KR20090076858A - Method for financial transaction using phone number account - Google Patents

Abstract

A financial transaction method using a phone number account is provided for a banking program to convert automatically an inputted phone number into an account number including the phone number, thereby processing conveniently a wireless banking service. If a terminal device transmits payment number information, bill collecting cost information, and bill collecting number information including a serial number corresponding to a phone number structure in an account number system, a server receives the above information through a network(1105). After the server confirms whether a financial account corresponding to the account number is opened, the server confirms the validity of financial transaction of drawing bill collecting cost from a checked financial account(1110). The server processes the financial transaction of drawing the bill collecting cost from the financial account and depositing the bill collecting cost to the financial account corresponding to the bill collecting number information(1150).

Description

Financial transaction method using phone number account {Method for Financial Transaction using Phone Number Account}

1 is a diagram illustrating a system for opening a financial account in a face-to-face manner for opening a financial account including a telephone number according to an exemplary embodiment of the present invention.

2 is a diagram illustrating the structure of ledger information corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of opening a financial account including a phone number in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate a process of opening a financial account including a phone number in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial account including a telephone number in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face financial account opening system for opening a financial account including a phone number according to another exemplary embodiment of the present invention.

7 is a diagram illustrating the structure of ledger information corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening a financial account including a phone number in a non-face-to-face manner according to one embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account including a telephone number according to one embodiment of the present invention.

10 is a diagram illustrating a VM banking type financial transaction system for bank transfer transactions according to an embodiment of the present invention.

11 is a diagram illustrating a financial transaction process of a VM banking method for bank transfer transactions according to an embodiment of the present invention.

12 is a diagram illustrating a VM banking type financial transaction system for cash withdrawal transactions through a financial terminal according to an embodiment of the present invention.

13A and 13B are diagrams illustrating a financial transaction process of a VM banking method for cash withdrawal transactions through a financial terminal according to an exemplary embodiment of the present invention.

FIG. 14 is a diagram illustrating a VM banking type financial transaction system for a cash withdrawal transaction through a financial terminal according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a financial transaction process of a VM banking method for cash withdrawal transaction through a financial terminal according to another embodiment of the present invention.

16 is a diagram showing a payment system for payment using a telephone number according to an embodiment of the present invention.

17 is a diagram illustrating a financial transaction process of a VM banking method for payment using a telephone number according to an embodiment of the present invention.

18 is a diagram illustrating a payment system for payment using a phone number according to another embodiment of the present invention.

19 is a diagram illustrating a payment process for payment using a telephone number according to another embodiment of the present invention.

20 is a diagram illustrating a VM type collection transaction system for collection processing using a phone number according to an embodiment of the present invention.

FIG. 21 is a diagram illustrating a VM collection process for collecting money using a phone number according to an embodiment of the present invention.

<Description of main parts of drawing>

100: terminal device 105: customer wireless terminal

* 110: financial company server 115: interface unit

120: interface providing unit 125: information receiving unit

130: image receiving unit 135: validation unit

140: electronic document generation unit 145: electronic document transmission unit

150: information generating unit 155: account opening unit

160: program provider 165: communication company server

170: subscriber D / B 175: financial system

180: ledger D / B 185: electronic document server

190: electronic document receiving unit 192: information generating unit

194: Electronic document storage unit 196: Electronic document D / B

The present invention includes a serial number corresponding to a telephone number structure in a serial number area in an account number system including a point number, a subject, and a serial number when opening a financial account under a client's name on a server, including a telephone number or a date of the customer. Establishing a financial account, and transmitting a withdrawal number information, a collection amount information, and a collection number information including a serial number corresponding to the telephone number structure from a terminal device having a non-face-to-face financial transaction function; Receiving the withdrawal number information, collection amount information and collection number information through the server, the account number is generated by combining the withdrawal number information and the point number and the subject corresponding to the account number system in the server, the account number After confirming that a financial account corresponding to the bank is opened, the validity of the financial transaction to withdraw the deposit amount from the identified financial account In identifying the server and relate to financial transactions method using a telephone number account, comprising the step of processing the financial transactions that transfer to the financial account corresponding to the number pooling information to withdraw the amount of money collection from the financial accounts.

With the development of information and communication technology, wireless banking services of various non-face-to-face financial transactions using wireless terminals are provided, and the wireless banking services are connected to a predetermined wireless banking server through a predetermined wireless Internet in the wireless terminal. IC chip wireless banking that processes non-face-to-face financial transactions based on WAP (Wireless Application Protocol) wireless banking service that processes non-face-to-face financial transactions, and IC (Integrated Circuit) chips that store predetermined financial information. A service and a VM (Virtual Machine) wireless banking service for processing a predetermined non-face-to-face financial transaction through a predetermined banking program provided in the wireless terminal have been commercialized.

On the other hand, the wireless banking service has the advantage of being able to process non-face-to-face financial transactions anytime, anywhere, regardless of place and time, while the difficulty of key operation and the user interface is inconvenient due to the narrow user interface. .

In particular, the non-face-to-face financial transaction using the wireless banking service is required to enter while confirming with the naked eye 10 or more numbers one by one is a task that requires a lot of patience for the customer.

An object of the present invention for solving the above problems, when opening a financial account in the name of the customer at the server, the serial number-customer corresponding to the telephone number structure in the serial number area in the account number system including the point number, subject, serial number Opening a financial account including a telephone number or a date of year; and withdrawal number information and collection amount information including a serial number corresponding to the telephone number structure in a terminal apparatus having a non-face-to-face financial transaction function; When the collection number information is transmitted, receiving the withdrawal number information, the collection amount information and the collection number information through a communication network in a server, and combining the withdrawal number information and the point number and the subject corresponding to the account number system in the server Generate an account number, check whether a financial account corresponding to the account number is opened, and then, in the identified financial account, Verifying the validity of the financial transaction to withdraw the collection amount; and processing a financial transaction in which a server withdraws the collection amount from the financial account and deposits it into a financial account corresponding to the collection number information. To provide a financial transaction method used.

In the financial transaction method using the telephone number account according to the present invention, when opening a financial account in the customer's name on the server, a serial number corresponding to the telephone number structure in the serial number area in an account number system including a point number, a subject, and a serial number. -Opening a financial account including a telephone number of the customer or the date of the year; and withdrawal number information and collection amount information including a serial number corresponding to the telephone number structure in a terminal device having a non-face-to-face financial transaction function; And when the collection number information is transmitted, the server receives the withdrawal number information, the collection amount information and the collection number information through a communication network, and the server stores the withdrawal number information corresponding to the account number system in the withdrawal number information. Generate a bank account number, check whether a financial account corresponding to the bank account number is opened, and then verify the financial account. And verifying the validity of the financial transaction to withdraw the collection amount and processing the financial transaction to withdraw the collection amount from the financial account at the server and deposit the deposit amount into a financial account corresponding to the collection number information. It features.

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

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

In addition, the following examples will be used to appropriately modify, 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. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a system for opening a financial account in a face-to-face manner for opening a financial account including a telephone number according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates a financial account opening application (eg, an account) in which a predetermined customer includes at least one piece of predetermined customer information, an account opening phone number information, a telephone registration confirmation consent information, and a customer wireless terminal 105 information. If you fill out an application form and a telephone registration confirmation agreement, etc.) and submit it to a window provided at a predetermined financial institution, the financial institution includes the phone number based on the application information for opening the financial account corresponding to the application for opening the financial account. As a system configuration for opening a financial account for opening a financial account to those of ordinary skill in the art to which the present invention belongs, opening a financial account including a telephone number by referring to and / or modifying the drawing 1 It would be possible to infer various implementation methods for the configuration of a financial account opening system for the present invention. Includes all embodiments methods, it shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 1 to omit the method of implementing the method of storing the financial account opening electronic document in the electronic document storage. It may be inferred from the configuration, and also in the case where the electronic document opening electronic document is stored in the electronic document storage, the electronic document storage is provided in the DBMS located in the financial account opening system in addition to the implementation method shown in FIG. Although the disclosed method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the customer opens the financial account in response to the financial account opening application form and the financial account opening application information prepared by the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for generating a corresponding predetermined financial account opening electronic document and storing it in a predetermined electronic document repository are referred to as "financial company server 110" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a financial account opening system for opening a financial account including the telephone number includes a terminal including a counter terminal provided in at least one branch of a financial institution (or a branch). It characterized in that it comprises a device 100, the terminal device 100 is connected to the communication channel and the financial company server 110 provided on the financial account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to open a financial account including the telephone number, and through a window (or window) provided at the financial institution branch branch (branch branch). Application for opening a predetermined financial account for opening a financial account including the telephone number (e.g., a document with a form for filling in at least one information item for opening a financial account including the telephone number) In this case, it is preferable that the customer seal the seal of the customer's seal for the legal basis for the application for opening the financial account.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. At least one image content obtained in response to the application for opening a financial account, at least one of customer information, an account opening phone number information, a telephone registration confirmation consent information, and a customer wireless terminal 105 information written in the financial account opening application. The financial terminal server 110 is provided with (or selects) the application information for opening a financial account, and the counter terminal corresponding to the image content and the financial account opening application information is provided on the financial account opening system through the financial network. It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 110 is connected to the window terminal on the predetermined financial system 175 It is preferable to include a server (eg, ledger server, etc.) provided in the, the financial network connecting the teller terminal and the financial company server 110 is connected to the communication channel between the teller terminal and the financial company server 110 It is preferable to comprise a network.

