KR20090060009A - Transaction(or application) of addmission electronic documents, device for operating electronic documents - Google Patents

Abstract

A bank transaction(or subscription)-applying electronic document and an apparatus for operating the same are provided to manage the bank transaction(or subscription)-applying electronic document stored in an electronic document repository, conveniently. A key input unit(135) inputs transaction(or subscription) request information corresponding to a transaction-applying interface screen from a key input device. The key input device is equipped in a window terminal(165). A financial processor(140) is linked with a financial system to process the transaction(or subscription) application corresponding to the inputted transaction(or subscription) request information. A storage unit(160) stores one or more transaction(or subscription) interface information.

Description

Transaction (or Application) of Addmission Electronic Documents, Device for Operating Electronic Documents}

1 is a diagram showing the configuration of an electronic document system for a bank transaction (or subscription) application according to an embodiment of the present invention.

2 is a diagram illustrating a process of generating a bank transaction (or subscription) application electronic document according to an embodiment of the present invention.

3 is a diagram illustrating a process of storing a bank transaction (or subscription) application electronic document in an electronic document repository according to an embodiment of the present invention.

4A and 4B are diagrams illustrating a banking application electronic document structure among bank transaction (or subscription) applications according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an electronic document structure of a new indirect investment product subscription application among bank transaction (or subscription) applications according to an exemplary embodiment of the present invention.

6A and 6B illustrate a structure of an electronic document for requesting a foreign currency deposit transaction in a bank transaction (or subscription) application according to an embodiment of the present invention.

7 is a diagram showing the configuration of an electronic document system for a bank transaction (or subscription) application according to another embodiment of the present invention.

8A and 8B illustrate a process of generating a bank transaction (or subscription) application electronic document according to another embodiment of the present invention.

9 is a diagram illustrating a process of storing a bank transaction (or subscription) application electronic document in an electronic document repository according to another embodiment of the present invention.

10A and 10B are diagrams illustrating a banking application electronic document structure among bank transaction (or subscription) applications according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating an electronic document structure of a new indirect investment product subscription application among bank transaction (or subscription) applications according to another embodiment of the present invention.

12A and 12B are diagrams illustrating an electronic document structure of a foreign currency deposit transaction application in a bank transaction (or subscription) application according to another embodiment of the present invention.

<Description of main parts of drawing>

100: electronic document server 105: electronic document receiving unit

110: information generating unit 115: electronic document storage unit

120: electronic document D / B 125: image acquisition unit

130: screen output unit 135: key input unit

140: financial processing unit 145: electronic document transmission unit

150: control unit 155: electronic document generation unit

160: storage unit 165: window terminal

The present invention provides at least one bank transaction (or subscription) request information corresponding to application information included in a bank transaction (or subscription) application for a new bank transaction (or financial instrument subscription) application, and the at least one transaction (or Subscription) includes an electronic document including an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the request information through a communication network or combining it into a computer edited document. A bank segment made up of a bank account (or subscription) for a new bank transaction (or subscription) corresponding to the bank transaction (or subscription) application and a new bank corresponding to the bank transaction (or subscription) application; Applicant made by applying for bank transaction (or joining a financial instrument) and including the identifier A bank transaction (or subscription) application electronic document containing a segment.

As the economic structure diversifies, interest in financial technology increases, and each bank launches a variety of financial products competitively, the amount of cashiers through counters in bank branches (or branch offices) is booming.

In order to reduce the amount of work at the banks and to efficiently utilize human resources, banks use simple cash transactions, such as cash tellers, through automated teller machines (ATMs) and cash dispensers (CDs). Window transactions that do not require face-to-face transactions, such as utility bills, are encouraged to be paid through utility billing machines. Financial transactions that do not require face-to-face verification, such as account inquiry or bank transfer (including other exchanges), are subject to While we actively induce transactions through non-face-to-face channels such as wireless banking and telebanking, we only induce transactions that require face-to-face verification and employee counseling through the counters. To keep.

Among the above window services, various transaction requests such as bank transaction application, new application for indirect investment product, and foreign currency deposit transaction application, or subscription application service can be provided only through the window. After the termination, the applications generated at each window are collected and stored for a certain period of time, the application images are scanned and the application images are generated, and the application images are stored in a database for a period determined by law.

The application management work in accordance with the above window transaction includes the collection and storage of paper applications, and the bulk scanning and application image management tasks. Such conventional application management tasks include the collection and storage of paper applications, It involves the costly, time-consuming, and man- ardization of scanning and application image management.

In particular, in order to review and confirm the application image stored in the database, the application image file name must be stored to include all application-related information, and then the application image is managed (or searched) through the file name. Managing application images, which are accumulated hundreds of thousands of banks a day, by application form, can be a daunting and complex task.

An object of the present invention for solving the above problems, at least one transaction (or subscription) request information corresponding to the application information contained in the bank transaction (or subscription) application for a new bank transaction (or financial product subscription) application A key input unit for inputting, and an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the inputted at least one transaction (or subscription) request information through a communication network, or in a computer edited document. And an electronic document generator for generating a bank transaction (or subscription) application electronic document and an electronic document transmission unit for transmitting the generated bank transaction (or subscription) application electronic document to an electronic document server on a communication network. In providing.

The bank transaction (or subscription) electronic document according to the present invention may include at least one bank transaction (or subscription) corresponding to the application information included in the bank transaction (or subscription) application for a new bank transaction (or subscription). An electronic document including an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the request information and the at least one transaction (or subscription) request information through a communication network, or combining into a computer-edited document. The electronic document may include a transaction bank segment including a transaction bank information and a corresponding identifier for processing a new bank transaction (or a financial instrument subscription) corresponding to the bank transaction (or subscription) application form, and the Applicant information for a new bank transaction (or financial instrument subscription) corresponding to a bank transaction (or subscription) application And a claimant segment including the identifier.

In the bank transaction (or subscription) application electronic document according to the present invention, the electronic document includes an image content segment including an image content and an image content identifier scanned from a paper application corresponding to the bank transaction (or subscription) application. Characterized in that further comprises.

In the bank transaction (or subscription) application electronic document according to the present invention, the image content segment is the signature of the applicant applying for a new bank transaction (or subscription of a financial product) through the bank transaction (or subscription) application. Or seal) image area.

In the bank transaction (or subscription) application electronic document according to the present invention, the applicant segment is characterized by including a digital signature of the applicant applying for the new bank transaction (or subscription of a financial product).

In the bank transaction (or subscription) application electronic document according to the present invention, the electronic document comprises at least one bank transaction application electronic document, indirect investment product new subscription application electronic document, foreign currency deposit transaction application electronic document. It features.

In the bank transaction (or subscription) application electronic document according to the present invention, the bank transaction application electronic document, mail receipt information, mail reception information, message reception information, telephone prohibition information, job information, marriage classification information, annual income information, Customer value segment including at least one or more double-entry information, housing classification information, housing type information, family information, vehicle ownership information, vehicle number information, including an identifier for each information item, corporate number information, industry information, maximum Incorporation / segment segment including at least one or more of shareholder information, representative name information, social security number information, and telephone number information, including an identifier for each information item, subscription product name information, subscription amount / monthly savings information, contract term information, payment date Include at least one information, interest payment method / earning method information, payment automatic transfer account information, and maturity automatic transfer account information. And at least one subscription product segment including an identifier for each information item, card type information, English name information, limit amount information, electronic account alias information, and card recipient information, and an identifier for each information item. At least one card application segment, electronic banking type information, electronic banking application channel information, withdrawal account information, security medium information, SMS notification information, transfer limit information, security card recipient information, and each information item identifier An electronic financial application segment, including at least one automated device transaction type information, and a limit value information, and an automated device application segment including an identifier for each information item, customer number information, name information, real name number information, and transaction; Date information, transaction time information, terminal number information, operator information, personality information, taxation information, solicitor information, product name information At least one transaction / subscription segment, including at least one of information, account number information, and preferential tax information, including an identifier for each item of information, direct debit information between accounts, payer direct debit information, and transaction notification information. And a direct debit segment including an identifier for each information item, at least one housing registration information, housing type information, housing offer area information, and account holder information, and a housing offer segment including an identifier for each information item. And at least one real name verification segment including real name verification power of attorney information and including an identifier for each information item.

In the bank transaction (or subscription) application electronic document according to the present invention, the indirect investment product new subscription application electronic document, mail receipt information, mail reception information, message reception information, telephone prohibition information, job information, marriage classification information, Customer value segment including at least one or more of annual income information, dual income information, housing classification information, housing type information, family information, vehicle ownership information, vehicle number information, and an identifier for each information item; Corporate / Group segment and fund name (product name) information, including tax information, maximum shareholder information, representative name information, social security number information, and telephone number information, including an identifier for each information item, tax preferential / non-taxable information, and reinvestment status Information, balance statement information, management report receipt information, initial investment amount information, consolidated account number information, monthly transfer amount At least one investment product segment including at least one or more information, account number information, account holder information, start date of debit, end date of debit, debit period information, and date of debit and include an identifier for each item of information. It is characterized by including the above.

In the bank transaction (or subscription) application electronic document according to the present invention, the foreign currency deposit transaction application electronic document, customer number information, name information, real name number information, transaction date information, terminal number information, operator information, nationality information, Application history segment including at least one or more of personality information, taxation information, deposit tax information, residence classification information, solicitor information, account number information, subject information, and currency code information, including an identifier for each information item, Name information, account holder English name information, social security number information, passport number information, address information, mobile phone information, workplace information, department / position information, telephone number information, deposit information sending information, e-mail address information, nationality information, tax code information, business type An applicant segment including at least one piece of identification information, a seller identification information, a seal / signature information, and including an identifier for each information item; Incorporation group information, business information, largest shareholder information, representative name information, social security number information, telephone number information, and at least one corporate / organization segment including an identifier for each information item, currency information, amount information, contract period Foreign currency deposit segment, which includes at least one information, deposit type information, interest payment information, account type information, and an identifier for each item of information, automatic re-content information, re-deposit amount information, re-deposit count information, At least one re-deposit period information, and includes at least one automatic re-segment and agent information, name information, social security number information, address information, relationship information, nationality information, delegate information, including an identifier for each information item And at least one real name identification segment including at least one and including an identifier for each information item. It is characterized by made.

On the other hand, the electronic document operating device according to the present invention, at least one transaction (or subscription) request information corresponding to the application information included in the bank transaction (or subscription) application for a new bank transaction (or financial product subscription) application A key input unit for inputting, and an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the inputted at least one transaction (or subscription) request information through a communication network, or in a computer edited document. And an electronic document generation unit for generating a bank transaction (or subscription) application electronic document and an electronic document transmission unit for transmitting the generated bank transaction (or subscription) application electronic document to all advisory servers on a communication network. do.

In the electronic document operating device according to the present invention, the key input unit is characterized in that further comprising receiving a digital signature of the applicant for inputting the transaction (or subscription) request information from the sign pad device.

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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of an electronic document system for a bank transaction (or subscription) application according to an embodiment of the present invention.

In more detail, Figure 1 shows a bank transaction that includes at least one bank transaction application, an indirect investment product registration application, and a foreign currency deposit transaction application that the customer creates when the customer visits a bank branch (or a branch) and makes a transaction. (Or subscription) A system for electronically documenting an application, specifically an application form preprinted on a paper application in which the customer includes at least one bank transaction application, a new application for indirect investment product, and a foreign currency deposit transaction application. When the transaction (or subscription) request information is filled in at least one transaction (or subscription) application item included in and submitted to the counter, the bank terminal (165) includes a bank transaction including image content corresponding to the paper application ( Or subscription) create an application electronic document and transmit it to the electronic document storage through the network It is a figure which shows the structure of the electronic document system which processes so that it may be stored.

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 configuration of an electronic document system for the bank transaction (or subscription) application. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 1 and apply for a bank transaction (or subscription) electronic document provided in the terminal 165 shown in this drawing 1. A separate electronic document generation server (not shown) in which a generation function (for example, the electronic document generation unit 155, the electronic document transmission unit 145, the storage unit 160, etc.) is connected to the window terminal 165 through a communication network. (E.g., receiving unit for receiving the image content and account information and transaction (or subscription) request information, electronic document generation unit 155, electronic document transmission unit 145, storage unit 160, etc.) It will be possible to infer an implementation method, and the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 1 according to an embodiment of the present invention, an electronic documenting system for the bank transaction (or subscription) application includes a teller terminal 165 provided at at least one bank branch (or branch), and the teller window. It is connected to the terminal 165 through a communication network (for example, a financial network), the financial system for processing a transaction (or subscription) request requested by the window terminal 165 and the window terminal 165 through a communication network. And an electronic document server 100 for storing the electronic document generated and transmitted by the window terminal 165.

