is a view showing a non-face-to-face bond paper transfer processing system for bond paper transfer processing according to another embodiment of the present invention.

More specifically, FIG. 10 provides rights transfer request information including at least one bond document information and target person information for the bond document transfer processing to a bond document transfer processing system through a predetermined transfer processing interface. In this case, the bond document transfer processing system is a system configuration for linking the bond document information, the transfer target information included in the provided right transfer request information and stored in a predetermined electronic document D / B (1035), Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the construction of a bond document transfer processing system for bond document transfer processing. Includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. Not.

For example, a person having ordinary technical knowledge in the technical field to which the present invention pertains may refer to and modify this drawing x, and the transfer processing request terminal for requesting the transfer of the bond document is provided in a financial institution or a debt collection company. It may be provided in, thereby the present invention is not limited.

Hereinafter, at least one or more means for storing, in the electronic document D / B 1035, rights transfer request information provided from the right holder through a predetermined transfer processing interface on the bond document transfer processing system shown in FIG. Or a component corresponding to the functional configuration is referred to as "bond document transfer processing server 1000" for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, the bond document transfer processing system for bond document transfer processing includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by the holder. And a transfer processing request terminal including a transfer processing request terminal including a transfer document request processing server 1000 provided on the bond document transfer processing system through a predetermined network means. Connected.

According to an exemplary embodiment of the present invention, the holder accesses the credit document transfer processing server 1000 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) rights transfer request information for the bond document transfer processing through at least one user interface provided by the bond document transfer processing server 1000, the client terminal via a predetermined network means. It is preferable to transmit to the bond document transfer processing server 1000 provided on the bond document transfer processing system.

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

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the bond document transfer processing server 1000 is connected to the client terminal of the Internet banking server and / or wireless banking server and / or tele banking server and / or TV banking server according to the characteristics of the client terminal and the network means. Either one, and / or comprises a separate web server for the transfer of the bond document.

The network means for connecting the client terminal and the bond document transfer processing server 1000 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or a mobile communication network connected to the client terminal. It is preferable that any one of DataTAC / Mobitex-based wireless data communication networks and / or include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the bond document transfer processing server 1000, and inputs and / or selects at least one or more information through the user interface to perform the bond document transfer processing server ( It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the bond document transfer processing server 1000, etc.) for transmission to the 1000 is provided.

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

In the credit document transfer processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the owner, and at least one connecting the client terminal and the bond document transfer processing server 1000. The above wired communication network and / or wireless communication network performs a function of a transfer processing interface for the holder to register right transfer request information for the bond document transfer processing.

According to another embodiment of the present invention, the transfer processing request terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined communication network (for example, a financial common network), a cash dispenser (Cash Dispenser) A financial automation device (not shown) including a CD) and / or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown) of the, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, and / or the financial institution Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with, may further include the present invention is not limited thereto.

In the bond document transfer processing system as described above, when the transfer processing request terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the bond document transfer are performed. The communication network connecting the processing server 1000 performs a function of a transfer processing interface for the rights holder to register the right transfer request information for the bond document transfer processing, and / or the transfer processing request terminal is connected to the call terminal ( (Not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the bond document transfer processing server 1000 may be processed by the right holder for the bond document transfer process. Performs the function of a transfer processing interface for registering the right transfer request information for and / or the gold being the transfer processing request terminal; In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the loan institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the The network connecting the bond document transfer processing server 1000 performs a function of a transfer processing interface for the rights holder to register the right transfer request information for the bond document transfer processing.

The electronic document D / B 1035 provided on the credit document transfer processing system according to the present invention performs cooperative processing of the bond document information and transfer target information included in the right transfer request information provided from the transfer processing request terminal. The electronic document D / B 1035 may be stored in a predetermined electronic document D / B 1035, and the rights transfer request information including at least one of the bond document information and the transfer target information stored in the electronic document D / B 1035 may be used. It is used for the processing of bond document transfer.