In the financial account opening system as described above, an image acquisition device for acquiring image contents corresponding to a financial account opening application prepared by the customer, a teller terminal used by the employee, the teller terminal and the financial company server 110. The connecting financial network performs a function of a financial account opening interface for the customer to register financial account opening application information for opening a financial account including the phone number.

The financial company server 110 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 100 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the financial company server 110 is connected to the window terminal through a predetermined financial network 175. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the financial system 175, and / or a program provided in the external world on the financial system 175, Thereby, this invention is not limited.

According to the exemplary embodiment of the present invention, the financial company server 110 may include an interface unit 115 for connecting and managing a predetermined communication channel with the terminal device 100 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the interface unit 115 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server 110 includes the telephone number when a predetermined terminal device 100 connects a predetermined communication channel with the financial institution server 110 through the interface unit 115. Acquiring image contents corresponding to the financial account opening application prepared by the customer through a predetermined image acquisition device provided in the terminal device 100 to open a financial account, and opening a financial account corresponding to the financial account opening application. Generate (or extract) at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 110 and generating or extracting the user interface in association with the interface unit 115. The interface providing unit 120 to provide the terminal device 100 with the financial account through the user interface in the terminal device 100; Information receiving unit for receiving the financial account establishment application information transmitted from the terminal device 100 in connection with the interface unit 115 when inputting (or selecting) the financial account establishment application information corresponding to the application form; 125 and the interface unit 115 when the terminal apparatus 100 acquires and transmits image contents corresponding to the financial account opening application written by the customer through a predetermined image obtaining apparatus based on the user interface. And an image receiving unit 130 for receiving image contents corresponding to the application for opening a financial account.

The interface provider 120 connects the predetermined number of communication channels with the financial institution server 110 through the interface unit 115 and then transfers the phone number to the financial institution server 110. When requesting a user interface for opening a financial account, the device acquires image contents corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device provided in the terminal device 100, and opens the financial account. Generate (or select) at least one user interface for inputting (or selecting) financial account opening application information corresponding to the application to be transmitted to the financial institution server 110 through the financial network, and / or a predetermined database (not shown). Extracted from the user interface, and the generated (or extracted) user interface in conjunction with the interface unit 115 through the financial network. Characterized in that provided to the terminal device (100).

According to another exemplary embodiment of the present invention, the terminal apparatus 100 acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and opens a financial account corresponding to the financial account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 110 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial company server 110. Interface that generates (or extracts) an interface and provides it to the terminal device 100 The switch providing unit 120 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 100 provides financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 105 information through the user interface. And inputs (or selects) and transmits the input (or selected) financial account opening application information to the financial institution server 110 through the financial network. In response, the information receiving unit 125 transmits the interface unit 115. ) And the financial account establishment application information transmitted from the terminal device 100.

The customer information includes personal information of the customer who opens the financial account (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, and the member information of the customer (for example, the customer has the financial information). By signing up as a financial transaction customer of the institution, it is preferable to include at least one or more member ID information, or CIF (Customer Information File) number or the like provided in the customer ledger provided on the financial system 175.

Preferably, the account opening telephone number information includes predetermined telephone number information included in an account number generated in response to the financial account opening application, and the telephone number is used by the customer (or subscribed in the name of the customer). The telephone number corresponding to the landline telephone (or wireless telephone or fax) and the carrier information to which the landline telephone (or wireless telephone or fax, etc.) used by the customer (subscribed in the name of the customer) is subscribed. It is preferable to make it.

The telephone subscription confirmation consent information is linked to the communication company server 165 corresponding to the telephone number for opening the account at the financial institution in opening a predetermined financial account including the telephone number in response to the financial account opening request. Consent to confirm that the landline telephone (or wireless telephone or fax, etc.) corresponding to the telephone number for opening the account is the landline telephone (or wireless telephone or fax, etc.) used by the customer (or subscribed in the name of the customer). And / or approval.

The customer wireless terminal 105 information is a predetermined banking program for a financial transaction (or payment) using the financial account after a predetermined financial account including the phone number is opened in response to the application for opening the financial account. (E.g., a virtual machine for wireless banking, etc.), the wireless terminal information of the customer name to be mounted is preferably included.

According to one embodiment of the present invention, when the account opening telephone number includes a telephone number corresponding to a predetermined wireless telephone used by the customer (or subscribed under the name of the customer), The customer wireless terminal 105 information preferably comprises the same telephone number information.

According to another exemplary embodiment of the present invention, when the account opening telephone number includes a telephone number corresponding to a landline telephone (or fax) used by the customer (or subscribed under a client's name), the account opening telephone number is used. The telephone number and the customer wireless terminal 105 information may be different from each other, and the present invention is not limited thereto.

In addition, the terminal device 100 obtains the image content corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network. The image receiver 130 receives the image content corresponding to the financial account opening application in association with the interface unit 115.

According to another exemplary embodiment of the present invention, the terminal apparatus 100 acquires image contents corresponding to the application for opening a financial account created by the customer through a predetermined image obtaining apparatus and is provided in the terminal apparatus 100 ( Alternatively, when the terminal device 100 is previously stored in a predetermined storage device, the terminal apparatus 100 corresponds to an image corresponding to an application for opening a financial account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. A content is selected and transmitted to the financial institution server 110 through the financial network. In response thereto, the image receiving unit 130 connects to the interface unit 115 to provide image content corresponding to the financial account opening application form. It is desirable to receive.

According to another exemplary embodiment of the present invention, the terminal device 100 receives image content corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. When transmitting together, the information receiving unit 125 is linked with the interface unit 115, the image content corresponding to the financial account opening application, the customer information, account opening phone number information, telephone registration confirmation consent information and customers It is possible to receive financial account establishment application information including at least one information of the wireless terminal 105 (for example, the image receiving unit 130 is integrated into the information receiving unit 125 and operated), thereby providing the present invention. This is not limited.

Referring to FIG. 1, when the financial account opening request information transmitted from the terminal device 100 is received through the information receiving unit 125, the financial institution server 110 displays the received financial account opening request information. Characterized in that it comprises a validity verification unit 135 to confirm whether the validity for opening a financial account including a telephone number.

According to an embodiment of the present invention, the validity of the financial account opening application information is determined by a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 165 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

Referring to FIG. 1, the financial company server 110 receives the image content transmitted from the terminal device 100 through the image receiving unit 130, and opens the financial account through the validity checking unit 135. If the validity of the application information is authenticated, the electronic document generation unit 140 for generating a predetermined financial account opening electronic document including the received image content and the generated financial account opening electronic document to the financial account opening system And an electronic document transmission unit 145 for transmitting to the electronic document storage associated with the.

The electronic document generating unit 140 may generate a financial account opening electronic document including the image content received from the terminal device 100 through the image receiving unit 130.

According to the exemplary embodiment of the present invention, the electronic document generating unit 140 stores the phone number as it is and an image file including the image contents received from the terminal device 100 through the image receiving unit 130. It is preferable to process the electronic document for opening a financial account to include a financial account.

Alternatively, the electronic document generation unit 140 is included in the financial account opening application information received through the information receiving unit 125 in the image content received from the terminal device 100 through the image receiving unit 130. The phone number includes an image file corresponding to an image content including at least one of customer information, telephone number information for opening an account, information on signing up for confirmation, and consent information and customer wireless terminal 105 information in a watermarking manner. It is preferable to generate a financial account opening electronic document for opening a financial account including.

According to another exemplary embodiment of the present invention, the electronic document generating unit 140 includes a predetermined document file (eg, PDF) including the image content received from the terminal device 100 through the image receiving unit 130. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to generate a financial account opening electronic document for opening a financial account.