According to the method of the present invention, a customer who visits the bank branch (or branch) includes at least one bank transaction application, an indirect investment product new application form, and a foreign currency deposit transaction application provided at the bank branch (or branch). A window transaction is initiated by submitting transaction (or subscription) request information to the counter at least one or more transaction (or subscription) application items included in the application form preprinted on the paper application form. It is desirable to seal the customer's seal for legal basis on the bank transaction (or subscription) application.

Thereafter, the window clerk acquires the image contents by scanning the paper application through an image acquisition device to process a transaction (or subscription) application for a bank transaction (or subscription) application corresponding to the paper application, Input the transaction (or subscription) request information corresponding to the transaction (or subscription) application item written in the paper application through the key input means provided in the terminal 165, and inputs the entered transaction (or subscription) request information. Process a transaction (or subscription) application corresponding to the bank transaction (or subscription) application in association with the financial system (eg, account).

According to the present invention, the teller terminal 165 comprises a personal computer (or desktop computer) device configuration in hardware, and deals with (or subscribes to) the financial system through the communication network in software. It is characterized by comprising a teller terminal 165 module (or teller terminal 165 program) for processing the application.

Those skilled in the art will be familiar with the hardware characteristics of the terminal 165 including the personal computer (or desktop computer) device configuration, detailed description thereof is for convenience. Omit.

Referring to FIG. 1, the window terminal 165 module provided in the window terminal 165 is a screen output device (eg, a monitor) provided in the window terminal 165 and at least one transaction (or subscription) application interface. Request for a transaction (or subscription) corresponding to the transaction (or subscription) application interface screen from a screen output unit 130 for outputting a screen and a key input device (for example, a keyboard and a mouse) provided in the window terminal 165. A key input unit 135 for inputting information and a financial processing unit for processing a transaction (or subscription) application corresponding to the input transaction (or subscription) request information in connection with the financial system (eg, account system) through a communication network ( 140, a storage unit 160 for storing at least one transaction (or subscription) application interface information corresponding to the transaction (or subscription) application interface screen, and the screen output unit 130. Also, one or more transaction (or subscription) application interface screens are output, the transaction (or subscription) request information is input through the transaction (or subscription) application interface, and a transaction corresponding to the transaction (or subscription) request information ( Or subscription) a control unit 150 which controls the processing of the application.

The teller terminal 165 module is activated by the teller employee logging into the teller terminal 165 through the employee authentication information, and the screen output unit 130 inputs the customer information for the transaction (or subscription) application. And a user interface for inputting transaction and transaction (or subscription) request information, and outputting a transaction (or subscription) application interface screen for outputting account information corresponding to the customer information. The key input unit 135 When the customer information is inputted through), the financial processor 140 transmits the customer information to the financial system through a communication network, and then receives the account information of the customer corresponding to the customer information from the financial system. In response, the screen output unit 130 intercepts the transaction (or subscription) request information of the account information. Characterized in that the automatic input and output to the device display.

Subsequently, when at least one transaction (or subscription) request information is input through the key input unit 135, the financial processing unit 140 displays the account information and the input transaction (or subscription) request information through a communication network. By transmitting to the financial system, characterized in that for processing the transaction (or subscription) application corresponding to the transaction (or subscription) request information.

If one of ordinary skill in the art to which the present invention belongs, the screen output unit 130, the key input unit corresponding to the window terminal 165 module processing the transaction (or subscription) application in the window terminal 165 The technical features of the 135, the financial processor 140, the storage 160, and the controller 150 will be well understood, and a detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the counter terminal 165 module provided in the counter terminal 165 is a bank transaction (or subscription) application (eg, a transaction corresponding to each application form) for processing the transaction (or subscription) application. (Or subscription) a paper application in which transaction (or subscription) request information for each application item is filled out) from the image acquisition device provided (or connected) to the terminal 165, indirect investment An image acquisition unit 125 for acquiring image content corresponding to a paper application including at least one new product registration application and a foreign currency deposit transaction application, the obtained image content, and the transaction (or subscription) application interface; Account account information and transaction (or subscription) request information input through the transaction (or subscription) application interface among the information written on the paper application form. Electronic document generation unit 155 for generating a bank transaction (or subscription) application electronic document to transmit, and the electronic document transmission for transmitting the generated bank transaction (or subscription) application electronic document to the electronic document server 100 through a communication network And an electronic document interface information for generating the bank transaction electronic document, or generated by the electronic document generation unit 155. The bank transaction (or subscription) application electronic document is stored for a predetermined time before being transmitted to the electronic document server 100, the screen output unit 130 is a screen provided in the window terminal 165 Outputting the electronic document interface screen to an output device, or including the electronic document interface on a transaction (or subscription) application interface screen output to the screen device; Wu, characterized in that to enable the electronic document interface.

The image acquiring unit 125 is a paper in which transaction (or subscription) request information for each application (or subscription) application item corresponding to each application form is entered from the image acquisition device (or connected) included in the window terminal 165. Characterized in that the image content corresponding to the application is obtained.

According to the exemplary embodiment of the present invention, the image obtaining unit 125 corrects the resolution and the pixel position so that the image content has a certain size horizontally and vertically, so that the image obtaining unit 125 has a constant on a coordinate system having the upper left of the corrected image content as an origin. It is preferable to process so that a transaction (or subscription) request information area in which a certain transaction (or subscription) application item is written at a pixel position is located.

For example, the image acquisition unit 125 processes the paper application to acquire image content by scanning the paper application application according to a predetermined resolution through the image acquisition device, and when the image content is scanned obliquely through the image acquisition device, The image obtaining unit 125 may correct the image content so that the image content obtained through the image obtaining apparatus is rotated clockwise (or counterclockwise) so as to fall within a predetermined size horizontally and vertically.

When the image content corresponding to the paper application including at least one of the bank transaction application, the indirect investment product new application and the foreign currency deposit transaction application is obtained through the image acquisition unit 125, the screen output unit 130 Outputs the electronic document interface screen provided in the storage unit 160 to the screen output device provided in the window terminal 165 or the electronic document on the transaction (or subscription) application interface screen output to the screen device. If the interface is already included, it is characterized in that to activate the electronic document interface.

Thereafter, the account information of the customer is output on the transaction (or subscription) application interface screen through the screen output unit 130, and the paper application form is applied to the transaction (or subscription) application interface through the key input unit 135. After transaction (or subscription) request information corresponding to is inputted, a transaction (or subscription) application using the account information and transaction (or subscription) request information is processed, or the image content is transmitted through the electronic document interface. When a bank transaction (or subscription) application electronic document generation request is requested, the electronic document generation unit 155 may include image content acquired through the image acquisition unit 125 and an account system output on the transaction (or subscription) application interface. Information and transaction (or subscription) request information entered through the transaction (or subscription) application interface among the information written on the paper application form. It is characterized in that it created a bank (or join) the electronic application documents.

Consultation before the bank transaction (or subscription) application generated by the electronic document generation unit 155, an image area for outputting the image content obtained through the image acquisition unit 125, the account information and the transaction ( Or subscription) a document information area including application entry information matching the information written on the paper application among the request information, and responds to the transaction (or subscription) application processing result according to the intention of a person skilled in the art. Preferably, the transaction (or subscription) history area is further included, wherein the transaction (or subscription) history area is preferably overlapped with the image area or included in the document information area.

According to an embodiment of the present invention, the bank transaction (or subscription) application electronic document generated by the electronic document generation unit 155 may be an electronic data interchange (EDI) file, a portable document format (PDF) file, an HWP / DOC, or the like. It is preferable to include at least one or more word processing files, including at least one or a web document file containing the MHT, may include a separate electronic document file format according to the intention of those skilled in the art.

According to the method of the present invention, the electronic document generation unit 155 is a bank transaction application electronic document generation unit 155 for generating a bank transaction application electronic document corresponding to the bank transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise a).

In addition, the electronic document generation unit 155 is an indirect investment product new subscription application electronic document for generating an indirect investment product new subscription application electronic document corresponding to the indirect investment product new subscription application of the bank transaction (or subscription) application electronic document It is preferable that the generation unit 155 is further provided.

In addition, the electronic document generation unit 155 generates a foreign currency deposit transaction application electronic document generation unit 155 for generating a foreign currency deposit transaction application electronic document corresponding to a foreign currency deposit transaction application form among the bank transaction (or subscription) application electronic documents. It is preferable to further comprise.

Those skilled in the art will be able to infer various electronic document types for generating the bank transaction (or subscription) application electronic document in addition to the bank transaction (or subscription) application described above. It is evident that the present invention is characterized by electronic documentation of all inferred bank transaction (or subscription) applications.

When at least one bank transaction (or subscription) application electronic document is generated by the electronic document generation unit 155, the electronic document transmission unit 145 transmits the generated bank transaction (or subscription) application electronic document to a communication network. Characterized in that the transmission to the electronic document server (100).

According to an embodiment of the present invention, the electronic document transmission unit 145 preferably attaches an electronic signature of a teller who controls the teller terminal 165 to the bank transaction (or subscription) application electronic document. It is preferable to transmit the bank transaction (or subscription) application with the electronic signature of the teller to the electronic document server 100.

According to one embodiment of the invention, the electronic document server 100 is preferably provided in the bank, thereby the present invention is not limited.

According to another embodiment of the present invention, the electronic document server 100 is preferably provided in the electronic document storage authorized outside the bank, whereby the present invention is not limited.

According to the present invention, the electronic document server 100 is characterized in that it comprises an electronic document D / B (120) for storing a bank transaction (or subscription) application electronic document transmitted from the window terminal 165, The electronic document D / B 120 stores a bank transaction (or subscription) application electronic document received from the teller terminal 165 and electronic document management information for managing the bank transaction (or subscription) application electronic document. It is characterized in that for storing in the electronic document D / B (120) in association.

Here, the electronic document management information is an electronic document identification code for managing the bank transaction (or subscription) application electronic document stored in the electronic document D / B (120), the bank transaction (or subscription) application electronic document type Electronic document type code information for identifying the information, bank code information (branch code information, teller terminal 165 information, teller information) sent the bank transaction (or subscription) application electronic document, the electronic document D / B ( 120, at least one document storage date and time information storing the bank transaction (or subscription) application electronic document is preferably included.

Referring to FIG. 1, the electronic document server 100 includes an electronic document receiver 105 for receiving at least one bank transaction (or subscription) application electronic document from the teller terminal 165 through a communication network, and the reception. The information generating unit 110 for generating electronic document management information corresponding to the bank transaction (or subscription) application electronic document, and the electronic document management information and the bank transaction (or subscription) application electronic document in association with each other. It is characterized in that it comprises an electronic document storage unit 115 for storing in the document D / B (120).

The electronic document receiving unit 105 receives at least one bank transaction (or subscription) application electronic document generated from the window terminal 165 through the communication network, and the bank transaction (or subscription) application electronics. The document includes an image area for outputting image contents corresponding to the paper application form, and a document information area including application form information matching the information written on the paper application form among the account information and the transaction (or subscription) request information. And a transaction (or subscription) history area corresponding to the transaction (or subscription) application processing result according to the intention of a person skilled in the art, wherein the transaction (or subscription) history area is It is preferable to overlap with the image area or to be included in the document information area.

According to the method of the present invention, the bank transaction (or subscription) electronic document is a word processor file including at least one or more EDI (Electronic Data Interchange) files, Portable Document Format (PDF) files, HWP / DOC, etc., or It is preferable to include at least one web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

According to the method of the present invention, the electronic document generation unit 155 is a bank transaction application electronic document generation unit 155 for generating a bank transaction application electronic document corresponding to the bank transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise a).

In addition, the electronic document generation unit 155 is an indirect investment product new subscription application electronic document for generating an indirect investment product new subscription application electronic document corresponding to the indirect investment product new subscription application of the bank transaction (or subscription) application electronic document It is preferable that the generation unit 155 is further provided.

In addition, the electronic document generation unit 155 generates a foreign currency deposit transaction application electronic document generation unit 155 for generating a foreign currency deposit transaction application electronic document corresponding to a foreign currency deposit transaction application form among the bank transaction (or subscription) application electronic documents. It is preferable to further comprise.

Those skilled in the art will be able to infer various electronic document types for generating the bank transaction (or subscription) application electronic document in addition to the bank transaction (or subscription) application described above. It is evident that the present invention is characterized by electronic documentation of all inferred bank transaction (or subscription) applications.