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The rights holder information includes personal information of the rights holder (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the rights holder who prepared the bond document, and member information of the rights holder (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the right resource book provided on the financial system linked to the credit document transfer processing system in response to the rights holder by joining as an institution financial transaction right holder; It is preferable to include at least one, and the owner information is preferably owner information for the owner after the owner transfer processing for the bond document is completed.

Preferably, the transfer history information is the change history when the right holder for the bond document is changed, and the transfer process details include a transfer processing date and time, a transfer processing request point (for example, a branch of a financial institution or an electronic document repository). (Or branch offices)), at least one of previous owner information and new owner information.

According to an embodiment of the present invention, the electronic document D / B 1035 is preferably provided in a DBMS on a financial system provided on the bond document transfer processing system (or linked with the bond document transfer processing system). In this case, the electronic document D / B 1035 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. This is not limited.

According to another method of the present invention, the electronic document D / B 1035 is provided with (or associated with) an internet banking system, and / or a telebanking system provided on the bond document transfer processing system, and / or wirelessly. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

The bond document transfer processing server 1000 provided on the bond document transfer processing system according to the present invention is a generic term for the components of the bond document transfer processing system connected to the transfer processing request terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the transfer processing request terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the bond document transfer processing server 1000 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device) and / or a program provided to the outside world on the financial system, whereby The present invention is not limited.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the bond document transfer processing server 1000 may perform the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or a program on the server (or device); and / or a server (or on a foreign system on the financial system accessible through the wireless banking server (and / or the server (or device)). Device) and / or a program provided to the external world on the financial system, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the bond document transfer processing server 1000 may perform the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system of the above, and / or a program provided in the external system of the financial system, thereby the present invention It shall not be limited.

According to another embodiment of the present invention, when the transfer processing request terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the bond document transfer processing server 1000 is A predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the bond document transfer processing server 1000 includes an interface unit 1005 (or interface means) for connecting and managing a predetermined communication channel with the transfer processing request terminal through the network means. Characterized in that made.

According to an embodiment of the present invention, when the transfer request terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1005 may include a protocol defined in the wired communication network and / or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on a stack, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. Do.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, it provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the bond document transfer processing server 1000, the interface unit 1005 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the bond document transfer processing server 1000, the interface unit 1005 is based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a financial automation device connected to a predetermined communication network, the interface unit 1005 may be configured to perform the operation with the financial automation device based on the protocol stack defined in the communication 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 included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1005 may include the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1005 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1005 uses a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 10, the bond document transfer processing server 1000 connects a communication channel with the bond document transfer processing server 1000 through the interface unit 1005 after a predetermined transfer processing request terminal is connected to the interface. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined rights transfer request information from the transfer processing request terminal to the transfer processing request terminal in cooperation with the unit 1005. Information for receiving a predetermined right transfer request information inputted (or selected) and transmitted from the transfer processing request terminal through the user interface in cooperation with the study 1010 (or interface providing means) and the interface unit 1005. The user interface in the preprocessing request terminal in association with the receiving unit 1015 (or information receiving means) and the interface unit 1005. Information receiving unit 1015 (or information receiving means) for receiving predetermined right transfer request information input (or selected) through a face and a transfer corresponding to bond document information included in the received right transfer request information. Information confirmation unit 820 (or information confirmation means) for confirming the target bond electronic document, and transfer processing unit for transferring the bond document to the transfer target holder included in the right transfer request information in response to the identified right transfer request information. 825 (or transfer processing means), and an information storage unit 830 (or information storage means) for storing the bond document transfer processing details in the electronic document D / B (835). .

The interface providing unit 1010 is a functional configuration provided in the transfer processing request terminal after a predetermined transfer processing request terminal connects the communication channel with the bond document transfer processing server 1000 through the interface unit 1005. In response to the request to generate (or select) the right transfer request information and generate a predetermined user interface capable of transmitting to the bond document transfer processing server 1000 through the network means, and / or a predetermined database (not shown). And extracts the generated (or extracted) user interface to the transfer processing request terminal through the network means in association with the interface unit 1005.