Alternatively, the electronic document generation unit 140 is included in the financial account opening application information received through the information receiving unit 125 in the image content received from the terminal device 100 through the image receiving unit 130. Create image content including at least one of customer information, phone number information for opening an account, confirmation of subscription to the telephone, and consent information and customer wireless terminal 105 information by a watermarking method, and generating the generated image content. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number.

According to another exemplary embodiment of the present invention, the electronic document generating unit 140 receives the image contents and the information receiving unit 125 received from the terminal device 100 through the image receiving unit 130. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing information on the application for opening a financial account, or an MHT It is preferable to generate a financial account opening electronic document for opening a financial account including the phone number) by generating a web document file, including).

Alternatively, the electronic document generation unit 140 is included in the financial account opening application information received through the information receiving unit 125 in the image content received from the terminal device 100 through the image receiving unit 130. Generate image content including at least one of customer information, telephone number information for opening an account, telephone subscription confirmation agreement information, and information of a customer wireless terminal 105 by a watermarking method; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the financial account opening application information, or an MHT. By generating a web document file, including), to create a financial account opening electronic document for opening a financial account containing the phone number; It is desirable.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 140, the technical features to generate a financial account opening electronic document of the image file format and / or a predetermined document file format, and the financial You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the account opening electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 145 transmits and stores the financial account opening electronic document generated by the electronic document generating unit 140 to a predetermined electronic document storage associated with the financial account opening system. .

As shown in FIG. 1, the electronic document repository is connected to a financial company server 110 on the financial account opening system with a predetermined electronic document server 185 and an electronic document D / B 196 through predetermined communication means. When provided to the outside, including the, the electronic document transmission unit 145 to the electronic document server 185 through the communication means for opening the electronic document created by the electronic document generation unit 140 Characterized in that the transmission.

Here, when the electronic document server 185 and the electronic document D / B 196 is provided outside the financial account opening system, the electronic document server 185 and the electronic document D / B 196 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 145 may generate the electronic document generation unit 140. It is possible to store a financial account opening electronic document in an electronic document D / B 196 corresponding to an electronic document storage on a DBMS provided in the financial account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 145 is electronic document related information for generating predetermined electronic document management information in the electronic document server 185 (eg, finance corresponding to the image content). Customer information on which an account opening application was made, and / or financial institution information transmitting the financial account opening electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial company server 110 has a validity for opening a financial account including the phone number through the validity checking unit 135 in which the financial account opening application information received through the information receiving unit 125 is included. If the authentication is successful, the financial account information is generated based on the customer information, account opening phone number information, telephone registration confirmation agreement information, and customer wireless terminal 105 information included in the validity-certified financial account opening application information. And an account establishment unit 155 for opening and processing a financial account under the customer's name including the financial account information.

When the validity of the financial account opening application information is confirmed by the validity checking unit 135, the information generating unit 150 corresponds to a predetermined number corresponding to the account opening phone number information included in the financial account opening application information. And generating predetermined account financial account information including an account number, wherein the account opening telephone number information includes at least one of a landline telephone number, a wireless telephone number (eg, a mobile telephone number), a fax number, and the like. It is preferable to include the above, it is possible to be made according to the international telephone number system according to the intention of the skilled person.

According to one embodiment of the invention, the account number is preferably made as it includes the telephone number.

In the case where the phone number includes the account number as described above, when the phone number includes a collection-only account number, the phone number is temporarily assigned for the collection process rather than the actual phone number (eg, 2007). In the case of collection on April 25, 010-2007-0425, etc.), the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the account number includes the phone number in a partial area on an account number structure including at least one of a predetermined point number, a subject, a serial number, and a verification number, and optionally in the remaining area. It is preferred to include a number (eg '0').

According to another embodiment of the present invention, the account number is preferably made by including the phone number in the serial number area of the point number, subject, serial number corresponding to the account number system set by each financial institution.

The account opening unit 155 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 175 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the financial account opening application information. It is characterized by opening and processing a financial account including a number.

According to an exemplary embodiment of the present invention, when the financial institution server 110 and the financial system 175 exist in the same system, the account opening unit 155 may be linked with the financial system 175 in the ledger D / B. It is preferable to generate a predetermined account ledger including financial account information at 180.

According to another exemplary embodiment of the present invention, when the financial institution server 110 and the financial system 175 exist on another system connected through a predetermined communication means, the account opening unit 155 may use predetermined communication means. Through the external system on the financial system 175, it is preferable to request the ledger D / B 180 on the other financial system 175 to generate a predetermined account ledger including the financial account information.

Referring to FIG. 1, an electronic document server receives a predetermined financial account opening electronic document from the financial institution server 110 provided on the financial account opening system, and stores and manages the electronic document in a predetermined electronic document D / B 196. The electronic document receiving unit 190 receives a predetermined financial account opening electronic document from the financial institution server 110 through a predetermined communication means, and the received financial account opening electronic document is stored in the electronic document D /. An information generation unit 192 for generating predetermined electronic document management information for storage and management in B 196; and a predetermined electronic document D / B by linking the electronic document management information with the opened financial account electronic document. And an electronic document storage unit 194 stored in the 196.

The electronic document receiving unit 190 is characterized in that for receiving the financial account opening electronic document in the form of an image file and / or document file from the financial institution server 110 through the communication means.

According to an embodiment of the present invention, the electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means includes the image content received by the financial company server 110 from the terminal device 100. It is preferable that the image file is included as it is.

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means may be applied to the financial account opening application information on the image content received by the financial institution server 110 from the terminal device 100. Including an image file corresponding to an image content including at least one of the customer information, the phone number information for opening an account, the telephone subscription confirmation consent information, and the customer wireless terminal 105 information in a watermarking manner. It is preferable to make.

According to another exemplary embodiment of the present invention, the electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means may be used to display image content received by the financial company server 110 from the terminal device 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means is included in the financial account opening application information in the image content received by the financial institution server 110 from the terminal device 100. A predetermined document file including image contents including watermarking method of at least one of the customer information, the account opening telephone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another exemplary embodiment of the present invention, an electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means is an image content received by the financial company server 110 from the terminal device 100. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document file including the financial account opening request information, or Web document file including MHT).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 190 through the communication means is included in the financial account opening application information in the image content received by the financial institution server 110 from the terminal device 100. Image information including at least one or more information of the customer information, account opening phone number information, account registration confirmation agreement information and customer wireless terminal 105 information by a watermarking method, and the financial account opening application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

The information generating unit 192 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening electronic document received through the electronic document receiving unit 190, and through the electronic document receiving unit 190 And generating electronic document management information including electronic document storage date and time information including a date and time at which a financial account opening electronic document is received (or a date and time at which the financial account opening electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 192 refers to the financial company server 110 that has transmitted the financial account opening electronic document received through the electronic document receiving unit 190. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 190 further receives a predetermined electronic document related information from the financial institution server 110, the information generating unit 192 is the received electronic Document-related information (e.g., customer information in which a financial account opening application corresponding to the image content is prepared, and / or financial institution information transmitting the financial account opening electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further including the financial account opening application information).

The electronic document storage unit 194 associates a financial account opening electronic document received through the electronic document receiving unit 190 with electronic document management information generated through the information generating unit 192 to process a predetermined electronic document. It is characterized in that the storage in the D / B (196).

According to the exemplary embodiment of the present invention, the financial account opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 is provided by the financial institution server 110 from the terminal device 100. It is preferable that the image file including the received image content is included as it is.

Alternatively, the electronic document opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 may be included in the image content received by the financial institution server 110 from the terminal device 100. Corresponds to image contents including watermarking method of at least one of customer information included in the financial account opening application information, telephone number information for opening an account, confirmation information of telephone registration, and consent information and customer wireless terminal 105 information. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, a financial account opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 may include the financial company server 110 in the terminal device 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, an electronic document opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 may include the financial information in the image content received by the financial institution server 110 from the terminal device 100. It includes an image content including at least one or more information of the customer information included in the account opening application information, the account opening phone number information, the telephone registration confirmation consent information and the customer wireless terminal 105 information in a watermarking method. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to another exemplary embodiment of the present invention, a financial account opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 may be configured by the financial company server 110 in the terminal device 100. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content received from the information and the financial account opening application information. A word processor file, or a web document file including MHT).