When the bank transaction (or subscription) application electronic document is received by the electronic document receiving unit 105, the information generation unit 110 identifies the electronic document for managing the received bank transaction (or subscription) application electronic document. Code, electronic document type code information for identifying the bank transaction (or subscription) application electronic document type, bank code information (branch code information, teller terminal 165) information that sent the bank transaction (or subscription) application electronic document , The clerk information), and electronic document management information including at least one document storage date and time information for storing the bank transaction (or subscription) application electronic document in the electronic document D / B (120) .

The electronic document storage unit 115 processes the bank transaction (or subscription) application electronic document received through the electronic document receiving unit 105 and the electronic document management information generated through the information generating unit 110 to perform the processing. Characterized in that stored in the electronic document D / B (120).

2 is a diagram illustrating a process of generating a bank transaction (or subscription) application electronic document according to an embodiment of the present invention.

More specifically, FIG. 2 shows image content corresponding to a paper application created by a customer at the teller terminal 165 on the electronic document system for the bank transaction (or subscription) application shown in FIG. 1, and the paper application information. A process for generating a bank transaction (or subscription) application electronic document including at least one transaction (or subscription) request information and account information for the customer, which has a general knowledge in the technical field to which the present invention belongs. It will be appreciated that various implementation methods for the process of generating the bank transaction (or subscription) application electronic document by referring to and / or modifying this drawing 2 may be inferred, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 2.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the electronic document generating server (not shown) on the communication network connected to the window terminal 165 by referring to and / or modifying the drawing 2. Generating a bank transaction (or subscription) application electronic document including at least one image content corresponding to the completed paper application, transaction (or subscription) request information written in the paper application information, and account information for the customer; It will be inferred that, the present invention is characterized in that it comprises all the implementation methods inferred.

Referring to Fig. 2, the teller terminal 165 on the electronic document system for the bank transaction (or subscription) application shown in Fig. 1 processes the login to the teller in connection with the financial system, and the teller authenticates. Check if it is (200).

If the counter employee is authenticated (205), the counter terminal 165 outputs a transaction (or subscription) application interface screen, and the transaction (or subscription) application target customer information through the transaction (or subscription) application interface screen. Verify that is entered (215).

According to an embodiment of the present invention, a customer who visits the bank branch (or branch office) includes at least one bank transaction application form, an indirect investment product new application form, and a foreign currency deposit transaction application form provided at the bank branch (or branch office). When the transaction (or subscription) request information is submitted to the counter at least one or more financial transaction items included in the application form printed on the paper application, the counter employee will enter the transaction (or subscription) on the paper application. It is preferable to input the application target customer information on the transaction (or subscription) application interface screen.

If the transaction (or subscription) application target customer information is not input through the transaction (or subscription) application interface screen (215), the window terminal 165 is an image corresponding to the paper application through the image acquisition device; A process of checking whether content is acquired may be performed (235).

On the other hand, if the customer information for the transaction (or subscription) application is input through the transaction (or subscription) application interface screen (215), the teller terminal 165 is connected to the financial system through the communication network to the account information. Receiving and outputting corresponding account information (220), and confirms that the transaction (or subscription) request information corresponding to the paper application is input through the transaction (or subscription) application interface (225).

According to an embodiment of the present invention, the transaction (or subscription) request information may include at least one request code information corresponding to the paper application, at least one applicant information corresponding to each application code information, and target financial product information. desirable.

If transaction (or subscription) request information is input through the transaction (or subscription) application interface (230), the teller terminal 165 checks whether image content corresponding to the paper application is obtained through the image acquisition device. (235).

If image content corresponding to the paper application is obtained (240), the window terminal 165 performs an image correction process for electronically documenting the obtained image content (245).

According to the exemplary embodiment of the present invention, the window terminal 165 corrects the resolution and the pixel position so that the image content has a certain size horizontally and vertically, so that a certain pixel is located on a coordinate system having an upper left corner of the corrected image content as an origin. It is preferable to process so that a transaction (or subscription) request information area in which a certain financial transaction item is written at a position is located.

For example, the window terminal 165 processes the paper application to obtain image content by using the image obtaining apparatus according to a predetermined resolution, and when the image content is scanned obliquely through the image obtaining apparatus, The image acquirer 125 may rotate the image content acquired through the image acquisition device clockwise (or counterclockwise) to correct the image content so as to fall within a predetermined size horizontally and vertically.

If the image content is corrected (250), the teller terminal 165 processes the financial transaction corresponding to the account information and the transaction (or subscription) request information in connection with the financial system through a communication network (255). .

If the financial transaction processing is completed (260), the teller terminal 165 generates an electronic document for the bank transaction (or subscription) application containing the image content, account information and transaction (or subscription) request information ( 265).

According to an embodiment of the present invention, the bank transaction (or subscription) electronic document may include an image area for outputting image content corresponding to the paper application, and the account application information and transaction (or subscription) request information. And a document information area including application application information matching the written information, and further comprising a transaction (or subscription) detail area corresponding to the financial transaction processing result according to the intention of the person skilled in the art. Preferably, the transaction (or subscription) details area is preferably overlapped with the image area or included in the document information area.

According to the method of the present invention, the bank transaction (or subscription) electronic document is a word processor file including at least one or more EDI (Electronic Data Interchange) files, Portable Document Format (PDF) files, HWP / DOC, etc., or It is preferable to include at least one web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

According to the implementation method of the present invention, the bank transaction (or subscription) electronic document is a bank transaction application electronic document corresponding to the bank transaction application, indirect investment product new subscription application electronic document corresponding to the new indirect investment product application, foreign currency It is preferable to include at least one foreign currency deposit transaction application electronic document corresponding to the deposit transaction application.

Those skilled in the art will be able to infer various types of electronic documents in addition to the bank transaction (or subscription) application electronic document described above, and the present invention may infer all bank transactions (or subscriptions) inferred from the above. It is clear that this is done, including the requesting electronic documents.

If the bank transaction (or subscription) application electronic document is generated (270), the teller terminal 165 stores the generated bank transaction (or subscription) application electronic document, or via the communication network the electronic document server ( 100, the bank transaction (or subscription) application electronic document is transmitted (275).

3 is a diagram illustrating a process of storing a bank transaction (or subscription) application electronic document in an electronic document repository according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a process of generating an electronic document for bank transaction (or subscription) application shown in FIG. 2 at the window terminal 165 on the electronic document system for the bank transaction (or subscription) application shown in FIG. When the bank transaction (or subscription) application electronic document generated is transmitted, the electronic document server 100 generates electronic document management information corresponding to the bank transaction (or subscription) application electronic document, and the electronic document management information. Regarding a process of linking the bank transaction (or subscription) application electronic document and storing it in the electronic document D / B 120, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to FIG. And / or may be modified to infer various implementation methods for the process of storing the bank transaction (or subscription) electronic document in an electronic archive. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Referring to Figure 3, through the process of generating a bank transaction (or subscription) application electronic document shown in Figure 2 in the window terminal 165 on the electronic document system for the bank transaction (or subscription) application shown in Figure 1 When a bank transaction (or subscription) application electronic document is generated and the generated bank transaction (or subscription) application electronic document is transmitted to the electronic document server 100 through a communication network (300), the electronic document server 100 Receives the bank transaction (or subscription) application electronic document, and the bank code information (branch code information, teller terminal 165) information, window that sent the bank transaction (or subscription) application electronic document in the process of receiving the electronic document Employee information) (305), read the received bank transaction (or subscription) application electronic document to confirm electronic document type code information for the bank transaction (or subscription) application electronic document (310), An electronic document identification code and document storage date and time information for the bank transaction (or subscription) application electronic document are generated (315).

Thereafter, the electronic document server 100 is an electronic document identification code, bank code information (branch code information, teller terminal 165 information, teller information) for the bank transaction (or subscription) application electronic document, electronic document type Electronic document management information including at least one of code information and document storage date and time information is generated (320).

If the electronic document management information is generated 325, the electronic document server 100 connects the bank transaction (or subscription) application electronic document and the electronic document management information to the electronic document D / B 120. In operation 330, the bank transaction (or subscription) application electronic document storage result is transmitted to the counter terminal 165 through the communication network (335).

Figures 4a and 4b is a view illustrating a bank transaction application electronic document structure of the bank transaction (or subscription) application according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B illustrate a process of generating an electronic document for bank transaction (or subscription) application shown in FIG. 2 at a window terminal on the electronic document system for an application for bank transaction (or subscription) shown in FIG. Examples of banking transaction (or subscription) electronic documents generated through the bank transaction application electronic documents, and those of ordinary skill in the art to which the present invention pertains, reference and / or modification of the drawings 4a and 4b It will be possible to infer various implementation methods for the bank transaction application electronic document structure of the bank transaction (or subscription) application, but the present invention includes all the implementation methods that are inferred, as shown in Figures 4a and 4b. The technical features are not limited only to the illustrated embodiment.

Referring to FIGS. 4A and 4B, among the bank transaction (or subscription) electronic documents, the bank transaction application electronic document includes an image content segment 400 corresponding to the bank transaction application prepared by the customer, a transaction bank, and a branch. A bank account segment (403) that includes at least one of the following: a terminal, a counter terminal, and a representative; At least one claimant segment 405 including at least one, and receiving mail, receiving mail, receiving messages, banning calls, occupation, marriage classification, annual income, dual income, housing classification, type of residence, family information, vehicle ownership, and vehicle number. The customer value segment 410 including the above and a corporation / group segment including at least one of a corporation number, a business type, a largest shareholder, a representative's name, a social security number, and a phone number (4). 15) and a subscription product segment (420) including at least one subscription product name, subscription amount / monthly savings, contract period, payment date, interest payment method / establishment method, automatic payment system account, automatic payment system maturity account, and card type. A card application segment 425 including at least one of an English name, a limit amount, an electronic account alias, a card recipient, an electronic banking type, an electronic banking application channel, a withdrawal account, a security medium, an SMS notification, a transfer limit, and a security card Electronic financial application segment 430 including at least one recipient, automated device application segment 435 including automated device transaction type, limit amount, customer number, name, real name number, transaction date, transaction time, terminal Transaction / subscription segment (445) including at least one, operator, personality, taxation, solicitor, trade name, account number, tax breaks, direct debit between accounts, payer direct debit, transaction history notification Direct debit segment 450, which includes at least one or more, housing registration segment 455, which includes at least one resident registration location, housing type, housing subscription area, and depositor, and real name verification segment 460, including a real name proxy. Characterized in that it comprises at least one, it is possible to further comprise at least one or more segments as illustrated in Figures 4a and 4b in the intention of those skilled in the art.

The image content segment 400 includes a segment identifier for identifying the image content segment 400 on the bank transaction request electronic document and an image content corresponding to a bank transaction application form obtained through the image obtaining apparatus. It is preferable.

According to an embodiment of the present invention, it is preferable that the image content included in the image content segment 400 is sealed (or sealed) by the applicant (or agent).

The transaction bank segment 403 stores a segment identifier for identifying the transaction bank segment 403 on the bank transaction application electronic document, the bank transaction application, and provides a financial service corresponding to the bank transaction application. It is preferable to include at least one transaction bank identifier and transaction bank information, branch identifier and branch information, teller terminal identifier and teller terminal information, employee number identifier and employee number information of the teller.

The applicant segment 405 is a segment identifier for identifying the applicant segment 405 on the bank transaction application electronic document, the applicant name identifier and applicant name, social security number identifier and social security number information, nationality identifier and nationality information, passport number identifier. And passport number information, address identifier and address information, mobile phone identifier and mobile phone, work identifier and work information, department / position identifier and department / position information, telephone number identifier and phone number information, email address identifier and email address information, and seal It is preferable to include at least one / signature identifier and seal / signature information.

The customer value segment 410 may include a segment identifier for identifying the customer value segment 410 on the bank transaction request electronic document, a mail receipt identifier and mail receipt information, a mail receipt identifier and mail reception information, a message reception identifier, Message reception information, call prohibited identifier and call prohibited information, job identifier and job information, marriage classification identifier and marriage classification information, annual income identifier and annual income information, dual income identifier and dual income information, residential classification identifier and housing classification information, housing type identifier and At least one housing type information, family information identifier and family information, vehicle ownership identifier and vehicle ownership information, vehicle number identifier and vehicle number information is preferably included.

The corporation / group segment 415 may include a segment identifier for identifying the corporation / group segment 415 on the bank transaction application electronic document, a corporation number identifier, a corporation number information, an industry type identifier, an industry type information, and a largest shareholder identifier; At least one of the largest shareholder information, representative name identifier and representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information is preferably made.