Subsequently, the transfer processing request terminal inputs (or selects) rights transfer request information including at least one or more of the bond document information and transfer target information based on the user interface, and the input (or select) the rights transfer request. The information is transmitted to the bond document transfer processing server 1000 through the communication network.

According to an embodiment of the present invention, when the transfer processing request terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1010 may be configured as described above. Generate (or extract) a predetermined user interface that can be provided by a browser program and / or a communication program provided in the client terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005. It is desirable to.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a financial automation device connected to a predetermined communication network, the interface provider 1010 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1010 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided to the call, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1005. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the transfer processing request terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1010 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided to the user, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1005.

According to another embodiment of the present invention is provided with at least one user interface for inputting (or selecting) the right transfer request information to the transfer processing request terminal to the bond document transfer processing server 1000 through the network means. When a program for transferring a predetermined bond document is provided, the interface providing unit 1010 for providing the user interface to the transfer processing request terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 1015 inputs (or selects) rights transfer request information including at least one of bond document information and transfer target information through the user interface through the user interface, and transmits it through the network means, And receiving the right transfer request information in cooperation with the interface unit 1005, and provides the received right transfer request information to the information confirming unit 1020.

The information confirmation unit 1020 is characterized in that for confirming the transfer target bond electronic document corresponding to the bond document information included in the right transfer request information received from the transfer processing request terminal 1040.

According to an embodiment of the present invention, the bond electronic document confirmation corresponding to the bond document information included in the right transfer request information, the electronic document D / B (1035) provided on the bond document transfer processing server (1000) It is preferable to include whether to check whether there is information matching the bond document information.

According to another exemplary embodiment of the present invention, the bond electronic document confirmation corresponding to the bond document information included in the right transfer request information is on an electronic document server (not shown) associated with the bond document transfer processing server 1000. Preferably, the electronic document D / B 1035 included in the electronic document D / B 1035 includes checking whether there is information matching with the bond document information.

When the bond electronic document corresponding to the bond document information included in the right transfer request information is confirmed, the transfer processing unit 1025 may assign the right holder of the bond electronic document previously stored as the transfer target right holder included in the received right transfer request information. It is desirable to update and transfer the holder of the bond electronic document.

In addition, the transfer processing unit 1025 requests the right holder before the transfer processing process for the bond electronic document in the right transfer processing process for the bond electronic document to request the approval of the transfer of rights for the bond electronic document, and after receiving approval, transfer processing The process may be further included, whereby the present invention is not limited.

In addition, the transfer processing unit 1025, after the right holder for the bond electronic document is changed in the process of transferring the bond right, the result of the transfer of the right of the bond electronic document with the right holder of the existing bond electronic document and for the changed bond electronic document. The process of notifying the result by transmitting to the communication means of the owner may be further included, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the right holder of the bond electronic document corresponding to the bond document information includes the bond holder information in the electronic document management information for managing the bond electronic document, the bond holder information is changed. By updating, it is preferable to transfer the right holder of the bond electronic document.

According to another embodiment of the present invention, the change in the right holder of the bond electronic document for the bond document, updating the right holder included in the bond document information stored by the linkage processing when generating the bond electronic document, the updated bond document information By regenerating the bond electronic document corresponding to, it is preferable to transfer the right holder of the bond electronic document to the bond document.

According to another exemplary embodiment of the present invention, when the right holder of the bond electronic document is changed in the bond electronic document, an item for changing the right holder is included in the bond electronic document. It is advisable to transfer the holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the change in the owner of the bond electronic document for the bond document, by generating the bond transfer electronic document according to the bond document transfer and stored in association with the bond electronic document, It is advisable to transfer the holder of the bond electronic document.

According to another embodiment of the present invention, the rights holder transfer process for the bond document, by regenerating the bond electronic document associated with the bond document information, to update the rights holder information for the bond document to perform the bond document transfer process Preferably, the electronic document management information is newly generated in the process of regenerating the bond electronic document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the electronic document generation process and method, detailed description thereof will be omitted for convenience.