Alternatively, an electronic document opening electronic document stored in the electronic document D / B 196 by the electronic document storage unit 194 may include the financial information in the image content received by the financial institution server 110 from the terminal device 100. Image content and the financial information including at least one or more information of the customer information included in the account opening application information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 105 information by a watermarking method. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the account opening request information, or an MHT Web document files, etc.).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 196 by the electronic document storage unit 194 in association with the financial account opening electronic document is the financial account opening electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 196 by the electronic document storage unit 194 in association with the financial account opening electronic document is stored in the financial account opening. It is preferable that the financial institution server 110, which has transmitted the electronic document, further includes information on the financial institution that has transmitted the financial account opening electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 110, the electronic document storage unit 194 processes the electronic document opening process in association with the electronic account opening electronic document. The electronic document management information stored in the document D / B 196 may include the received electronic document related information (for example, customer information in which a financial account opening application corresponding to the image content is prepared, and / or the electronic account opening electronic document). Financial institution information, and / or electronic document file format information, and / or the application for opening a financial account, etc.).

Referring to Figure 1, the financial institution server 110 after the financial account including the telephone number is opened, the telephone to the wireless terminal corresponding to the information of the customer wireless terminal 105 included in the financial account opening application information It is preferable to further include a program providing unit 160 for providing and mounting a predetermined banking program (or banking virtual machine) for processing a financial transaction (or payment) using a financial account including a number.

According to an exemplary embodiment of the present invention, the program providing unit 160 may include a wireless communication network to which the customer wireless terminal 105 is subscribed based on the information of the customer wireless terminal 105 included in the financial account opening application information. Check a predetermined banking program (or a virtual machine for banking) that can be mounted in the customer wireless terminal 105, and the banking program (or a virtual machine for banking) the OTA (Over To Air) method through the wireless communication network. It is preferable to provide the customer wireless terminal 105 and mount it.

According to another exemplary embodiment of the present invention, the program providing unit 160 is predetermined banking that can be mounted on the customer wireless terminal 105 based on the customer wireless terminal 105 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the identified banking program (or banking virtual machine) to the terminal device 100 through the financial network to provide a banking program ( Or a virtual machine for banking).

According to another embodiment of the present invention, the program providing unit 160 is provided with a predetermined banking program (or banking virtual machine) that can be mounted on the customer wireless terminal 105 in the terminal device (100) In this case, it is preferable to provide the banking program (or a virtual machine for banking) to the customer wireless terminal 105 through the terminal apparatus 100 and to mount the banking program.

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service or a payment service through an automated teller machine.

2 is a view showing the structure of the ledger information corresponding to the financial account opened in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 2 illustrates the structure of the ledger information corresponding to the opened financial account including the phone number through the financial account opening system shown in Figure 1, the general knowledge in the technical field to which the present invention belongs If the person having the present invention, various implementations of the ledger information corresponding to the financial account opened by including the telephone number in the ledger D / B 200 on the financial system 175 by referring to and / or modified in this figure 2 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system 175 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, and the general knowledge in the technical field to which the present invention belongs. If the person has, the ledger D / B (200) provided in the DBMS on the financial system 175 has at least one ledger (for example, recipient ledger, loan ledger, collateral) in addition to the customer ledger and account ledger shown in FIG. And / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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

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

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

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

3A and 3B illustrate a process of opening a financial account including a telephone number in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal terminal in which a terminal device 100 on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 110 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 175 linked to the counter terminal through the financial network, a predetermined customer may open a financial account for opening a financial account including a telephone number. After completing and submitting a financial account opening application form including information, telephone number information for opening an account, and confirming a telephone subscription, and at least one information of a customer wireless terminal 105, the financial institution based on the financial account opening application form The present invention relates to a system for opening and processing a financial account in a face-to-face manner. Specifically, the customer prepares the financial account opening application form. When submitting to the ward, the window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, transmits the predetermined image content to the financial company server 110, and then corresponds to the financial account opening application. When the financial account opening application information is input (or selected) and transmitted to the financial institution server 110, the financial institution server 110 provides the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal ( 105 shows an implementation method of opening and processing the financial account based on the application information for opening the financial account including at least one information.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 110 at the window terminal by referring to and / or modified in the drawings 3a and 3b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 3A and 3B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 110, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 110, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 110 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 3A and 3B, at least one customer includes at least one of customer information, phone number information for opening an account, agreement to confirm phone registration, and customer wireless terminal 105 information for opening a financial account including a phone number. After completing and submitting an application for opening a financial account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the telephone corresponding to the application for opening a financial account. When requesting a user interface for opening a financial account including a number (300), the server corresponding to the predetermined image content corresponding to the financial account opening application prepared by the customer through a predetermined image acquisition device in the terminal corresponding to the request; Generate (or extract) a user interface for acquiring and transmitting to the server (305); The generated outputs to transmit the user interface (or extract) to the mobile station 310. The

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server opens a financial account including at least one of customer information, an account opening phone number information, a telephone registration confirmation agreement information, and a customer wireless terminal 105 information corresponding to the financial account opening application matching the image content. A user interface for inputting (or selecting) application information is generated (or extracted) for transmission to the server (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted. (335).

Subsequently, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information through the user interface. (340).

If the financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information is input (or selected) through the user interface (345) In step 350, the terminal transmits the input (or selection) of the financial account opening application information to the server through the financial network.

Thereafter, the server receives and reads the financial account opening request information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information through the financial network. By checking the validity of the financial account opening application information (355).

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 165 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account error information and transmits it to the terminal (365), the financial account corresponding to the financial account opening application information Do not perform the opening procedure.

On the other hand, if the validity of the financial account opening application information is verified (360), the server generates a predetermined financial account opening electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal apparatus 100 through the image receiving unit 130 as it is to open a financial account including the phone number. It is preferable to process the electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Opening a financial account including the phone number includes an image file corresponding to an image content including at least one of telephone number information, subscription confirmation consent information, and at least one information of customer wireless terminal 105 information by a watermarking method. It is desirable to create an electronic document for opening a financial account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal apparatus 100 through the image receiving unit 130. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), for opening a financial account including the telephone number. It is desirable to create an electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. A predetermined document file including image information including at least one of telephone number information, telephone subscription confirmation consent information, and customer wireless terminal 105 information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to generate a financial account opening electronic document for opening a financial account including a telephone number.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 130 and the financial account opening application information received through the information receiving unit 125. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Generate image content including at least one or more information of the phone number information, the phone subscription confirmation consent information, and the customer wireless terminal 105 information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number. All.

Those skilled in the art to which the present invention pertains are provided with the technical features that the server generates a financial account opening electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial account opening electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 185 and an electronic document D / B 196 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening electronic document to the electronic document server 185 through the communication means to store in the electronic document D / B (196).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server corresponds to the electronic document storage on the DBMS provided in the financial account opening system. The electronic document D / B 196 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the financial account opening electronic document in the electronic document storage is performed by linking the generated financial account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (196).

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

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

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening electronic document, and // Or electronic document file format information, and / or financial account opening application information).

If the financial account opening electronic document is stored in the electronic document storage (380), the server includes the customer information included in the financial account opening application information, the account opening telephone number information, the telephone registration confirmation consent information, and the customer wireless terminal. The financial account information is generated based on the information (385).

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

Subsequently, the server is linked with the financial system 175 based on the customer information included in the financial account opening application information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 105 information. A financial account of the customer's name including the financial account information is opened (390).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 175 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the financial account; It characterized in that the opening of the financial account containing the phone number.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 200 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 200 on the other financial system 175 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates (or extracts) predetermined financial account opening history information (eg, the history of opening the financial account, and / or the history of storing the financial account opening electronic document in the electronic document storage), and sends it to the terminal. Transmit (395).

Thereafter, the server is a wireless terminal corresponding to the customer wireless terminal 105 information included in the financial account opening application information for a predetermined transaction for processing a financial transaction (or payment) using the financial account including the phone number. A banking program (or banking virtual machine) is provided and mounted (399).

According to an exemplary embodiment of the present invention, the program providing unit 160 may include a wireless communication network to which the customer wireless terminal 105 is subscribed based on the information of the customer wireless terminal 105 included in the financial account opening application information. Check a predetermined banking program (or a virtual machine for banking) that can be mounted in the customer wireless terminal 105, and the banking program (or a virtual machine for banking) the OTA (Over To Air) method through the wireless communication network. It is preferable to provide the customer wireless terminal 105 and mount it.

According to another exemplary embodiment of the present invention, the program providing unit 160 is predetermined banking that can be mounted on the customer wireless terminal 105 based on the customer wireless terminal 105 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the identified banking program (or banking virtual machine) to the terminal device 100 through the financial network to provide a banking program ( Or a virtual machine for banking).