The subscription product segment 420 may include a segment identifier for identifying the subscription product segment 420 on the bank transaction request electronic document, a subscription product name identifier and subscription product name information, a subscription amount / monthly savings identifier and a subscription amount / monthly savings Information, contract term identifier and contract term information, payment date identifier and payment date information, interest payment method / interest method identifier, interest payment method / establishment method information, automatic payment system account identifier and automatic payment system account information, maturity automatic system account identifier and It is preferable to include at least one or more information of the maturity automatic transfer account.

The card application segment 425 may include a segment identifier for identifying the card application segment 425 on the bank transaction request electronic document, a card type identifier and card type information, an English name identifier and English name information, a limit amount identifier, It is preferable to include at least one limit amount information, electronic account alias identifier and electronic account alias information, card recipient identifier and card recipient information.

The electronic banking segment 430 may include a segment identifier for identifying the electronic banking segment 430 on the banking transaction electronic document, an electronic banking type identifier and electronic banking type information, an electronic banking channel identifier and an electronic banking segment. At least one application channel information, withdrawal account identifier and withdrawal account information, security medium identifier and security medium information, SMS notification identifier and SMS notification information, transfer limit identifier and transfer limit information, security card recipient identifier and security card recipient information It is preferable to make it.

The automated device application segment 435 may include a segment identifier for identifying the automated device application segment 435 on the bank transaction request electronic document, an automatic machine transaction type identifier, automatic device transaction type information, a limit value identifier, and a limit. It is preferable to include the amount information.

The transaction / subscription segment 445 may include a segment identifier for identifying the transaction / subscription segment 445 on the bank transaction application electronic document, a customer number identifier, a customer number information, a name identifier, a name information, a real name number. Identifier and real name number information, transaction date identifier and transaction date information, transaction time identifier and transaction time information, terminal number identifier and terminal number information, operator identifier and operator information, personality identifier and personality information, taxation identifier and taxation information, solicitor It is preferable that the identifier and the owner information, product name identifier and product name information, account number identifier and account number information, tax treatment identifier and tax treatment information at least one or more.

The debit segment 450 includes a segment identifier for identifying the debit segment 450 on the bank transaction request electronic document, an inter-account debit identifier, an inter-account debit information, a payer debit identifier, and a payer direct debit. At least one information, a transaction history notification identifier and transaction history notification information is preferably included.

The housing offer segment 455 includes a segment identifier for identifying the housing offer segment 455 on the bank transaction request electronic document, a resident registration site identifier, a resident registration location information, a housing type identifier, a housing type information, and a housing application. It is preferable to include at least one or more of the area identifier, home application area information, account holder identifier and account holder information.

The real name verification segment 460 preferably includes a segment identifier for identifying the real name verification segment 460 on the bank transaction application electronic document, a real name verification mandate identifier and real name verification mandate information.

According to the present embodiment, each segment identifier and information identifier constituting the bank transaction request electronic document uses an identifier supported by the bank transaction request electronic document format.

For example, if the bank transaction request electronic document is an electronic data interchange (EDI) file, the segment identifier and the information identifier may be defined using the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is preferable.

Alternatively, if the bank transaction request electronic document is a Portable Document Format (PDF) file, the segment identifier and the information identifier may be defined by using an identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is preferable.

Or, if the banking application electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format; It is preferable to define and use as an information identifier.

Alternatively, if the bank transaction request electronic document is a web document file including an MHT, the segment identifier and the information identifier may be defined by using an identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is preferable.

5 is a diagram illustrating the structure of the electronic document application for new subscription of indirect investment products in the bank transaction (or subscription) application according to an embodiment of the present invention.

In more detail, Figure 5 is generated through the process of generating a bank transaction (or subscription) application electronic document shown in Figure 2 at the window terminal on the electronic document system for the bank transaction (or subscription) application shown in Figure 1 An example of a bank transaction (or subscription) application electronic document is an electronic document for applying for a new indirect investment product, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 5 and then the bank. Although it may be possible to infer various implementation methods for the electronic document structure of the indirect investment product new subscription application in the transaction (or subscription) application, the present invention includes all the implementation methods inferred from the above, and is shown in FIG. The technical features are not limited only by the method.

Referring to FIG. 5, the indirect investment product new subscription application electronic document among the bank transaction (or subscription) application electronic documents includes an image content segment 500 corresponding to the indirect investment product new subscription application prepared by the customer. Transaction bank segment 505, which includes at least one bank, branch, teller terminal, and employee in charge, applicant's name, social security number, nationality, passport number, address, mobile phone, workplace, department / position, telephone number, e-mail address and seal Applicant segment 510 containing at least one signature, receipt of mail, receipt of mail, receipt of messages, prohibition of telephone calls, occupation, marital status, annual income, dual income, housing classification, type of residence, family information, vehicle ownership, vehicle number At least one customer value segment 515 including at least one, corporate number, type of business, largest shareholder, representative name, social security number, telephone number / Group segment (520), fund name (product name), preferential tax / non-taxation, reinvestment status, periodic balance statement, receipt of management report, initial investment amount, consolidated account number, monthly transfer amount, transfer system number, account holder, start date of automatic transfer At least one investment product segment 525 including at least one of an end date of debit, a period of debit, and a date of debit, at least one of which is illustrated in FIG. It is possible to further comprise the above segment.

The image content segment 500 corresponds to a segment identifier for identifying the image content segment 500 on the indirect investment product new subscription request electronic document, and an indirect investment product new subscription application obtained through the image acquisition device. It is preferable to include the image content.

According to the exemplary embodiment of the present invention, it is preferable that the image content included in the image content segment 500 is sealed (or stamped) by the applicant (or agent).

The trading bank segment 505 receives a segment identifier for identifying the trading bank segment 505 and the indirect investment product new subscription application on the indirect investment product new subscription application electronic document, and newly registers the indirect investment product. It is preferable to include at least one transaction bank identifier, transaction bank information, branch identifier and branch information, teller terminal identifier and teller terminal information, employee number identifier and employee number information of the teller who provided the financial service corresponding to the application. Do.

The applicant segment 510 may include a segment identifier for identifying the applicant segment 510 on the indirect investment product new subscription application electronic document, an applicant name identifier and an applicant name, a social security number identifier and social security number information, a nationality identifier and nationality information, Passport Number Identifier and Passport Number Information, Address Identifier and Address Information, Cell Phone Identifier and Mobile Phone, Work Identifier and Work Information, Department / Title Identifier and Department / Title Information, Telephone Number Identifier and Phone Number Information, Email Address Identifier and Email Address Information And at least one seal / signature identifier and seal / signature information.

The customer value segment 515 may include a segment identifier for identifying the customer value segment 515 on the indirect investment product new subscription request electronic document, a mail receipt identifier and mail receipt information, a mail receipt identifier and mail reception information, and a message. Receiving Identifier and Message Reception Information, Call Prohibition Identifier and Call Prohibition Information, Occupation Identifier and Job Information, Marriage Identifier and Marriage Identification Information, Annual Income Identifier and Annual Income Information, Dual Earning Identifier and Dual Earning Information, Residential Identifier and Housing Identification Information, Housing It is preferable to include at least one or more of the type identifier and housing type information, family information identifier and family information, vehicle ownership identifier and vehicle ownership information, vehicle number identifier and vehicle number information.

The corporation / group segment 520 may include a segment identifier for identifying the corporation / group segment 520, a corporation number identifier, a corporation number information, an industry type identifier, an industry type information, and a maximum on the indirect investment product new subscription application electronic document. At least one of the stockholder identifier and the largest shareholder information, representative name identifier and representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information is preferably made.

The investment product segment 525 may include a segment identifier for identifying the investment product segment 525 on the indirect investment product new subscription application electronic document, fund name (product name) and fund name (product name) information, and tax preferential / non-taxable identifier. And preferential tax / non-taxation information, reinvestment status identifier and reinvestment status information, periodic statement identifier and periodic statement statement information, management report receipt identifier and management report receipt information, initial investment amount identifier and initial investment amount information, linked account number identifier and Consolidated account number information, monthly transfer amount identifier and monthly transfer amount information, transfer system identifier number and transfer system number information, account holder identifier and account holder information, debit start date identifier and debit start date information, debit end date identifier and end date of debit Direct debit cycle identifier, direct debit cycle information, direct debit date identifier It comprises a debit date information for at least one are preferred.

According to the present embodiment, each segment identifier and information identifier constituting the indirect investment product new subscription application electronic document uses an identifier supported by the indirect investment product new subscription application electronic document format.

For example, if the indirect investment product new application request electronic document is an EDI file, the segment identifier and the information identifier define the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is preferable to use.

Alternatively, if the indirect investment product new subscription request electronic document is a PDF (Portable Document Format) file, the segment identifier and the information identifier define an identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is preferable to use.

Alternatively, if the indirect investment product new subscription request electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format. It is preferable to define and use the identifier or the information identifier.

Alternatively, if the indirect investment product new subscription application electronic document is a web document file including MHT, the segment identifier and the information identifier define the identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is preferable to use.

6A and 6B illustrate an electronic document structure of a foreign currency deposit transaction application in a bank transaction (or subscription) application according to an embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate a process of generating an electronic document for bank transaction (or subscription) application shown in FIG. 2 at a window terminal on the electronic document system for an application for bank transaction (or subscription) shown in FIG. Examples of bank transaction (or subscription) application electronic documents generated through the foreign currency deposit transaction application electronic documents, and those skilled in the art to which the present invention pertains, refer to and / or the present drawings 6a and 6b. It may be modified to infer various implementation methods for the foreign currency deposit transaction application electronic document structure of the bank transaction (or subscription) application, but the present invention includes all the implementation methods inferred, this figure 6a and the drawings The technical features are not limited only to the implementation method shown in 6b.

6A and 6B, among the bank transaction (or subscription) electronic documents, the foreign currency deposit transaction electronic document includes an image content segment 600 corresponding to the foreign currency deposit transaction application prepared by the customer, and a transaction bank. Transaction bank segment 605, which includes at least one branch, a counter terminal, and an employee in charge; Application history segment 610 including at least one person, account number, subject, currency code, account holder's Korean name, account holder's English name, social security number, passport number, address, mobile phone, workplace, department / position, telephone number, Applicant segment 615 including at least one deposit information, mailing address, nationality, tax code, business category, trader classification, seal / signature, corporation number, business type, largest shareholder, name of representative, Corporate / organization segment 620 including at least one social security number and telephone number; and foreign currency deposit segment 625 including at least one currency, amount, contract period, deposit type, interest payment classification, and account type; and At least one automatic reloading segment 630 including at least one reloading content, the amount of reloading, the number of reloadings, and a single reloading period, an agent, name, social security number, address, relationship with the person, nationality, and delegate Characterized in that it comprises at least one or more real-name identification segment 640, it is possible to further comprise at least one or more segments as illustrated in Figures 6a and 6b in the intention of those skilled in the art.

The image content segment 600 includes a segment identifier for identifying the image content segment 600 on the foreign currency deposit transaction electronic document, and an image content corresponding to the foreign currency deposit transaction application obtained through the image acquisition device. It is preferable to make it.

According to the exemplary embodiment of the present invention, it is preferable that the image content included in the image content segment 600 is sealed (or sealed) by the applicant (or agent).

The trading bank segment 605 stores a segment identifier for identifying the trading bank segment 605 on the foreign currency deposit transaction electronic document, the foreign currency deposit transaction application form, and corresponds to the foreign currency deposit transaction application. It is preferable that the transaction bank identifier and transaction bank information provided, the branch identifier and branch information, the teller terminal identifier and teller terminal information, at least one or more employee number identifier and employee number information of the teller.

The application segment 610 is a segment identifier for identifying the application segment 610 on the foreign currency deposit transaction electronic document, customer number identifier and customer number information, name identifier and name information, real name number identifier and real name Number information, transaction date identifier and transaction date information, terminal number identifier and terminal number information, operator identifier and operator information, nationality identifier and nationality information, personality identifier and personality information, taxation identifier and taxation information, deposit tax identifier and deposit tax information It is preferable to include at least one or more residence identification identifier and residence classification information, solicitor identifier and residence classification information, account number identifier and account number information, subject identifier and subject information, currency code identifier and currency code information.