The information storage unit 1030 processes the bond document information included in the right transfer request information, the right holder information (ie, the right holder information after the transfer processing), and the processed transfer processing details by linking the electronic transfer information. The document D / B 1035 may be stored in the document D / B 1035. The electronic document D / B 1035 may be provided in the bond document transfer processing server 1000 or may be connected to the bond document transfer processing server 1000. When provided on the network, the information storage unit 1030 is the bond document information included in the received rights transfer request information, rights holder information (ie rights holder information after the transfer processing) for the transfer target information, and the processed When the electronic document D / B 1035 is provided in the DBMS provided on the financial system by linking the transfer processing details, the information storage unit 1030 is the bond document information included in the received right transfer request information. , It is preferable to provide the owner information (ie, owner information after the transfer processing) and the processed transfer processing details to the information system through the external system on the financial system and store them in a DBMS provided on the financial system. .

11 is a diagram illustrating a process of registering right transfer request information in a non-face-to-face manner for bond document transfer processing according to one embodiment of the present invention.

In more detail, FIG. 11 shows a case where the bond document transfer processing server 1000 on the bond document transfer processing system shown in FIG. 10 has a web server function to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the bond document transfer processing server 1000 and connects a communication channel for processing rights transfer of the bond document according to the present invention, the bond is transferred to the bond document transfer processing server 1000 through the communication channel. When the right transfer request information including document information and transfer target information is transmitted, the bond document transfer processing server 1000 links and processes the bond document information and transfer target information included in the received right transfer request information. To an electronic document D / B 1035 of the present invention. If the person having the same, it is possible to infer various implementation methods for registering the right transfer request information from the client terminal to the bond document transfer processing server 1000 by referring to and / or modifying the drawing 11, but the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the client terminal illustrated in FIG. 10 is referred to as a “terminal” for convenience, and the bond document transfer processing server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience. The bond document information and transfer target information transmitted to the bond document transfer processing server 1000 are referred to as "right transfer request information" for convenience.

Referring to FIG. 11, the client terminal illustrated in FIG. 10 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based). Access a server through a mobile communication network and / or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the right transfer request information, and the right transfer request information for the bond document transfer process. When requesting registration (1100), the server generates (or extracts) a web page corresponding to a predetermined transfer processing interface for registering the right transfer request information (1105), and generates (or extracts) through the communication channel. In step 1110, the transmitted web page is transmitted to the terminal.

According to an embodiment of the present invention, the transfer processing interface preferably comprises a user interface for inputting (or selecting) rights transfer request information including at least one or more of the bond document information and transfer target information in the terminal. .

In addition, the web page transmission and / or output process is preferably performed at least once according to the rights transfer request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) right transfer request information including at least one or more bond document information and transfer target information through the transfer processing interface (1115).

If the terminal receives (or selects) rights transfer request information including the bond document information and transfer target information through the transfer processing interface (1120), the terminal inputs (or selects) through the communication channel. Received bond document information, transfer target information is transmitted to the server (1125).

According to an embodiment of the present invention, transmitting the input (or selected) document information and transfer target information to the server through the communication channel, the right transfer request input (or selected) through the transfer processing interface The method may further include transmitting information to the server by digitally signing and / or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the bond document information and the transfer target information through the communication network and checks the bond electronic document corresponding to the bond document information included in the right transfer request information (1130).

According to an exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is matched with the bond document information on the electronic document D / B 1035 provided on the server. It is desirable to include checking if any information is available.

According to another exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is provided on the electronic document server (not shown) associated with the server. It is preferable that the B 1035 comprises checking whether there is information matching the bond document information.

If the bond electronic document corresponding to the bond document information included in the right transfer request information is not confirmed (1135), the server generates predetermined bond document transfer processing error information and transmits it to the terminal (1140). Do not carry out the receivables transfer process corresponding to the information on the transfer of rights.