According to another embodiment of the present invention, the program providing unit 160 is provided with a predetermined banking program (or banking virtual machine) that can be mounted on the customer wireless terminal 105 in the terminal device (100) In this case, it is preferable to provide the banking program (or a virtual machine for banking) to the customer wireless terminal 105 through the terminal apparatus 100 and to mount the banking program.

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

4A and 4B illustrate a process of opening a financial account including a phone number in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal terminal in which a terminal device 100 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 110 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 175 linked to the counter terminal through the financial network, a predetermined customer may open a financial account for opening a financial account including a telephone number. After completing and submitting a financial account opening application form including information, telephone number information for opening an account, and confirming a telephone subscription, and at least one information of a customer wireless terminal 105, the financial institution based on the financial account opening application form The present invention relates to a system for opening and processing a financial account in a face-to-face manner. Specifically, the customer prepares the financial account opening application form. When submitting to the ward, the window terminal inputs (or selects) the financial account opening application information corresponding to the financial account opening application and transmits it to the financial company server 110, and then the financial account through a predetermined image acquisition device. When the predetermined image content corresponding to the application for opening is obtained and transmitted to the financial institution server 110, the financial institution server 110 may provide the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal ( 105 shows an implementation method of opening and processing the financial account based on the application information for opening the financial account including at least one information.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 110 at the window terminal by referring to and / or modified in the drawings 4a and 4b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, although the implementation method illustrated in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 4A and 4B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 110, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 110, thereby the present invention is not limited.

In the following Figures 4a and 4b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial company server 110 shown in Figure 1 is referred to as a "server" for convenience, The customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information transmitted to the financial institution server 110 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, at least one customer includes at least one of customer information, account opening phone number information, phone registration confirmation consent information, and customer wireless terminal 105 information for opening a financial account including a phone number. After completing and submitting an application for opening a financial account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the telephone corresponding to the application for opening a financial account. When requesting a user interface for opening a financial account including a number (400), in response, the server corresponds to the customer information corresponding to the application for opening a financial account created by the customer, the telephone number information for opening an account, and the telephone subscription confirmation consent information. And enter (or select) financial account opening application information including at least one piece of customer wireless terminal 105 information. Generating a user interface for transmitting to the server (or the extract) and 405, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 410. The

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information through the user interface. (415).

If the financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 105 information is input (or selected) through the user interface (420); In step 425, the terminal transmits the input (or selection) of the financial account opening application information to the server through the financial network.

Thereafter, the server receives and reads through the financial network the financial account opening request information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 105 information. The validity of the financial account opening application information is checked (430).

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 165 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is desirable to include that check whether is subscribed.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account error information and transmits it to the terminal (440), the financial account corresponding to the financial account opening application information Do not perform the opening procedure.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the financial account opening application written by the customer through the predetermined image acquisition device in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial account opening application information and the image contents from the terminal generates a predetermined financial account opening electronic document including the image contents (470).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal apparatus 100 through the image receiving unit 130 as it is to open a financial account including the phone number. It is preferable to process the electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Opening a financial account including the phone number includes an image file corresponding to an image content including at least one of telephone number information, subscription confirmation consent information, and at least one information of customer wireless terminal 105 information by a watermarking method. It is desirable to create an electronic document for opening a financial account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal apparatus 100 through the image receiving unit 130. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), for opening a financial account including the telephone number. It is desirable to create an electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. A predetermined document file including image information including at least one of telephone number information, telephone subscription confirmation consent information, and customer wireless terminal 105 information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to generate a financial account opening electronic document for opening a financial account including a telephone number.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 130 and the financial account opening application information received through the information receiving unit 125. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Generate image content including at least one or more information of the phone number information, the phone subscription confirmation consent information, and the customer wireless terminal 105 information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number. All.

Those skilled in the art to which the present invention pertains are provided with the technical features that the server generates a financial account opening electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial account opening electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 185 and an electronic document D / B 196 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening electronic document to the electronic document server 185 through the communication means to store in the electronic document D / B (196).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server corresponds to the electronic document storage on the DBMS provided in the financial account opening system. The electronic document D / B 196 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the financial account opening electronic document in the electronic document storage is performed by linking the generated financial account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (196).

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

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

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening electronic document, and // Or electronic document file format information, and / or financial account opening application information).

If the financial account opening electronic document is stored in the electronic document storage (480), the server includes the customer information included in the financial account opening application information, the account opening telephone number information, the telephone registration confirmation consent information, and the customer wireless terminal. The financial account information is generated based on the information (485).

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

Subsequently, the server is linked with the financial system 175 based on the customer information included in the financial account opening application information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 105 information. A financial account of the customer's name including the financial account information is opened (490).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 175 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the financial account; It characterized in that the opening of the financial account containing the phone number.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 200 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server is located on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 200 on the other financial system 175 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates (or extracts) predetermined financial account opening history information (eg, the history of opening the financial account, and / or the history of storing the financial account opening electronic document in the electronic document storage), and sends it to the terminal. Transmit (495).

Thereafter, the server is a wireless terminal corresponding to the customer wireless terminal 105 information included in the financial account opening application information for a predetermined transaction for processing a financial transaction (or payment) using the financial account including the phone number. A banking program (or virtual machine for banking) is provided and mounted (499).

According to an exemplary embodiment of the present invention, the program providing unit 160 may include a wireless communication network to which the customer wireless terminal 105 is subscribed based on the information of the customer wireless terminal 105 included in the financial account opening application information. Check a predetermined banking program (or virtual machine for banking) that can be mounted in the customer wireless terminal 105, and the banking program (or virtual machine for banking) through the wireless communication network in an OTA (Over To Air) manner. It is preferable to provide the customer wireless terminal 105 and mount it.

According to another exemplary embodiment of the present invention, the program providing unit 160 is predetermined banking that can be mounted on the customer wireless terminal 105 based on the customer wireless terminal 105 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the identified banking program (or banking virtual machine) to the terminal device 100 through the financial network to provide a banking program ( Or a virtual machine for banking).

According to another embodiment of the present invention, the program providing unit 160 is provided with a predetermined banking program (or banking virtual machine) that can be mounted on the customer wireless terminal 105 in the terminal device (100) In this case, it is preferable to provide the banking program (or a virtual machine for banking) to the customer wireless terminal 105 through the terminal apparatus 100 and to mount the banking program.

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

5A and 5B illustrate a process of opening a financial account including a telephone number in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 100 on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 110 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 175 linked to the counter terminal through the financial network, a predetermined customer may open a financial account for opening a financial account including a telephone number. After completing and submitting a financial account opening application form including information, telephone number information for opening an account, and confirming a telephone subscription, and at least one information of a customer wireless terminal 105, the financial institution based on the financial account opening application form The present invention relates to a system for opening and processing a financial account in a face-to-face manner. Specifically, the customer prepares the financial account opening application form. When submitting to a ward, the window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and inputs (or selects) financial account opening application information corresponding to the financial account opening application. After the image content and the financial account opening application information are transmitted to the financial institution server 110, the financial institution server 110 provides the customer information, the telephone number information for opening an account, the consent information of the telephone registration, and the customer. An implementation method of opening and processing the financial account based on the financial account establishment application information including at least one or more radio terminal 105 information is shown.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 110 at the window terminal by referring to and / or modified in this figure 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

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

In addition, in the method shown in FIGS. 5A and 5B including the process of generating and storing the electronic document, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 110, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 110, thereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 110 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information transmitted to the financial institution server 110 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 5A and 5B, at least one customer includes at least one of customer information, phone number information for opening an account, agreement to confirm phone registration, and customer wireless terminal 105 information for opening a financial account including a phone number. After completing and submitting an application for opening a financial account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the telephone corresponding to the application for opening a financial account. When requesting a user interface for opening a financial account including a number (500), the server inputs (or selects) financial account opening application information corresponding to the financial account opening application prepared by the customer in response to the request. Acquiring predetermined image contents corresponding to the financial account opening application through a predetermined image obtaining apparatus; A user interface for transmitting to the server is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (510).

Subsequently, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information through the user interface. (515).

If the financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 105 information is input (or selected) through the user interface (520) In operation 525, the terminal acquires image contents corresponding to the application for opening a financial account through a predetermined image acquisition device based on the user interface.

If image content corresponding to the financial account opening application is obtained through the image acquisition device (530), the terminal transmits the financial account opening application information and image content to the server through the financial network (535). .

Thereafter, the server receives and reads through the financial network the financial account opening request information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 105 information. The validity of the financial account opening application information is checked (540).