The applicant segment 615 may include a segment identifier for identifying the applicant segment 615 on the foreign currency deposit transaction electronic document, an account holder's Korean name identifier and an account holder's Korean name information, an account holder's English name identifier and an account holder's English name information, Social security number identifier and social security number information, passport number identifier and passport number information, address identifier and address information, mobile phone identifier and mobile phone information, work identifier and workplace information, department / position identifier and department / position information, telephone number identifier and telephone number information, Deposit information sending identifier and deposit information sending information, email address identifier and email address information, nationality identifier and nationality information, taxation code identifier and taxation code information, industry classification identifier and industry classification information, trader identification identifier and trader identification information, seal / Include at least one signature identifier and seal / signature information It is preferable to make it.

The corporation / group segment 620 may include a segment identifier for identifying the corporation / group segment 620 on the foreign currency deposit transaction request electronic document, a corporation number identifier, a corporation number information, an industry type identifier, an industry type information, and a largest shareholder identifier. And at least one of the largest shareholder information, representative name identifier and representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information.

The foreign currency deposit segment 625 may include a segment identifier for identifying the foreign currency deposit segment 625 on the foreign currency deposit transaction request electronic document, a currency identifier and currency information, an amount identifier and amount information, a contract term identifier, and a contract term information. For example, it is preferable to include at least one deposit type identifier and deposit type information, an interest payment identifier and interest payment information, an account type identifier and an account type information.

The automatic reloading segment 630 may include a segment identifier for identifying the automatic reloading segment 630 on the foreign currency deposit transaction electronic document, an automatic reloading content identifier, automatic reloading content information, and a reloading amount identifier. Preferably, the re-deposit amount information, re-deposit number identifier and re-deposit number information, one-time re-deposit period identifier and one-time re-deposit period information.

The real name verification segment 640 is a segment identifier for identifying the real name verification segment 640 on the foreign currency deposit transaction electronic document, agent identifier and agent information, name identifier and name information, social security number identifier, social security number information, address It is preferable to include at least one of identifier and address information, relationship between me and identifier, relationship between me, national identifier and nationality information, delegator identifier and delegate information.

According to the present embodiment, each segment identifier and information identifier constituting the foreign currency deposit transaction request electronic document uses an identifier supported by the foreign currency deposit transaction request electronic document format.

For example, if the foreign currency deposit transaction request electronic document is an EDI (Electronic Data Interchange) file, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is desirable to.

Or, if the foreign currency deposit transaction request electronic document is a Portable Document Format (PDF) file, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is desirable to.

Or, if the foreign currency deposit transaction request electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format; Alternatively, it is preferable to use the information identifier.

Alternatively, if the foreign currency deposit transaction request electronic document is a web document file including the MHT, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is desirable to.

7 is a diagram showing the configuration of an electronic document system for a bank transaction (or subscription) application according to another embodiment of the present invention.

In more detail, Figure 7 shows a bank transaction that includes at least one bank transaction application, a new application for indirect investment product, and a foreign currency deposit transaction application that the customer fills when the customer visits a bank branch (or a branch) and makes a window transaction. (Or subscription) for a system configuration for electronically documenting an application, specifically, a bank transaction application, an indirect investment product new subscription application, and foreign currency through the electronic application terminal 765 provided by the customer at the bank branch (or a branch). After inputting the electronic application information including at least one deposit transaction application form, the electronic application information is transmitted to the counter terminal 770 to process a transaction (or subscription) application corresponding to the electronic application information, and then the electronic application. The terminal 765 communicates by generating a bank transaction (or subscription) application electronic document including the electronic application information. FIG. Is a diagram showing the configuration of an electronic document system for processing to transmit and store the electronic document through a network.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 7 to infer various implementation methods for the configuration of an electronic document system for the bank transaction (or subscription) application. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains refers to a bank transaction (or subscription) application electronic provided in the electronic application terminal 765 shown in FIG. A separate electronic document generation server (eg, an electronic document generation unit 755, an electronic document transmission unit 745, a storage unit 760, etc.) connected to the electronic application terminal 765 through a communication network (not shown). It may be inferred that the implementation method (for example, the receiving unit for receiving the electronic application information, the electronic document generating unit 755, the electronic document transmission unit 745, the storage unit 760, etc.) is provided. The present invention is characterized in that it comprises all the implementation methods inferred.

Referring to FIG. 7 according to the method of the present invention, the electronic document system for the bank transaction (or subscription) application includes a teller terminal 770 provided in at least one bank branch (or branch), and the teller window. A terminal connected to the terminal 770 through a communication network (for example, a financial network), a financial system that processes a transaction (or subscription) request requested by the window terminal 770, and is connected to the window terminal 770 through a communication network When connected, the electronic document server 700 stores the electronic document generated and transmitted by the window terminal 770 and is connected through short-range communication provided at the window terminal 770 and the bank branch (or branch). Input the electronic application information including at least one transaction application, new application for indirect investment product, and foreign currency deposit transaction application to the counter terminal 770, and include the electronic application information. It is characterized in that it comprises an electronic application terminal 765 for generating a bank transaction (or subscription) application electronic document and transmits it to the electronic document server 700.

According to the implementation method of the present invention, the customer who visited the bank branch (or branch) through the electronic application terminal 765 provided in the bank branch (or branch) bank transaction application, indirect investment product new subscription application and foreign currency deposit Characterized in that the electronic application information including at least one transaction application.

The teller who performs the teller service at the bank branch (or branch office) inputs the ticket information assigned to the customer to be dealt with through the teller terminal 770 (or the number control device), and correspondingly the teller terminal 770 (Or a number tag control device) transmits the number table information to the electronic application terminal 765 through short-range communication, and when the electronic application information corresponding to the number table information is stored in the electronic application terminal 765, The application terminal 765 transmits the electronic application information corresponding to the number table information to the teller terminal 770, so that a transaction (or subscription) application corresponding to the electronic application information is processed.

According to the present invention, the teller terminal 770 comprises a personal computer (or desktop computer) device configuration in hardware, and deals with (or subscribes to) the financial system through the communication network in software. It is characterized in that it comprises a teller terminal 770 module (or teller terminal 770 program) for processing the application.

Those skilled in the art to which the present invention pertains may include the hardware characteristics of the teller terminal 770 including the personal computer (or desktop computer) device configuration, and the software characteristics for processing the teller transaction task. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the present invention, the electronic application terminal 765 includes a screen output device, a key input device, a card reader device for reading customer information from the identification card of the customer, and a communication device for short-range communication with the teller terminal 770. Characterized in that it comprises, and further comprises a sign pad device for receiving the digital signature of the customer.

Those skilled in the art to which the present invention pertains know the technical features of the screen output device, key input device, card reader device, communication device and sign pad device constituting the electronic application terminal 765. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the electronic application terminal 765 includes a screen output unit 735 for outputting at least one application input interface screen to the screen output device (eg, a monitor), and the key input device (eg, A key input unit 740 for inputting transaction (or subscription) request information to be included in the electronic application information through the application input interface screen from a keyboard and a mouse, and at least one application input interface information corresponding to the application input interface screen; And a storage unit 760 which allocates (or attaches) number table information to electronic application information including the transaction (or subscription) request information input through the application input interface and the customer information, and associates with the communication device. Receiving the ticket information from the counter terminal 770 (or the number tag control device) through local area communication Confirming the electronic application information corresponding to the number table information from the receiving unit 725 and the storage unit 760, and the window terminal 770 through the short-range communication of the confirmed electronic application information in association with the communication device Outputs at least one application input interface screen through the electronic application transmission unit 730 and the screen output unit 735, and includes the transaction (or subscription) request information and customer information through the application input interface; Input the electronic application information, and assign (or attach) the number information to the electronic application information, store the information in the storage unit 760, and send the electronic application information corresponding to the number information to the teller terminal 770. It is characterized by comprising a control unit 750 for controlling the transmission.

When a separate number tag device (not shown) is provided outside the electronic application terminal 765, the electronic application terminal 765 inputs the number information through the key input device, whereby the electronic application input procedure is performed. It is preferable.

Alternatively, when a separate number tag device (not shown) is provided outside the electronic application terminal 765, and the number tag device (not shown) is in communication with the electronic application terminal 765, the electronic application terminal 765. It is preferable that the electronic application input procedure is performed by receiving new number information from the numbering device (not shown).

Alternatively, when the number request generation function is provided outside the electronic request terminal 765, the electronic request terminal 765 preferably allocates new number information.

According to another exemplary embodiment of the present invention, when the customer information is read from the ID card of the customer through the card reader, the electronic application terminal 765 may input the number information, or an external number tag device (not shown). Preferably, the electronic application input procedure is performed by receiving new number information from or generating number information internally.

When the electronic application input procedure is performed, the screen output unit 735 inputs customer information to be applied for a transaction (or subscription) or reads customer information from a customer ID through the card reader device; And an application input interface screen including a user interface for inputting transaction (or subscription) request information through the customer information, wherein the customer information is input through the key input unit 740, or the When the customer information is read from the identification card of the customer through a card reader and at least one transaction (or subscription) request information is input through the key input unit 740, the storage unit 760 performs the transaction (or subscription). Allocating (or attaching) the number information to electronic application information including request information and customer information. It features.

Subsequently, when the transaction target number table information is received from the counter terminal 770 (or the number tag control device) through the information receiving unit 725, the electronic application transmitter 730 transmits the number table information from the storage unit 760. Confirm the corresponding electronic application information, and transmit the confirmed electronic application information to the teller terminal 770 through the local area communication in association with the communication device, thereby responding to the electronic application information at the teller terminal 770; Characterized in that the transaction (or subscription) application to be processed.

In the technical field to which the present invention pertains, a screen output unit 735, a key input unit 740, a storage unit 760, information for inputting the electronic application information from the electronic application terminal 765 Since you will be familiar with the technical features of the receiver 725, the electronic application transmitter 730 and the controller 750, a detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the electronic application terminal 765 is an information receiver for receiving transaction (or subscription) approval information corresponding to the electronic application information from the teller terminal 770 through short-range communication in connection with the communication device. 725 and, upon receipt of the transaction (or subscription) approval information, an electronic device that generates a bank transaction (or subscription) application electronic document including electronic application information including the transaction (or subscription) request information and customer information. And a document generation unit 755 and an electronic document transmission unit 745 for transmitting the generated bank transaction (or subscription) application electronic document to the electronic document server 700 through a communication network. The storage unit 760 stores the bank transaction (or subscription) application electronic document generated by the electronic document generation unit 755 for a predetermined time until the electronic document server 700 is transmitted to the electronic document server 700. It characterized.

After the electronic application information is transmitted to the teller terminal 770 by the electronic application transmitting unit 730, the transaction (or subscription) approval information corresponding to the electronic application is received through the information receiving unit 725. The transaction (or subscription) approval information may further include transaction (or subscription) history information for a transaction (or subscription) application corresponding to the electronic application information.

When received, the electronic document generation unit 755 is characterized in that for generating a bank transaction (or subscription) application electronic document including the electronic application information including the transaction (or subscription) request information and customer information.

The bank transaction (or subscription) application electronic document generated by the electronic document generation unit 755 includes a document information area including transaction (or subscription) request information and customer information included in the electronic application information. And the transaction (or subscription) history information is further included in the transaction (or subscription) approval information according to the intention of a person skilled in the art, and the bank transaction (or subscription) application electronic document is the transaction (or subscription). It is preferable to further comprise a transaction (or subscription) history area for outputting the history information.

According to an embodiment of the present invention, the bank transaction (or subscription) application electronic document generated by the electronic document generation unit 755 may be an electronic data interchange (EDI) file, a portable document format (PDF) file, an HWP / DOC, or the like. It is preferable to include at least one or more word processing files, including at least one or a web document file containing the MHT, may include a separate electronic document file format according to the intention of those skilled in the art.

According to an embodiment of the present invention, the electronic document generation unit 755 is a bank transaction application electronic document generation unit 755 for generating a bank transaction application electronic document corresponding to the bank transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise a).

In addition, the electronic document generation unit 755 is an indirect investment product new subscription application electronic document for generating an indirect investment product new subscription application electronic document corresponding to the indirect investment product new subscription application of the bank transaction (or subscription) application electronic document. It is preferable that the generation unit 755 is further provided.

In addition, the electronic document generation unit 755 generates a foreign currency deposit transaction request electronic document generation unit 755 for generating a foreign currency deposit transaction application electronic document corresponding to a foreign currency deposit transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise.

Those skilled in the art will be able to infer various electronic document types for generating the bank transaction (or subscription) application electronic document in addition to the bank transaction (or subscription) application described above. It is evident that the present invention is characterized by electronic documentation of all inferred bank transaction (or subscription) applications.