On the other hand, when the bond electronic document corresponding to the bond document information included in the right transfer request information is confirmed (1135), the server is the owner of the bond electronic document previously stored as the transfer target right holder included in the received right transfer request information. Update to transfer the holder of the bond electronic document (1145).

In this case, the right transfer process for the bond electronic document may further include a process of requesting the right holder before the transfer process for the bond electronic document to receive the approval of the right to transfer the bond electronic document and receiving the approval. The present invention is not limited thereby.

In addition, after the right holder for the bond electronic document is changed in the bond right transfer process, the result of transferring the right of the bond electronic document is transmitted to the right holder of the existing bond electronic document and the right holder for the changed bond electronic document. The process of notifying the result may be further included, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the right holder of the bond electronic document corresponding to the bond document information includes the bond holder information in the electronic document management information for managing the bond electronic document, the bond holder information is changed. By updating, it is preferable to transfer the right holder of the bond electronic document.

According to another embodiment of the present invention, the change in the right holder of the bond electronic document for the bond document, updating the right holder included in the bond document information stored by the linkage processing when generating the bond electronic document, the updated bond document information By regenerating the bond electronic document corresponding to, it is preferable to transfer the right holder of the bond electronic document to the bond document.

According to another exemplary embodiment of the present invention, when the right holder of the bond electronic document is changed in the bond electronic document, an item for changing the right holder is included in the bond electronic document. It is advisable to transfer the holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the change in the owner of the bond electronic document for the bond document, by generating the bond transfer electronic document according to the bond document transfer and stored in association with the bond electronic document, It is advisable to transfer the holder of the bond electronic document.

According to another embodiment of the present invention, the rights holder transfer process for the bond document, by regenerating the bond electronic document associated with the bond document information, to update the rights holder information for the bond document to perform the bond document transfer process Preferably, the electronic document management information is newly generated in the process of regenerating the bond electronic document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the electronic document generation process and method, detailed description thereof will be omitted for convenience.

Thereafter, the server associates the bond document information included in the right transfer request information, the right holder information (ie, the right holder information after the transfer processing) with the transfer target information, and the processed transfer processing history in association with the electronic document D. It stores in / B (1035) (1150).

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The rights holder information includes personal information of the rights holder (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the rights holder who prepared the bond document, and member information of the rights holder (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the right resource book provided on the financial system linked to the credit document transfer processing system in response to the rights holder by joining as an institution financial transaction right holder; It is preferable to include at least one, and the owner information is preferably owner information for the owner after the owner transfer processing for the bond document is completed.

Preferably, the transfer history information is the change history when the right holder for the bond document is changed, and the transfer process details include a transfer processing date and time, a transfer processing request point (for example, a branch of a financial institution or an electronic document repository). (Or branch office)), at least one of previous owner information and new owner information.

According to an embodiment of the present invention, the electronic document D / B 1035 is provided in a DBMS on an electronic document server provided on the bond document transfer processing system (or associated with the bond document transfer processing system), Or it is preferably provided in the D / B on the electronic document server.

According to another embodiment of the present invention, the electronic document D / B 1035 is provided in a DBMS on a financial system provided on the bond document transfer processing system (or linked with the bond document transfer processing system). Preferably, the electronic document D / B 1035 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby The invention is not limited.

According to another embodiment of the present invention, the electronic document D / B 1035 is provided with (or linked to) an internet banking system, and / or a telebanking system provided on the bond document transfer processing system. It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server generates transfer process detail information for a predetermined bond document and transmits it to the terminal (1155), thereby completing the bond document transfer process for the right transfer request information transmitted from the terminal.

12A and 12B illustrate a process of registering rights transfer request information in a non-face-to-face manner for processing a bond document transfer according to another embodiment of the present invention.