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 165 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account error information and transmits it to the terminal (550), and the financial account corresponding to the financial account opening application information. Do not perform the opening procedure.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server generates a predetermined financial account opening electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server may open an image file including the image content received from the terminal apparatus 100 through the image receiving unit 130 as it is to open a financial account including the phone number. It is preferable to process the electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Opening a financial account including the phone number includes an image file corresponding to an image content including at least one of telephone number information, subscription confirmation consent information, and at least one information of customer wireless terminal 105 information by a watermarking method. It is desirable to create an electronic document for opening a financial account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal apparatus 100 through the image receiving unit 130. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), for opening a financial account including the telephone number. It is desirable to create an electronic document for opening a financial account.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. A predetermined document file including image information including at least one of telephone number information, telephone subscription confirmation consent information, and customer wireless terminal 105 information by a watermarking method, and including the generated image content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to generate a financial account opening electronic document for opening a financial account including a telephone number.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 130 and the financial account opening application information received through the information receiving unit 125. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server may be used to open customer information and accounts included in the financial account opening application information received through the information receiving unit 125 on the image content received from the terminal device 100 through the image receiving unit 130. Generate image content including at least one or more information of the phone number information, the phone subscription confirmation consent information, and the customer wireless terminal 105 information by watermarking, and the generated image content and the application for opening the financial account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number. All.

Those skilled in the art to which the present invention pertains are provided with the technical features that the server generates a financial account opening electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial account opening electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 185 and an electronic document D / B 196 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening electronic document to the electronic document server 185 through the communication means to store in the electronic document D / B (196).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server corresponds to the electronic document storage on the DBMS provided in the financial account opening system. The electronic document D / B 196 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the financial account opening electronic document in the electronic document storage is performed by linking the generated financial account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (196).

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

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

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening electronic document, and // Or electronic document file format information, and / or financial account opening application information).

If the electronic bank account opening electronic document is stored in the electronic document storage room (565), the server includes the customer information included in the financial account opening application information, the telephone number information for the account opening, the telephone registration confirmation agreement information, and the customer wireless terminal. In operation 570, the financial account information is generated based on the information.

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

Thereafter, the server is connected with the financial system 175 based on the customer information, account opening phone number information, telephone registration confirmation agreement information, and customer wireless terminal 105 information included in the financial account opening request information. In step 575, a financial account of the customer's name including the financial account information is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 175 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the financial account; It characterized in that the opening of the financial account containing the phone number.

When the server and the financial system 175 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 200 in association with the financial system 175. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 175 exist on another system connected through a predetermined communication means, the server is located on the financial system 175 through a predetermined communication means. It is preferable to request the general ledger D / B 200 on the other financial system 175 to generate a predetermined ledger including the financial account information through the external system.

Thereafter, the server generates (or extracts) predetermined financial account opening history information (eg, the history of opening the financial account, and / or the history of storing the financial account opening electronic document in the electronic document storage), and sends it to the terminal. Transmit (585).

Thereafter, the server is a wireless terminal corresponding to the customer wireless terminal 105 information included in the financial account opening application information for a predetermined transaction for processing a financial transaction (or payment) using the financial account including the phone number. A banking program (or virtual machine for banking) is provided and mounted (590).

According to an exemplary embodiment of the present invention, the program providing unit 160 may include a wireless communication network to which the customer wireless terminal 105 is subscribed based on the information of the customer wireless terminal 105 included in the financial account opening application information. Check a predetermined banking program (or a virtual machine for banking) that can be mounted in the customer wireless terminal 105, and the banking program (or a virtual machine for banking) the OTA (Over To Air) method through the wireless communication network. It is preferable to provide the customer wireless terminal 105 and mount it.

According to another exemplary embodiment of the present invention, the program providing unit 160 is predetermined banking that can be mounted on the customer wireless terminal 105 based on the customer wireless terminal 105 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the identified banking program (or banking virtual machine) to the terminal device 100 through the financial network to provide a banking program ( Or a virtual machine for banking).

According to another embodiment of the present invention, the program providing unit 160 is provided with a predetermined banking program (or banking virtual machine) that can be mounted on the customer wireless terminal 105 in the terminal device (100) In this case, it is preferable to provide the banking program (or a virtual machine for banking) to the customer wireless terminal 105 through the terminal apparatus 100 and to mount the banking program.

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

6 is a diagram illustrating a non-face-to-face financial account opening system for opening a financial account including a telephone number according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that a predetermined customer includes at least one predetermined customer information, an account opening phone number information, a telephone registration confirmation agreement information, and a customer wireless terminal 605 information through a predetermined financial account opening interface. The present invention relates to a system for opening a financial account for opening a financial account including the telephone number based on the financial account opening application information, when the financial institution opening application information is provided to the financial institution. Those skilled in the art may refer to and / or modify this drawing 6 to infer various implementation methods for constructing a financial account opening system for opening a financial account including a telephone number. The present invention includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. It does not.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to, and / or modify, the financial account opening system in which the electronic document opening electronic document is stored in the electronic document storage by referring to and / or modifying the drawing 6. It is possible to infer the configuration, and also in the case where the electronic document opening electronic document is stored in the electronic document storage, the electronic document storage is provided in the DBMS located in the financial account opening system in addition to the implementation method shown in FIG. It will be possible to infer the implementation method described above, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the financial account opening application information is provided from the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. 6 to allow the customer to open the financial account, and corresponding financial financing. A component corresponding to at least one or more means and / or functional configurations for generating an account opening electronic document and storing it in a predetermined electronic document repository is referred to as " financial company server 610 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a financial account opening system for opening a financial account including the telephone number includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 600 including at least one, the terminal device 600 is a communication channel with a financial company server 610 provided on the financial account opening system through a predetermined network means Is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 610 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial account opening application information for opening a financial account including the phone number is input (or selected) through at least one user interface provided by the financial institution server 610, the client terminal receives a predetermined network means. It is preferable to transmit to the financial company server 610 provided on the financial account opening system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 600 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 600 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 600 connected to an x-based mobile Internet and / or all terminal devices 600 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 610 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 610 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 610, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 610. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 610) is provided.

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

In the financial account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 610; And / or the wireless communication network functions as a financial account opening interface for the customer to register financial account opening application information for opening a financial account including the telephone number.

According to another exemplary embodiment of the present invention, the terminal device 600 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 600 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 610 performs a function of a financial account opening interface for registering a financial account opening application information for the customer to open a financial account including the telephone number, and / or the terminal device 600. Is a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 610 may be used by the customer. Performs a function of a financial account opening interface for registering a financial account opening application information for opening a financial account including a, and / or the terminal device 600 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial company The network connecting the server 610 performs a function of a financial account opening interface for the customer to register financial account opening application information for opening a financial account including the phone number.

The financial company server 610 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 600 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 600 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 610 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system 670 through the Internet banking system. A foreign system on the financial system 670 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 670, thereby the invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 610 may be configured on the wireless banking system. A predetermined server (or device) provided at a wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 670 through the wireless banking system. A server provided in the external system on the financial system 670 that is a program in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external system on the financial system 670, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 610 is connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial system 670 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 670, and / or a program provided in the external system on the financial system 670, thereby limiting the present invention. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 610 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 670 through the TV banking system ( Or a device), a program included in the server (or device), and / or in the external system on the financial system 670 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 670, thereby the present invention is not limited.

According to the embodiment of the present invention, the financial company server 610 is characterized in that it comprises an interface unit 615 for connecting and managing a predetermined communication channel with the terminal device 600 through the network means.

According to an embodiment of the present invention, when the terminal device 600 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 615 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 615 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 610, the interface unit 615 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a financial automation device connected to a predetermined financial network, the interface unit 615 may perform the financial automation based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 615 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 615 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program provided by the financial institution server 610 (eg, an IC chip-based banking program), the interface unit 615 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 615 may connect the wired telephone network and / or wirelessly. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 615 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 615 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, the financial institution server 610 includes the telephone number when a predetermined terminal device 600 connects a predetermined communication channel with the financial institution server 610 through the interface unit 615. Generating (or extracting) at least one user interface for inputting (or selecting) predetermined financial account opening application information from the terminal device 600 to the financial institution server 610 to open a financial account; An interface providing unit 620 for providing the generated (or extracted) user interface to the terminal device 600 in association with the interface unit 615, and the financial unit through the user interface in the terminal device 600. When the account opening application information is input (or selected) and transmitted, the financial account opening application information transmitted from the terminal device 600 is received in connection with the interface unit 615. It is characterized by comprising an information receiving unit (625).