When at least one bank transaction (or subscription) application electronic document is generated by the electronic document generation unit 755, the electronic document transmission unit 745 communicates the generated bank transaction (or subscription) application electronic document with a communication network. It is characterized in that for transmitting to the electronic document server (700).

According to the implementation method of the present invention, the electronic document transmission unit 745 is electronic signature information read from the customer IC card through the customer's electronic signature (for example, a card reader device) to the bank transaction (or subscription) application electronic document ) (Eg, attach an encrypted electronic document through a key corresponding to the electronic signature information), and attach the bank transaction (or subscription) application to which the electronic signature of the customer is attached to the electronic document server 700. It is desirable to send to.

According to one embodiment of the invention, the electronic document server 700 is preferably provided in the bank, thereby the present invention is not limited.

According to another embodiment of the present invention, the electronic document server 700 is preferably provided in the electronic document storage certified outside the bank, whereby the present invention is not limited.

According to the present invention, the electronic document server 700 is provided with an electronic document D / B 720 for storing a bank transaction (or subscription) application electronic document transmitted from the electronic application terminal 765. The electronic document D / B 720 is an electronic document for managing a bank transaction (or subscription) application electronic document received from the electronic application terminal 765 and the bank transaction (or subscription) application electronic document. The management information may be stored in the electronic document D / B 720 in association with each other.

Here, the electronic document management information is an electronic document identification code for managing the bank transaction (or subscription) application electronic document stored in the electronic document D / B 720, the bank transaction (or subscription) application electronic document type Electronic document type code information for identifying the information, bank code information (branch code information, electronic application terminal 765 information, teller information) sending the bank transaction (or subscription) application electronic document, the electronic document D / B At least one document storage date and time information storing the bank transaction (or subscription) application electronic document is preferably included in 720.

Referring to FIG. 7, the electronic document server 700 includes an electronic document receiving unit 705 for receiving at least one bank transaction (or subscription) application electronic document from the electronic application terminal 765 through a communication network, and An information generation unit 710 for generating electronic document management information corresponding to the received bank transaction (or subscription) application electronic document, and the electronic document management information and the bank transaction (or subscription) application electronic document in association with each other; And an electronic document storage unit 715 for storing in the electronic document D / B 720.

The electronic document receiving unit 705 receives at least one bank transaction (or subscription) application electronic document generated from the window terminal 770 through the communication network, and the bank transaction (or subscription) application electronics. The document comprises a document information area including transaction (or subscription) request information and customer information included in the electronic application information, and the transaction (or subscription) approval information in accordance with the intention of the skilled person When the (or subscription) history information is further included, the bank transaction (or subscription) application electronic document further includes a transaction (or subscription) history area for outputting the transaction (or subscription) history information.

According to the method of the present invention, the bank transaction (or subscription) electronic document is a word processor file including at least one or more EDI (Electronic Data Interchange) files, Portable Document Format (PDF) files, HWP / DOC, etc., or It is preferable to include at least one web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

According to an embodiment of the present invention, the electronic document generation unit 755 is a bank transaction application electronic document generation unit 755 for generating a bank transaction application electronic document corresponding to the bank transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise a).

In addition, the electronic document generation unit 755 is an indirect investment product new subscription application electronic document for generating an indirect investment product new subscription application electronic document corresponding to the indirect investment product new subscription application of the bank transaction (or subscription) application electronic document. It is preferable that the generation unit 755 is further provided.

In addition, the electronic document generation unit 755 generates a foreign currency deposit transaction request electronic document generation unit 755 for generating a foreign currency deposit transaction application electronic document corresponding to a foreign currency deposit transaction application of the bank transaction (or subscription) application electronic document. It is preferable to further comprise.

Those skilled in the art will be able to infer various electronic document types for generating the bank transaction (or subscription) application electronic document in addition to the bank transaction (or subscription) application described above. It is evident that the present invention is characterized by electronic documentation of all inferred bank transaction (or subscription) applications.

When the bank transaction (or subscription) application electronic document is received by the electronic document receiving unit 705, the information generation unit 710 identifies an electronic document for managing the received bank transaction (or subscription) application electronic document. Code, electronic document type code information for identifying the bank transaction (or subscription) application electronic document type, bank code information (branch code information, electronic application terminal 765) for transmitting the bank transaction (or provisional) application electronic document (765) Information, counter staff information), and electronic document management information including at least one document storage date and time information for storing the bank transaction (or subscription) application electronic document in the electronic document D / B 720. It is done.

The electronic document storage unit 715 associates the bank transaction (or subscription) application electronic document received through the electronic document receiving unit 705 with electronic document management information generated through the information generating unit 710 to perform the processing. The electronic document is stored in the D / B 720.

8A and 8B illustrate a process of generating a bank transaction (or subscription) application electronic document according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate the transaction (or subscription) request information and the customer input through the electronic application terminal 765 on the electronic document system for the bank transaction (or subscription) application shown in FIG. A process for generating a bank transaction (or subscription) application electronic document including information on an electronic application including information. If a person of ordinary skill in the art belongs to the present invention, refer to FIGS. 8A and 8B. And / or may be modified to infer various implementation methods for the process of generating the bank transaction (or subscription) application electronic document, but the present invention includes all the inferred implementation methods, this figure 8a The technical features are not limited only to the implementation method illustrated in FIG. 8B.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b, and an electronic document generation server on a communication network connected to the electronic application terminal 765 (not shown). In the electronic application terminal 765 can be inferred the process of generating a bank transaction (or subscription) application electronic document containing the electronic application information input, the present invention includes all the inferred implementation method Characterized in that made.

8A and 8B, the electronic application terminal 765 on the electronic document system for the bank transaction (or subscription) application shown in FIG. 7 may have number table information inputted to perform an electronic application information input procedure, or Check whether it is received or generated (800).

According to an embodiment of the present invention, when a separate number tag device (not shown) is provided outside the electronic application terminal 765, the electronic application terminal 765 inputs the number information via the key input device. Preferably, the electronic application input procedure is performed.

According to another exemplary embodiment of the present invention, when a separate number tag device (not shown) is provided outside the electronic application terminal 765, and the number tag device (not shown) is connected to the electronic application terminal 765, Preferably, the electronic application terminal 765 receives the new number information from the number tag device (not shown).

According to another exemplary embodiment of the present invention, when the electronic ticket terminal 765 is provided with a number tag generation function, the electronic request terminal 765 allocates new number information and thus the electronic application input procedure is performed. It is preferable.

According to another embodiment of the present invention, when the electronic information terminal 765 reads the customer information from the customer's account (or cash card, debit card, check card) through the card reader device, input the number table information Preferably, the electronic application input procedure is performed by receiving new number information from an external numbering device (not shown), or internally generating the numbering information.

If the number table information is input, received, or generated (805), the electronic application terminal 765 outputs an application input interface, and the customer information to be applied for the transaction (or subscription) is input through the application input interface. Alternatively, the electronic application terminal 765 checks whether the customer information is read from the customer's account (or cash card, debit card, check card) through a card reader device (810).

If the customer information is input or the customer information is read (815), the electronic application terminal 765 checks whether the transaction (or subscription) request information is input through the application input interface (820).

According to an embodiment of the present invention, the transaction (or subscription) request information may include at least one request code information corresponding to the paper application, at least one applicant information corresponding to each application code information, and target financial product information. desirable.

If the transaction (or subscription) request information is input through the application input interface (825), the electronic application terminal 765 is the number table information in the electronic application information including the customer information and the transaction (or subscription) request information And store (830) by assigning (or appending) to the terminal 770 (or the number control device) to determine whether financial transaction target number table information is received (835).

If the financial transaction target number table information is received from the teller terminal 770 (or the number tag control device) (840), the electronic application terminal 765 sends the electronic application information corresponding to the financial transaction target number table information to the teller terminal. In operation 850, the terminal 770 checks whether the financial transaction approval information corresponding to the electronic application information is received from the counter terminal 770.

According to an embodiment of the present invention, the teller terminal 770 which has received the electronic application information is connected with a financial system based on the customer information and transaction (or subscription) request information included in the electronic application information. And process the financial transaction corresponding to the financial transaction, and provide financial transaction approval information corresponding to the financial transaction processing result to the electronic application terminal 765 after the financial transaction processing.

According to an embodiment of the present invention, the financial transaction approval information may further include financial transaction history information corresponding to the electronic application information.

If financial transaction approval information corresponding to the electronic application information is received (855), the electronic application terminal 765 generates a bank transaction (or subscription) application electronic document including the electronic application information (860).

According to an embodiment of the present invention, the bank transaction (or subscription) application electronic document may include the transaction (or subscription) request information and customer information included in the electronic application information. Characterized in that it comprises a document information area, if the financial transaction approval information is further included in the financial transaction approval information according to the intention of those skilled in the art, the bank transaction (or subscription) application electronic document is the financial transaction history information It is preferably made further comprises a transaction (or subscription) details area for outputting.

According to the method of the present invention, the bank transaction (or subscription) electronic document is a word processor file including at least one or more EDI (Electronic Data Interchange) files, Portable Document Format (PDF) files, HWP / DOC, etc., or It is preferable to include at least one web document file including MHT, and may include a separate electronic document file format according to the intention of those skilled in the art.

According to the implementation method of the present invention, the bank transaction (or subscription) electronic document is a bank transaction application electronic document corresponding to the bank transaction application, indirect investment product new subscription application electronic document corresponding to the new indirect investment product application, foreign currency It is preferable to include at least one foreign currency deposit transaction application electronic document corresponding to the deposit transaction application.

Those skilled in the art will be able to infer various types of electronic documents in addition to the bank transaction (or subscription) application electronic document described above, and the present invention may infer all bank transactions (or subscriptions) inferred from the above. It is clear that this is done, including the requesting electronic documents.

If the bank transaction (or subscription) application electronic document is generated (865), the electronic application terminal 765 stores the generated bank transaction (or subscription) application electronic document, or via the communication network the electronic document server In step 870, the bank transaction (or subscription) application electronic document is transmitted.

9 is a diagram illustrating a process of storing a bank transaction (or subscription) application electronic document in an electronic document repository according to another embodiment of the present invention.

In more detail, Figure 9 shows the bank transaction (or subscription) application electronics shown in Figures 8a and 8b in the electronic application terminal 765 on the electronic document system for the bank transaction (or subscription) application shown in Figure 7 When the bank transaction (or subscription) application electronic document generated through the document generation process is transmitted, the electronic document server 700 generates electronic document management information corresponding to the bank transaction (or subscription) application electronic document, and the electronic This document relates to document management information and a bank transaction (or subscription) application electronic document, which is stored in an electronic document D / B 720. If a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. 9 and / or modified to infer various implementation methods for the process of storing the bank transaction (or subscription) application electronic document in the electronic archives, but the present invention It is made, including any exemplary way in which the inference, it is not limited that the technical features of only the exemplary method shown in the figure 9.

Referring to FIG. 9, an electronic application terminal 765 on the electronic document system for the bank transaction (or subscription) application shown in FIG. 7 is applied to the bank transaction (or subscription) application electronic document shown in FIGS. 8A and 8B. If a bank transaction (or subscription) application electronic document is generated through the generation process, and the generated bank transaction (or subscription) application electronic document is transmitted to the electronic document server 700 through a communication network (900), the electronic document The server 700 receives the bank transaction (or subscription) application electronic document, and transmits the bank code information (branch code information, electronic application terminal) 765) information, teller information) and read the received bank transaction (or subscription) electronic document to read the electronic document type code for the bank transaction (or subscription) electronic document. Check the information, and (910), the bank (or subscription) application to create an electronic document identification code and document information temporarily stored in the electronic document (915).

Then, the electronic document server 700 is an electronic document identification code, bank code information (branch code information, electronic application terminal 765 information, teller information) for the bank transaction (or subscription) application electronic document, electronic document In operation 920, electronic document management information including at least one of type code information and document storage date and time information is generated.

If the electronic document management information is generated (925), the electronic document server 700 connects the bank transaction (or subscription) application electronic document and the electronic document management information to the electronic document D / B 720. In operation 930, the bank transaction (or subscription) application electronic document storage result is transmitted to the electronic application terminal 765 through the communication network (935).