12A and 12B illustrate a case in which the bond document transfer processing system shown in FIG. 10 is realized through an Internet banking system among non-face-to-face channel based banking systems, wherein the client terminal is a TCP / IP based network. After accessing the Internet banking server and performing a predetermined rights holder authentication procedure through the Internet banking (for example, the Internet, etc.), the client terminal sends the rights transfer request information for the processing of bond document transfer to the Internet banking server. When the right transfer request information including the information and the transfer target information is transmitted, the bond document transfer processing server 1000 links the bond document information and transfer target information included in the received right transfer request information to a predetermined value. As an embodiment of the present invention for storing in the electronic document D / B (1035), Those skilled in the art can infer various implementation methods for registering the right transfer request information from the client terminal to the bond document transfer processing server 1000 by referring to and / or modifying the drawings 12a and 12b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 12A and 12B, the browser program Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the rights transfer request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, 12a and 12b refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Transfer of rights Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 12A and 12B, in addition to the Internet banking system, and a telebanking system. And / or an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of rights transfer request information in another banking system such as a wireless banking system and / or a TV banking system, but the present invention can be inferred. The present invention includes all types of non-face-to-face channel based financial transactions including banking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in FIG.

12A and 12B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the bond document transfer processing server 1000 is referred to as " server "

12A and 12B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1200a), the server communicates between the terminal and the server through the browser. (1205a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1210a).

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

If a predetermined security module is to be installed and / or updated in the terminal (1215a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1220a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1225a), or if the terminal does not need to load and / or update the security module for internet banking (1215a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1230a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registration of rights transfer request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking rights holder authentication procedure through the browser program (1235a).

According to an embodiment of the present invention, the Internet banking rights holder authentication procedure is the owner of the Internet banking based rights authentication data (for example, the ID / PW registered by the rights holder in the Internet banking application process, the owner number, etc.) through the terminal ) Is input (or generated) and transmitted to the server, the server comprising authenticating the rights holder connected through the terminal as the Internet banking rights holder based on the rights holder authentication data, wherein the rights holder authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

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

Subsequently, the terminal inputs (or generates) predetermined rights holder authentication data by the request, and digitally signs and / or encrypts the data through the security module and transmits the data to the server (and / or authentication server) to authenticate the Internet banking rights holder. Request (1240a), the server (and / or authentication server) authenticates the right holder connected through the terminal based on the rights holder authentication data received from the terminal as an Internet banking rights holder for non-face-to-face channel-based financial transactions (1245a).

If the Internet banking rights holder authentication fails (1250a), the server blocks the Internet banking security channel for the terminal (1255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking rights holder authentication succeeds (1250a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1260a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined right transfer request information for processing a bond document transfer from the terminal to the server.

Subsequently, when the terminal requests registration of internet banking-based rights transfer request information to the server through the inter-banking-based financial transaction channel for registration of rights transfer request information (1200b), the server registers the rights transfer request information. Generates (or extracts) a web page corresponding to a predetermined preprocessing interface (1205b), and transmits and outputs the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (1205b); 1210b).

According to an embodiment of the present invention, the transfer processing interface preferably comprises an interface for inputting (or selecting) rights transfer request information including at least one or more bond document information and transfer target information in the terminal, and And / or a predetermined password (e.g., account password, etc.) and / or security code (e.g., internet banking) to verify the validity of the rights transfer request information and / or the Internet banking right holder requesting registration of the rights transfer request information. The security code printed on the security card issued to the holder during the application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the application). OTP authentication program) further comprises an interface for inputting a one-time password generated through) It is preferable.

In addition, the web page transmission and / or output process is preferably performed at least once according to the rights transfer request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) right transfer request information including at least one of the bond document information and transfer target information through the transfer processing interface (1215b).

If the terminal receives (or selects) rights transfer request information including the bond document information and transfer target information through the transfer processing interface (1220b), the terminal inputs (or selects) through the financial transaction channel. In step 1225b, the right transfer request information is transmitted to the server.

According to an embodiment of the present invention, transmitting the right (or selected) right transfer request information to the server through the financial transaction channel, the right transfer request information input (or selected) through the transfer processing interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the bond document information and the transfer target information through the communication network and checks the bond electronic document corresponding to the bond document information included in the right transfer request information (1230b).

According to an exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is matched with the bond document information on the electronic document D / B 1035 provided on the server. It is preferable to include checking whether there is information.