The interface provider 620 connects a predetermined communication channel with the financial institution server 610 through the interface unit 615, and then transfers the phone number to the financial institution server 610. When requesting a user interface for opening a financial account, the terminal device 600 inputs (or selects) predetermined financial account opening application information and transmits it to the financial company server 610 through the network means. One or more user interfaces are generated, and / or extracted from a predetermined database (not shown), and the terminal device (or the user interface) is generated through the network means. 600) characterized in that provided.

When the terminal device 600 is a client terminal including a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface providing unit 620 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 615.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a financial automation device connected to a predetermined financial network, the interface providing unit 620 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 615.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 620 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 615.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 620 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 615 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 600 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 620 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 615.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal 600 is transmitted to the financial institution server 610 through the network means. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting the predetermined financial account opening application information to the financial institution server 610 as described above. The interface providing unit 620 provided to the device 600 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 600 receives financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information through the user interface. And inputs (or selects) and transmits the input (or selected) financial account opening application information to the financial institution server 610 through the network means, and correspondingly, the information receiving unit 625 transmits the interface unit 615. And receiving the financial account establishment application information transmitted from the terminal device 600 in association with.

The customer information includes personal information of the customer who opens the financial account (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, and the member information of the customer (for example, the customer has the financial information). By signing up as a financial transaction customer of the institution, it is preferable to include at least one or more member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 670.

Preferably, the account opening telephone number information includes predetermined telephone number information included in an account number generated in response to the financial account opening application, and the telephone number is used by the customer (or subscribed in the name of the customer). The telephone number corresponding to the landline telephone (or wireless telephone or fax) and the carrier information to which the landline telephone (or wireless telephone or fax, etc.) used by the customer (subscribed in the name of the customer) is subscribed. It is preferable to make it.

The telephone subscription confirmation consent information is linked to the communication company server 660 corresponding to the telephone number for opening the account at the financial institution in opening a predetermined financial account including the telephone number in response to the financial account opening request. Consent to confirm that the landline telephone (or wireless telephone or fax, etc.) corresponding to the telephone number for opening the account is the landline telephone (or wireless telephone or fax, etc.) used by the customer (or subscribed in the name of the customer). And / or approval.

The customer wireless terminal 605 information is a predetermined banking program for a financial transaction (or payment) using the financial account after a predetermined financial account including the phone number is opened in response to the application for opening the financial account. (E.g., a virtual machine for wireless banking, etc.), the wireless terminal information of the customer name to be mounted is preferably included.

According to one embodiment of the present invention, when the account opening telephone number includes a telephone number corresponding to a predetermined wireless telephone used by the customer (or subscribed under the name of the customer), The customer wireless terminal 605 information preferably comprises the same telephone number information.

According to another exemplary embodiment of the present invention, when the account opening telephone number includes a telephone number corresponding to a landline telephone (or fax) used by the customer (or subscribed under a client's name), the account opening telephone number is used. The telephone number and the customer wireless terminal 605 information may be different from each other, and the present invention is not limited thereto.

According to an embodiment of the present invention, the terminal device 600 includes financial account opening application information including at least one of the customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information. The OTP code generated by the financial company server 610 through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for checking the validity of the application information for opening the financial account. It is preferable to further include at least one or more to transmit to the financial institution server 610 via the network means.

According to an embodiment of the present invention, the terminal device 600 includes financial account opening application information including at least one of the customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information. And / or encrypt at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the financial account opening application information and transmit it to the financial company server 610 through the network means. For this purpose, the terminal device 600 includes at least one corresponding to the encryption method. Have an encryption key, and / or have a predetermined public certificate including at least one encryption key, and / Is preferably provided with the certificate of the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader.

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

Referring to FIG. 6, when the financial institution opening application information received from the terminal device 600 is received through the information receiving unit 625, the financial institution server 610 may display the received financial account opening application information. Characterized in that it comprises a validity check unit 630 for confirming whether the validity for opening a financial account including a telephone number.

According to an embodiment of the present invention, the financial account opening application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 630 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted financial account opening application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity verification unit 630 checks the electronic signature attached to the financial account opening application information, thereby receiving the received financial account opening application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted financial account opening application information and the electronic signature attached to the financial account opening application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the financial account opening application information received through the information receiving unit 625 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the financial account opening application information, the validity checking unit In operation 630, it is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the financial account opening application information received through the information receiving unit 625 further includes predetermined security card information for confirming the validity of the financial account opening application information, the validity checking unit 630. Compares and authenticates the security card information included in the financial account opening application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial account opening application information. desirable.

Alternatively, when the financial account opening application information received through the information receiving unit 625 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the validity checking unit 630. Compares and authenticates the received OTP code included in the financial account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received financial account opening application. It is desirable to authenticate the validity of the information.

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 660 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity checking unit 630, the financial company server 610 includes a predetermined financial account including the received financial account opening application information. An electronic document generation unit 635 for generating an open electronic document, and an electronic document transmission unit 640 for transmitting the generated financial account opening electronic document to an electronic document repository associated with the financial account opening system. It features.

The electronic document generating unit 635 generates a financial account opening electronic document including the financial account opening application information received from the terminal device 600 through the information receiving unit 625.

According to an exemplary embodiment of the present invention, the electronic document generation unit 635 consents to customer information included in the financial account opening application information received through the information receiving unit 625, the account opening telephone number information, and the telephone subscription confirmation. Generating document content including at least one information and at least one information of a customer wireless terminal 605, and including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or the like) containing the document content, or It is preferable to process a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.) as an electronic document for opening a financial account including the telephone number.

Alternatively, the electronic document generating unit 635 may include customer information included in the financial account opening application information received through the information receiving unit 625, account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605. Generate document content including at least one piece of information, and the customer information included in the financial account opening application information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 605 information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or A word processor file including at least one of HWP / DOC, a web document file including MHT), and the like. Be treated as financial accounts established electronic documents for opening left is desirable.

Alternatively, the electronic document generating unit 635 may include customer information included in the financial account opening application information received through the information receiving unit 625, account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605. Generate a document content including at least one information, and include an image file including image content (eg, image content generated by capturing the document content on a memory); It is preferable to process a financial account opening electronic document for opening a financial account including.

* Or, the electronic document generation unit 635 is the customer information included in the financial account opening application information received through the information receiving unit 625, account opening phone number information, telephone subscription confirmation consent information and customer wireless terminal ( 605) generating document content including at least one information, and capturing the document content into image content (e.g., image content generated by capturing the document content on a memory). After including at least one or more information of the included customer information, account opening phone number information, telephone subscription confirmation consent information and customer wireless terminal 605 information in a watermarking method, the image content including the watermarking It is to process the image file containing an electronic document to open a financial account for opening a financial account including the phone number Is recommended.

According to another exemplary embodiment of the present invention, the electronic document generating unit 635 confirms customer information included in the financial account opening application information received through the information receiving unit 625, phone number information for opening an account, and phone registration. Generating document content including at least one consent information and information of the customer wireless terminal 605, and capturing the image content (e.g., image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ), It is preferable to process a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the electronic document generating unit 635 may include customer information included in the financial account opening application information received through the information receiving unit 625, account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605. ) Generate document content including at least one information, and include in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory); Generating an image content including at least one or more information of the customer information, the account opening telephone number information, the account registration confirmation agreement information, and the customer wireless terminal 605 information by a watermarking method, wherein the watermarking is included. A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing the captured image content, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), and the like, and process it as a financial account opening electronic document for opening a financial account including the telephone number. Do.

According to another exemplary embodiment of the present invention, the electronic document generating unit 635 may include customer information included in the financial account opening application information received through the information receiving unit 625, telephone number information for opening an account, and telephone registration. Image content including at least one piece of confirmation consent information and information of the customer wireless terminal 605, and image content (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document file including the financial account opening request information, or By creating a web document file including the MHT, etc.), a financial account opening electronic document for opening a financial account including the phone number That is to desirable.

Alternatively, the electronic document generating unit 635 may include customer information included in the financial account opening application information received through the information receiving unit 625, account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605. ) Generate document content including at least one information, and include in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory); Generating an image content including at least one or more information of the customer information, the account opening telephone number information, the account registration confirmation agreement information, and the customer wireless terminal 605 information by a watermarking method, wherein the watermarking is included. A document file (e.g., a Portable Document Format (PDF) file) containing the image content and the application information for opening the financial account, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby opening a financial account including the telephone number. It is preferable to process the opened electronic document.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generation unit 635 generating an electronic document for opening a financial account in an image file format and / or a predetermined document file format, and the financial You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the account opening electronic document, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 640 transmits and stores the financial account opening electronic document generated by the electronic document generating unit 635 to a predetermined electronic document repository associated with the financial account opening system. .