10A and 10B are views illustrating a banking application electronic document structure among bank transaction (or subscription) applications according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate a bank transaction (or subscription) application electronic shown in FIGS. 8A and 8B in an electronic application terminal on an electronic document system for the bank transaction (or subscription) application shown in FIG. The bank transaction application electronic document generated through the document generation process is an example of a bank transaction application electronic document, and a person having ordinary knowledge in the technical field to which the present invention belongs may refer to FIGS. 10A and 10B. And / or may be modified to infer various implementation methods for the banking application electronic document structure in the banking application (or subscription) application, but the present invention includes all the inferred implementation methods, this figure 10a The technical features are not limited only to the implementation method illustrated in FIG. 10B.

10A and 10B, among the bank transaction (or subscription) electronic documents, the bank transaction application electronic document may include at least one transaction bank, a branch, an electronic application terminal, and at least one employee in charge. ), The applicant's segment (1005) including at least one applicant's name, social security number, nationality, passport number, address, mobile phone, workplace, department / position, telephone number, e-mail address, and seal / signature; Customer value segment (1010) including at least one or more of receiving a message, no phone call, occupation, marriage classification, annual income, dual income, housing classification, housing type, family information, vehicle ownership, vehicle number, corporation number, business type, maximum Corporate / Group segment including at least one shareholder's name, representative's name, social security number, and telephone number, subscription product name, subscription amount / monthly savings, contract period, payment date, interest payment method / red A subscription product segment (1020) comprising at least one method, a payment automatic transfer account account, a maturity automatic transfer account account, and a card application segment including at least one card type, English name, limit amount, electronic account alias, and card recipient ( 1025), electronic financial application segment, electronic financial application channel, withdrawal account, security media, SMS notification, transfer limit, security card recipients including at least one recipient; Automated device application segment (1035) comprising a, customer number, name, real name number, transaction date, transaction time, terminal number, operator, personality, taxation, solicitor, product name, account number, tax treatment at least one Transaction / subscription history segment (1040), direct debit segment (1045) including at least one or more between the account transfer, payer direct debit, transaction history notification, and resident registration location At least one housing subscription segment 1050 including at least one housing type, a housing subscription application area, and a depositor, and at least one real name verification segment 1055 including a real name verification power of attorney. It is possible to further comprise at least one or more segments as illustrated in FIGS. 10A and 10B.

The transaction bank segment 1000 stores a segment identifier for identifying the transaction bank segment 1000 on the bank transaction application electronic document, the bank transaction application, and provides a financial service corresponding to the bank transaction application. It is preferable to include at least one transaction bank identifier and transaction bank information, branch identifier and branch information, electronic application terminal identifier and electronic application terminal information, employee number identifier and employee number information of the teller.

The applicant segment 1005 may include a segment identifier for identifying the applicant segment 1005 on the bank transaction application electronic document, an applicant name identifier and an applicant name, a social security number identifier, a social security number information, a nationality identifier, a nationality information, and a passport number identifier. And passport number information, address identifier and address information, mobile phone identifier and mobile phone, work identifier and work information, department / position identifier and department / position information, telephone number identifier and phone number information, email address identifier and email address information, and seal It is preferable to include at least one / signature identifier and seal / signature information.

According to the embodiment of the present invention, the applicant segment 1005 preferably further comprises a digital signature of the applicant input through a sign pad device provided in the electronic application terminal.

The customer value segment 1010 may include a segment identifier for identifying the customer value segment 1010 on the bank transaction request electronic document, a mail receipt identifier, mail receipt information, mail receipt identifier, mail reception information, a message reception identifier, Message reception information, call prohibited identifier and call prohibited information, job identifier and job information, marriage classification identifier and marriage classification information, annual income identifier and annual income information, dual income identifier and dual income information, residential classification identifier and housing classification information, housing type identifier and At least one housing type information, family information identifier and family information, vehicle ownership identifier and vehicle ownership information, vehicle number identifier and vehicle number information is preferably included.

The corporation / group segment may include a segment identifier for identifying the corporation / group segment on the bank transaction request electronic document, a corporation number identifier and a corporation number information, an industry type identifier and an industry type information, a maximum shareholder identifier and a maximum shareholder information, and a representative name. At least one identifier, representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information is preferably made.

The subscription product segment 1020 may include a segment identifier for identifying the subscription product segment 1020 on the bank transaction request electronic document, a subscription product name identifier and subscription product name information, a subscription amount / monthly savings identifier and a subscription amount / monthly savings Information, contract term identifier and contract term information, payment date identifier and payment date information, interest payment method / interest method identifier, interest payment method / establishment method information, automatic payment system account identifier and automatic payment system account information, maturity automatic system account identifier and It is preferable to include at least one or more information of the maturity automatic transfer account.

The card request segment 1025 may include a segment identifier for identifying the card request segment 1025 on the bank transaction request electronic document, a card type identifier and card type information, an English name identifier and an English name information, a limit amount identifier, It is preferable to include at least one limit amount information, electronic account alias identifier and electronic account alias information, card recipient identifier and card recipient information.

The electronic banking application segment 1030 may include a segment identifier for identifying the electronic banking application segment 1030 on the bank transaction application electronic document, an electronic banking type identifier and electronic banking type information, an electronic banking application channel identifier, and an electronic banking unit. At least one application channel information, withdrawal account identifier and withdrawal account information, security medium identifier and security medium information, SMS notification identifier and SMS notification information, transfer limit identifier and transfer limit information, security card recipient identifier and security card recipient information It is preferable to make it.

The automated device application segment 1035 may include a segment identifier for identifying the automated device application segment 1035 on the bank transaction request electronic document, an automatic device transaction type identifier, an automatic device transaction type information, a limit amount identifier, and a limit amount. It is preferable to include information.

The transaction / subscription segment 1040 may include a segment identifier for identifying the transaction / subscription segment 1040 on the bank transaction request electronic document, a customer number identifier, a customer number information, a name identifier and a name information, a real name number. Identifier and real name number information, transaction date identifier and transaction date information, transaction time identifier and transaction time information, terminal number identifier and terminal number information, operator identifier and operator information, personality identifier and personality information, taxation identifier and taxation information, solicitor It is preferable that the identifier and the owner information, product name identifier and product name information, account number identifier and account number information, tax treatment identifier and tax treatment information at least one or more.

The direct debit segment 1045 includes a segment identifier for identifying the debit segment 1045 on the bank transaction request electronic document, a debit identifier between accounts, direct debit information between accounts, a payer debit identifier, and a payer direct debit. At least one information, a transaction history notification identifier and transaction history notification information is preferably included.

The housing offer segment 1050 includes a segment identifier for identifying the housing offer segment 1050 on the bank transaction request electronic document, a resident registration location identifier and resident registration location information, a housing type identifier, a housing type information, and a housing offer application area. It is preferable to include at least one of the identifier, the housing subscription area information, the account holder identifier and the account holder information.

The real name verification segment 1055 preferably includes a segment identifier for identifying the real name verification segment 1055 on the bank transaction request electronic document, a real name verification power of attorney identifier and real name verification power of attorney information.

According to the present embodiment, each segment identifier and information identifier constituting the bank transaction request electronic document uses an identifier supported by the bank transaction request electronic document format.

For example, if the bank transaction request electronic document is an electronic data interchange (EDI) file, the segment identifier and the information identifier may be defined using the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is preferable.

Alternatively, if the bank transaction request electronic document is a Portable Document Format (PDF) file, the segment identifier and the information identifier may be defined by using an identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is preferable.

Or, if the banking application electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format; It is preferable to define and use as an information identifier.

Alternatively, if the bank transaction request electronic document is a web document file including an MHT, the segment identifier and the information identifier may be defined by using an identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is preferable.

11 is a diagram illustrating an electronic document structure for applying for a new indirect investment product in a bank transaction (or subscription) application according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a process for generating an electronic document for bank transaction (or subscription) shown in FIGS. 8A and 8B in an electronic application terminal on an electronic document system for a bank transaction (or subscription) application shown in FIG. An example of an electronic document for signing up for an indirect investment product, which is a bank transaction (or subscription) application electronic document generated by the present invention, and has a general knowledge in the technical field to which the present invention pertains, refer to FIG. 11 and / or It is possible to infer various implementation methods for the electronic document structure of the indirect investment product new subscription application in the bank transaction (or subscription) application, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 11, the indirect investment product new subscription application electronic document among the bank transaction (or subscription) application electronic documents may include at least one transaction bank, a branch, an electronic application terminal, and at least one employee in charge (1100). ), The applicant's segment (1105) including at least one applicant's name, social security number, nationality, passport number, address, mobile phone, workplace, department / position, telephone number, e-mail address, and seal / signature; Customer value segment 1110 including at least one or more of receiving a message, prohibiting a call, occupation, marriage classification, annual income, dual income, housing classification, housing type, family information, vehicle ownership, and vehicle number; Corporate / group segment (1115) containing at least one shareholder's name, representative's name, social security number, and telephone number, fund name (product name), tax breaks / tax exemptions, reinvestment status, periodic balance notification Investment product segment (1120) including at least one of receipt of management report, initial investment amount, consolidated account number, monthly transfer amount, transfer system number, account holder, start date of debit, end date of debit, debit period, and date of debit. It characterized in that it comprises at least one or more, it is possible to further comprise at least one or more segments as illustrated in Figure 11 in the intention of those skilled in the art.

The trading bank segment 1100 receives a segment identifier for identifying the trading bank segment 1100 and the indirect investment product new application on the electronic document for registering the indirect investment product new subscription, and newly registers the indirect investment product. It comprises at least one transaction bank identifier and transaction bank information, branch identifier and branch information, electronic application terminal identifier and electronic application terminal information, employee number identifier and employee number information of the teller provided the financial service corresponding to the application. It is preferable.

The applicant segment 1105 may include a segment identifier for identifying the applicant segment 1105 on the indirect investment product new subscription application electronic document, an applicant name identifier, an applicant name, a social security number identifier, social security number information, nationality identifier and nationality information, Passport Number Identifier and Passport Number Information, Address Identifier and Address Information, Cell Phone Identifier and Mobile Phone, Work Identifier and Work Information, Department / Title Identifier and Department / Title Information, Telephone Number Identifier and Phone Number Information, Email Address Identifier and Email Address Information And at least one seal / signature identifier and seal / signature information.

According to an embodiment of the present invention, the applicant segment 1105 preferably further comprises a digital signature of the applicant input through a sign pad device provided in the electronic application terminal.

The customer value segment 1110 may include a segment identifier for identifying the customer value segment 1110 on the indirect investment product new subscription request electronic document, a mail receiving identifier and mail receiving information, a mail receiving identifier and mail receiving information, and a message. Receiving Identifier and Message Reception Information, Call Prohibition Identifier and Call Prohibition Information, Occupation Identifier and Job Information, Marriage Identifier and Marriage Identification Information, Annual Income Identifier and Annual Income Information, Dual Earning Identifier and Dual Earning Information, Residential Identifier and Housing Identification Information, Housing It is preferable to include at least one or more of the type identifier and housing type information, family information identifier and family information, vehicle ownership identifier and vehicle ownership information, vehicle number identifier and vehicle number information.

The corporation / group segment 1115 may include a segment identifier for identifying the corporation / group segment 1115 on the indirect investment product new subscription request electronic document, a corporation number identifier, a corporation number information, an industry type identifier, an industry type information, and a maximum At least one of the stockholder identifier and the largest shareholder information, representative name identifier and representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information is preferably made.

The investment product segment 1120 may include a segment identifier for identifying the investment product segment 1120 on the indirect investment product new subscription application electronic document, a fund name (product name) and fund name (product name) information, and a tax preferential / non-taxable identifier. And preferential tax / non-taxation information, reinvestment status identifier and reinvestment status information, periodic statement identifier and periodic statement statement information, management report receipt identifier and management report receipt information, initial investment amount identifier and initial investment amount information, linked account number identifier and Consolidated account number information, monthly transfer amount identifier and monthly transfer amount information, transfer system identifier number and transfer system number information, account holder identifier and account holder information, debit start date identifier and debit start date information, debit end date identifier and end date of debit , Debit cycle identifier, debit cycle information, and debit date identification And it is a debit date information preferably comprises at least one.

According to the present embodiment, each segment identifier and information identifier constituting the indirect investment product new subscription application electronic document uses an identifier supported by the indirect investment product new subscription application electronic document format.

For example, if the indirect investment product new application request electronic document is an EDI file, the segment identifier and the information identifier set the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is preferable to use it by

Alternatively, if the indirect investment product new subscription request electronic document is a PDF (Portable Document Format) file, the segment identifier and the information identifier define an identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is preferable to use.

Alternatively, if the indirect investment product new subscription request electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format. It is preferable to define and use the identifier or the information identifier.