According to another exemplary embodiment of the present invention, the bond electronic document identification corresponding to the bond document information included in the right transfer request information is provided on the electronic document server (not shown) associated with the server. It is preferable that the B 1035 comprises checking whether there is information matching the bond document information.

If the bond electronic document corresponding to the bond document information included in the right transfer request information is not confirmed (1235b), the server generates predetermined bond document transfer processing error information and transmits it to the terminal (1240b). Do not carry out the receivables transfer process corresponding to the information on the transfer of rights.

On the other hand, when the bond electronic document corresponding to the bond document information included in the right transfer request information is confirmed (1235b), the server is the owner of the bond electronic document previously stored as the transfer target right holder included in the received right transfer request information. Update to transfer the holder of the bond electronic document (1245b).

In this case, the right transfer process for the bond electronic document may further include a process of requesting the right holder before the transfer process of the bond electronic document to receive the approval of the right to transfer the bond electronic document and receiving the approval. The present invention is not limited thereby.

In addition, after the right holder for the bond electronic document is changed in the bond right transfer process, the result of transferring the right of the bond electronic document is transmitted to the right holder of the existing bond electronic document and the right holder for the changed bond electronic document. The process of notifying the result may be further included, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the right holder of the bond electronic document corresponding to the bond document information includes the bond holder information in the electronic document management information for managing the bond electronic document, the bond holder information is changed. By updating, it is preferable to transfer the right holder of the bond electronic document.

According to another embodiment of the present invention, the change in the right holder of the bond electronic document for the bond document, updating the right holder included in the bond document information stored by the linkage processing when generating the bond electronic document, the updated bond document information By regenerating the bond electronic document corresponding to, it is preferable to transfer the right holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the change of the right holder of the bond electronic document for the bond document, when the bond electronic document includes an item for changing the right holder, using the item for changing the right holder It is advisable to transfer the holder of the bond electronic document to the bond document.

According to another embodiment of the present invention, the change in the owner of the bond electronic document for the bond document, by generating the bond transfer electronic document according to the bond document transfer and stored in association with the bond electronic document, It is advisable to transfer the holder of the bond electronic document.

According to another embodiment of the present invention, the rights holder transfer process for the bond document, by regenerating the bond electronic document associated with the bond document information, to update the rights holder information for the bond document to perform the bond document transfer process Preferably, the electronic document management information is newly generated in the process of regenerating the bond electronic document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the electronic document generation process and method, detailed description thereof will be omitted for convenience.

Thereafter, the server associates the bond document information included in the right transfer request information, the right holder information (ie, the right holder information after the transfer processing) with the transfer target information, and the processed transfer processing history in association with the electronic document D. / B 1035 (1250b).

The bond document information is a bond transfer document for the transfer of rights from the right holder A to the right holder B for the bonds owned by the customer, loan application documents prepared by the customer and submitted to the financial institution, credit card application, for agency It is preferable that the document is written in a paper document such as a power of attorney document prepared by the present owner.

The rights holder information includes personal information of the rights holder (e.g., name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the rights holder who prepared the bond document, and member information of the rights holder (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the right resource book provided on the financial system linked to the credit document transfer processing system in response to the rights holder by joining as an institution financial transaction right holder; It is preferable to include at least one, and the owner information is preferably owner information for the owner after the owner transfer processing for the bond document is completed.

Preferably, the transfer history information is the change history when the right holder for the bond document is changed, and the transfer process details include a transfer processing date and time, a transfer processing request point (for example, a branch of a financial institution or an electronic document repository). (Or branch offices)), at least one of previous owner information and new owner information.

According to an embodiment of the present invention, the electronic document D / B 1035 is provided in a DBMS on an electronic document server provided on the bond document transfer processing system (or associated with the bond document transfer processing system), Or it is preferably provided in the D / B on the electronic document server.

According to another embodiment of the present invention, the electronic document D / B 1035 is provided in a DBMS on a financial system provided on the bond document transfer processing system (or linked with the bond document transfer processing system). Preferably, the electronic document D / B 1035 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby The invention is not limited.

According to another embodiment of the present invention, the electronic document D / B 1035 is provided with (or linked to) an internet banking system, and / or a telebanking system provided on the bond document transfer processing system. It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server generates transfer processing history information for a predetermined bond document and transmits it to the terminal (1255b), thereby completing the bond document transfer processing procedure for the right transfer request information transmitted from the terminal.

According to the present invention, after depositing the documents related to the bonds and stored in the official electronic document storage, there is an advantage that the transfer process can be conveniently processed through an automated process by the server.

In addition, when the paper document for the electronic documented bond documents are destroyed, by processing the bond transfer process through the electronic document, there is an advantage that the management of the rights holders more convenient.

Claims (9)

A bond electronic document generation step of generating a bond paper document (or bond electronic document)-a personal loan application, a business loan application, a credit card application-of a bond holding customer (or financial institution) as a bond electronic document; A bond electronic document storage step of storing the generated bond electronic document in a storage medium; A bond electronic document checking step of confirming a bond transfer target electronic document in association with the storage medium when a request for transferring the right of the bond is received; And Bond electronic document transfer step of changing the bond holder information included in the confirmed bond electronic document to the rights transfer target information; a bond transfer processing method comprising the. A bond electronic document generation step of generating a bond paper document (or bond electronic document)-a personal loan application, a business loan application, a credit card application-of a bond holding customer (or financial institution) as a bond electronic document; A bond electronic document storage step of storing the generated bond electronic document and bond information including rights holder information on the bond in a storage medium; A bond electronic document verification step of verifying a bond transfer target electronic document and bond information in association with the storage medium when a request for transfer of the right to the bond is received; And And a bond electronic document transfer step of changing and processing the existing rights holder information included in the confirmed bond electronic document and bond information into rights transfer target information. The method according to claim 1 or 2, Before the bond electronic document transfer step, obtaining the approval for the bond transfer through an existing bond holding customer (or financial institution). The method according to claim 1 or 2, After the bond electronic document transfer step, transmitting the fact of the bond transfer to an existing bond holding customer (or financial institution) and a bond transfer target communication means. The method of claim 1 or 2, wherein the receivable electronic document transfer step, Generate a bond transfer electronic document which transfers the right holder for the bond electronic document and store it in association with the bond electronic document; or If an item relating to a bond transfer exists in the bond electronic document, update the item relating to the bond transfer, or Bond transfer processing method characterized in that the bond electronic document is renewed after updating the stored owner information in association with the bond electronic document The method of claim 1 or 2, wherein the storage medium, Is an electronic document D / B provided by an authorized electronic document storage server, or Claims processing method characterized in that the electronic document D / B provided in a separate server for storing electronic documents for the bond documents. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Bond electronic document registration means for storing a bond electronic document processing a bond document held by a customer (or a financial institution) as an electronic document and the bond document information corresponding to the bond electronic document and storing the bond document in a storage medium; Information receiving means for receiving bond document information and transfer target information on the bond (or bond electronic document); Bond electronic document identification means for identifying a transfer target bond electronic document corresponding to bond document information in association with the storage medium; Bond transfer processing system for transferring the right holder for the confirmed bond electronic document to the transfer target; bond transfer processing system comprising a. Bond electronic document generating means for generating bond paper documents (or bond electronic documents)-personal loan applications, corporate loan applications, credit card applications-of bond customers (or financial institutions) as bond electronic documents; Bond electronic document registration means for storing and registering the generated bond electronic document in a storage medium; Information receiving means for receiving right transfer request information for the bond; Bond electronic document checking means for checking and extracting a bond electronic document corresponding to the received right transfer request information through the storage medium; And Change the processing of the creditor's information included in the confirmed credit electronic document into the information on the transfer of the rights, or Debt transfer processing that deletes the identified existing bond electronic document, generates a new bond electronic document for the transferred right bond, and stores and registers it in the storage medium. Means; The bond transfer processing system comprising a.

Images