Alternatively, if the indirect investment product new subscription application electronic document is a web document file including MHT, the segment identifier and the information identifier define the identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is preferable to use.

12A and 12B illustrate an electronic document structure of a foreign currency deposit transaction application in a bank transaction (or subscription) application according to another embodiment of the present invention.

12A and 12B illustrate the bank transaction (or subscription) application electronics shown in FIGS. 8A and 8B in an electronic application terminal on the electronic document system for the bank transaction (or subscription) application illustrated in FIG. An example of a foreign currency deposit transaction electronic document among the bank transaction (or subscription) application electronic documents generated through the document generation process, and a person having ordinary knowledge in the technical field to which the present invention belongs, While reference and / or modification may infer various implementation methods for the foreign currency deposit transaction application electronic document structure in the bank transaction (or subscription) application, the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIGS. 12A and 12B.

12A and 12B, among the bank transaction (or subscription) electronic documents, the foreign currency deposit transaction electronic document may include a transaction bank segment including at least one bank, a branch office, an electronic application terminal, and an employee in charge. 1200) and the application details including at least one customer number, name, real name number, transaction date, terminal number, operator, nationality, personality, taxation, deposit details, residence classification, solicitor, account number, subject, currency code Segment (1205), account holder's Korean name, account holder's English name, social security number, passport number, address, mobile phone, workplace, department / position, phone number, deposit information sent, e-mail address, nationality, tax code, business classification, trader classification, Applicant segment 1210 including at least one seal / signature, and corporation / group segment including at least one corporate number, type of business, largest shareholder, representative's name, social security number, and telephone number (12) 15) foreign currency deposit segment 1220 including at least one of currency, amount, contract period, deposit type, interest payment, and account type, contents of automatic deposit, amount of reload, number of reloads, one-time deposit At least one automatic reloading segment 1225 including at least one period, and at least one real name verification segment 1230 including at least one agent, name, social security number, address, relationship with me, nationality, and delegate. It is possible to further comprise at least one segment as illustrated in FIGS. 12a and 12b at the intention of the skilled person.

The transaction bank segment 1200 stores a segment identifier for identifying the transaction bank segment 1200 on the foreign currency deposit transaction request electronic document, the foreign currency deposit transaction application form, and corresponds to the foreign currency deposit transaction application form. It is preferable that the transaction bank identifier and transaction bank information provided, the branch identifier and branch information, the electronic application terminal identifier and electronic application terminal information, at least one or more employee number identifier and employee number information of the teller.

The application details segment 1205 may include a segment identifier for identifying the application details segment 1205 on the foreign currency deposit transaction request electronic document, a customer number identifier and a customer number information, a name identifier and a name information, a real name number identifier and a real name. Number information, transaction date identifier and transaction date information, terminal number identifier and terminal number information, operator identifier and operator information, nationality identifier and nationality information, personality identifier and personality information, taxation identifier and taxation information, deposit tax identifier and deposit details At least one information, residence classification identifier and residence classification information, solicitor identifier and residence classification information, account number identifier and account number information, subject identifier and subject information, currency code identifier and currency code information is preferably included.

The applicant segment 1210 may include a segment identifier for identifying the applicant segment 1210 on the foreign currency deposit transaction request electronic document, an account holder Korean name identifier, an account holder Korean name information, an account holder English name identifier, an account holder English name information, and a social security number. Identifier and social security number information, passport number identifier and passport number information, address identifier and address information, mobile phone identifier and mobile phone information, work identifier and job information, department / position identifier and department / position information, telephone number identifier and telephone number information, deposit Information sending identifier and deposit information sending information, mail address identifier and email address information, nationality identifier and nationality information, taxation code identifier and taxation code information, industry classification identifier and industry classification information, trader identification identifier and trader identification information, seal / signature Include at least one identifier and seal / signature information Be made of W are preferred.

According to an embodiment of the present invention, the applicant segment 1210 may further include a digital signature of the applicant input through a sign pad device provided in the electronic application terminal.

The corporation / group segment 1215 may include a segment identifier for identifying the corporation / group segment 1215 on the foreign currency deposit transaction electronic document, a corporation number identifier, a corporation number information, an industry type identifier, an industry type information, and a largest shareholder identifier. And at least one of the largest shareholder information, representative name identifier and representative name information, social security number identifier and social security number information, telephone number identifier and telephone number information.

The foreign currency deposit segment 1220 may include a segment identifier for identifying the foreign currency deposit segment 1220 on the foreign currency deposit transaction electronic document, a currency identifier and currency information, an amount identifier and an amount information, a contract term identifier, and a contract term information. It is preferable to include at least one deposit type identifier and deposit type information, interest payment identifier and interest payment classification information, account type identifier and account type information.

The automatic reload segment 1225 may include a segment identifier for identifying the automatic reload segment 1225 on the foreign currency deposit transaction electronic document, an automatic reload content identifier, automatic reload content information, and a reload amount identifier. Preferably, the re-deposit amount information, re-deposit number identifier and re-deposit number information, one-time re-deposit period identifier and one-time re-deposit period information.

The real name verification segment 1230 is a segment identifier for identifying the real name verification segment 1230 on the foreign currency deposit transaction electronic document, agent identifier and agent information, name identifier and name information, social security number identifier and social security number information, address It is preferable to include at least one of identifier and address information, relationship between me and identifier, relationship between me, national identifier and nationality information, delegator identifier and delegate information.

According to the present embodiment, each segment identifier and information identifier constituting the foreign currency deposit transaction request electronic document uses an identifier supported by the foreign currency deposit transaction request electronic document format.

For example, if the foreign currency deposit transaction request electronic document is an EDI (Electronic Data Interchange) file, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the EDI document format as the segment identifier or the information identifier. It is desirable to.

Or, if the foreign currency deposit transaction request electronic document is a Portable Document Format (PDF) file, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the PDF document format as the segment identifier or the information identifier. It is desirable to.

Or, if the foreign currency deposit transaction request electronic document is a word processor file including at least one of HWP / DOC, etc., the segment identifier and the information identifier include an identifier (or a tag) defined in the word processor document format; Alternatively, it is preferable to use the information identifier.

Alternatively, if the foreign currency deposit transaction request electronic document is a web document file including the MHT, the segment identifier and the information identifier are defined by using the identifier (or tag) defined in the web document format as the segment identifier or the information identifier. It is desirable to.

According to the present invention, after generating various bank transaction (or subscription) application electronic document for each bank branch (or branch), or generating various bank transaction (or subscription) application electronic document for each window of the bank branch (or branch) By storing the bank transaction (or subscription) application electronic document in an electronic document repository, there is an advantage of managing the electronic document application without storing the paper application for a certain period of time.

According to the present invention, an advantage of conveniently managing a bank transaction (or subscription) application electronic document stored in an electronic document store through a bank transaction (or subscription) application electronic document including information necessary for application management in addition to the conventional application image. There is this.

Claims (10)

At least one bank transaction (or subscription) request information corresponding to the application information included in the bank transaction (or subscription) application for a new bank transaction (or financial instrument subscription) application; And an electronic document including an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the at least one or more transaction (or subscription) request information through a communication network, or combining into at least one computer edited document. , The electronic document, A transaction bank segment comprising transaction bank information and a corresponding identifier for processing a new bank transaction (or financial instrument subscription) corresponding to the bank transaction (or subscription) application; And Applicant segment comprising the applicant information and the corresponding identifier for applying for a new bank transaction (or financial instrument subscription) corresponding to the bank transaction (or subscription) application; bank transaction (or subscription) application characterized in that it comprises a Electronic documents. The method of claim 1, wherein the electronic document, And an image content segment comprising an image content and an image content identifier for scanning a paper application corresponding to the bank transaction (or subscription) application. The method of claim 2, wherein the image content segment comprises: And a signature (or seal) image area of the applicant applying for a new bank transaction (or subscription to a financial instrument) through the bank transaction (or subscription) application. The segment of claim 1, wherein the segment is an application. And a digital signature of the applicant applying for the new bank transaction (or financial instrument subscription). The method of claim 1, wherein the electronic document, An electronic document for bank transaction (or subscription) application, comprising at least one banking application electronic document, a new application for subscription of indirect investment product, and an electronic document for foreign currency deposit transaction application. The method of claim 5, wherein the bank transaction application electronic document, Mail receipt information, mail reception information, message reception information, telephone prohibition information, job information, marriage classification information, annual income information, dual income information, housing classification information, housing type information, family information, vehicle ownership information, vehicle number information A customer value segment that includes one or more and includes an identifier for each information item; A corporation / group segment including at least one of corporation number information, industry type information, largest shareholder information, representative name information, social security number information, and phone number information, and including an identifier for each information item; Include at least one item name information, subscription amount / monthly savings information, contract period information, payment date information, interest payment method / accumulation method information, payment automatic transfer account information, maturity automatic transfer account information, each identifier of each information item A subscription product segment comprising; A card application segment including at least one of card type information, English name information, limit amount information, electronic account alias information, and card recipient information, and including an identifier for each information item; Electronic financial application segment including at least one type of electronic financial information, electronic financial application channel information, withdrawal account information, security media information, SMS notification information, transfer limit information, security card recipient information, and an identifier for each information item ; An automated device application segment including at least one automated device transaction type information and limit amount information, and including an identifier for each information item; At least one of customer number information, name information, real name number information, transaction date information, transaction time information, terminal number information, operator information, personality information, taxation information, solicitor information, product name information, account number information, tax preferential information A transaction / subscription segment comprising an identifier for each information item; A direct debit segment including at least one or more information between accounts, payer direct debit information, and transaction history notification information, and including an identifier for each information item; A housing offer segment including at least one of resident registration location information, housing type information, housing offer application area information, and account holder information, and including an identifier for each information item; And And a real name verification segment including real name verification power of attorney information and an identifier for each information item. The electronic document of claim 5, wherein the indirect investment product new registration application document is Mail receipt information, mail reception information, message reception information, telephone prohibition information, job information, marriage classification information, annual income information, dual income information, housing classification information, housing type information, family information, vehicle ownership information, vehicle number information A customer value segment that includes one or more and includes an identifier for each information item; A corporation / group segment including at least one of corporation number information, industry type information, largest shareholder information, representative name information, social security number information, and phone number information, and including an identifier for each information item; And Fund name (trade name) information, tax treatment / non-taxation information, reinvestment information, periodic balance statement information, management report receipt information, initial investment amount information, consolidated account number information, monthly transfer amount information, transfer system information, account holder information, automatic Banking transaction comprising at least one; including at least one transfer start date information, automatic transfer end date information, automatic transfer cycle information, automatic transfer date information, and an investment product segment comprising an identifier for each information item (Or Sign Up) Application Electronic Documents. According to claim 5, The foreign currency deposit transaction electronic document, Customer number information, name information, real name number information, transaction date information, terminal number information, operator information, nationality information, personality information, taxation information, deposit details, residence classification information, solicitor information, account number information, subject information, A subscription segment including at least one call code information and including an identifier for each information item; Account holder's Korean name information, account holder's English name information, social security number information, passport number information, address information, mobile phone information, workplace information, department / position information, phone number information, deposit information sending information, e-mail address information, nationality information, tax code information Applicant segment including at least one or more, industry classification information, trader classification information, seal / signature information, and including an identifier for each information item; A corporation / group segment including at least one of corporation number information, industry type information, largest shareholder information, representative name information, social security number information, and phone number information, and including an identifier for each information item; A foreign currency deposit segment including at least one of currency information, amount information, contract term information, deposit type information, interest payment classification information, and account type information, and including an identifier for each information item; An automatic reloading segment including at least one piece of automatic reloading content information, reloading amount information, reloading count information, and one-time reloading period information, and including an identifier for each information item; And And at least one real name identification segment including at least one agent information, name information, social security number information, address information, relationship information, nationality information, and delegate information, and an identifier for each information item. Characterized by a bank transaction (or subscription) application electronic document. A key input unit for inputting at least one transaction (or subscription) request information corresponding to application information included in a bank transaction (or subscription) application for a new bank transaction (or financial product subscription) application; Bank transaction (or subscription) including an item-specific identifier corresponding to each transaction (or subscription) request information for transmitting the input at least one transaction (or subscription) request information through a communication network, or to combine into a computer-edited document. Subscription) an electronic document generation unit for generating an application electronic document; And And an electronic document transmission unit for transmitting the generated bank transaction (or subscription) application electronic document to an electronic document server on a communication network. The method of claim 10, wherein the key input unit, And receiving a digital signature of an applicant for inputting the transaction (or subscription) request information from a sign pad device.

Images