As shown in FIG. 6, the electronic document repository is connected to a financial company server 610 on the financial account opening system and a predetermined electronic document server 680 and electronic document D / B 698 linked through predetermined communication means. When included in the external, the electronic document transmission unit 640 to the electronic document server 680 through the communication means for opening the electronic document created by the electronic document generation unit 635 Characterized in that the transmission.

Here, when the electronic document server 680 and the electronic document D / B 698 is provided outside the financial account opening system, the electronic document server 680 and the electronic document D / B 698 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 640 generates the electronic document generation unit 635. It is possible to store a financial account opening electronic document in an electronic document D / B 698 corresponding to an electronic document storage on a DBMS provided in the financial account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 640 inputs electronic document related information (eg, the financial account opening application information) for generating predetermined electronic document management information in the electronic document server 680. (Optional) customer information transmitted, and / or financial institution information transmitting the financial account opening electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 6, the financial company server 610 may use the financial account opening request information received through the information receiving unit 625 to open a financial account including the phone number through the validity checking unit 630. If the authentication is successful, the financial account information is generated based on the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 605 information included in the validity-certified financial account opening application information. And an information creating unit 645 and an account opening unit 650 for opening and processing a financial account under the customer's name including the financial account information.

When the validity confirming unit 630 confirms the validity of the financial account opening application information, the information generating unit 645 corresponds to a predetermined number corresponding to the account opening telephone number information included in the financial account opening application information. And generating predetermined account financial account information including an account number of the account, wherein the account opening telephone number information includes at least one of a landline telephone number, a wireless telephone number (eg, a mobile telephone number), a fax number, and the like. It is preferable to include the above, it is possible to be made according to the international telephone number system according to the intention of the skilled person.

According to one embodiment of the invention, the account number is preferably made as it includes the telephone number.

In the case where the phone number includes the account number as described above, when the phone number includes a collection-only account number, the phone number is temporarily assigned for the collection process rather than the actual phone number (eg, 2007). In the case of collection on April 25, 010-2007-0425, etc.), the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the account number includes the phone number in a partial area on an account number structure including at least one of a predetermined point number, a subject, a serial number, and a verification number, and optionally in the remaining area. It is preferred to include a number (eg '0').

According to another embodiment of the present invention, the account number is preferably made by including the phone number in the serial number area of the point number, subject, serial number corresponding to the account number system set by each financial institution.

The account opening unit 650 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 670 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the financial account opening application information. It is characterized by opening and processing a financial account including a number.

When the financial institution server 610 and the financial system 670 exist in the same system according to an exemplary embodiment of the present invention, the account opening unit 650 may be linked with the financial system 670 in a ledger D / B. It is preferable to create a predetermined account ledger including the financial account information at 675.

According to another exemplary embodiment of the present invention, when the financial institution server 610 and the financial system 670 exist on another system connected through a predetermined communication means, the account opening unit 650 may use predetermined communication means. Through the external system on the financial system 670, it is preferable to request the ledger D / B 675 on the other financial system 670 to generate a predetermined account ledger including the financial account information.

Referring to FIG. 6, an electronic document server receives a predetermined financial account opening electronic document from the financial company server 610 provided on the financial account opening system, and stores and manages the electronic document D / B 698 in a predetermined electronic document D / B. An electronic document receiving unit 685 for receiving a predetermined financial account opening electronic document from the financial institution server 610 through a predetermined communication means, and the received financial account opening electronic document in the electronic document D / An information generation unit 690 for generating predetermined electronic document management information for storage and management in the B698; and a predetermined electronic document D / B by linking the electronic document management information with the financial account opening electronic document. And an electronic document storage section 695 stored in the 698.

The electronic document receiving unit 685 may receive a financial account opening electronic document in the form of an image file and / or a document file from the financial institution server 610 through the communication means.

According to an embodiment of the present invention, the financial account opening electronic document received by the electronic document receiving unit 685 through the communication means is applied to open a financial account received by the financial company server 610 from the terminal device 600. A document file (eg, a Portable Document Format (PDF) file) containing document contents including at least one of customer information included in the information, telephone number information for opening an account, telephone subscription confirmation consent information, and customer wireless terminal 605 information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 685 through the communication means may include customer information included in the financial account opening application information received by the financial company server 610 from the terminal device 600. Customer information included in the financial account opening request information, account opening phone number information, and phone sign-up in document contents including at least one account opening phone number information and phone registration confirmation consent information and customer wireless terminal 605 information. A document file (eg, a Portable Document Format (PDF) file including document content including the watermarking) after including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web including MHT. It comprises a document file, etc.) is preferred.

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 685 through the communication means may include customer information included in the financial account opening application information received by the financial company server 610 from the terminal device 600. Image content that captures document content including at least one account opening phone number information, a telephone subscription confirmation consent information, and customer wireless terminal 605 information (e.g., an image generated by capturing the document content on a memory) It is preferably made to include an image file containing the content).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 685 through the communication means may include customer information included in the financial account opening application information received by the financial company server 610 from the terminal device 600. Image content that captures document content including at least one account opening phone number information, a telephone subscription confirmation consent information, and customer wireless terminal 605 information (e.g., an image generated by capturing the document content on a memory) Contents) includes at least one or more of the customer information included in the financial account opening application information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 605 information in a watermarking manner. Preferably, the image file includes an image file including the image content including the watermarking.

According to another embodiment of the present invention, the financial account opening electronic document received by the electronic document receiving unit 685 through the communication means is opened by the financial company server 610 receiving the financial account from the terminal device 600. Image content capturing document contents including at least one of customer information included in the application information, telephone number information for opening an account, telephone subscription confirmation consent information, and customer wireless terminal 605 information (eg, the document). Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 685 through the communication means may include customer information included in the financial account opening application information received by the financial company server 610 from the terminal device 600. Image content that captures document content including at least one account opening phone number information, a telephone subscription confirmation consent information, and customer wireless terminal 605 information (e.g., an image generated by capturing the document content on a memory) Contents) includes at least one or more of the customer information included in the financial account opening application information, the account opening phone number information, the telephone registration confirmation consent information, and the wireless information terminal (605) information in a watermarking manner. A document file (eg, Portable Document) that generates image content and includes the image content including the watermarking. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a financial account opening electronic document received by the electronic document receiving unit 685 through the communication means is a financial account received by the financial company server 610 from the terminal device 600. Image content (e.g., the document) which captures document content including at least one of customer information included in the application for opening information, account number for opening an account, phone registration confirmation consent information, and customer wireless terminal 605 information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on a memory and the application information for opening a financial account. And a word processor file including at least one or a web document file including MHT).

Alternatively, the electronic document opening electronic document received by the electronic document receiving unit 685 through the communication means may include customer information included in the financial account opening application information received by the financial company server 610 from the terminal device 600. Image content that captures document content including at least one account opening phone number information, a telephone subscription confirmation consent information, and customer wireless terminal 605 information (e.g., an image generated by capturing the document content on a memory) Contents) includes at least one or more of the customer information included in the financial account opening application information, the account opening phone number information, the telephone registration confirmation consent information, and the wireless information terminal (605) information in a watermarking manner. Generating image content, the image content including the watermarking and the financial account opening application information Including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

The information generating unit 690 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening electronic document received through the electronic document receiving unit 685, and through the electronic document receiving unit 685 And generating electronic document management information including electronic document storage date and time information including a date and time at which a financial account opening electronic document is received (or a date and time at which the financial account opening electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 690 refers to the financial company server 610 that transmits the financial account opening electronic document received through the electronic document receiving unit 685, and opens the financial account opening electronic document. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 610 through the electronic document receiving unit 685, the information generating unit 690 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the financial account opening application information) and / or financial institution information transmitting the financial account opening electronic document, and / or electronic document file format information, and / Or the electronic document management information further including the financial account opening application information).

The electronic document storage unit 695 associates a financial account opening electronic document received through the electronic document receiving unit 685 with electronic document management information generated through the information generating unit 690 to process a predetermined electronic document D. / B 698, characterized in that.

According to the exemplary embodiment of the present invention, the financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may be provided by the financial company server 610 from the terminal device 600. Document file (e.g., PDF) containing document contents including at least one of customer information included in the received application information for opening a financial account, phone number information for opening an account, confirmation of subscription to a telephone, and information on a customer wireless terminal 605; (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, a financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may be a financial account opening application received by the financial institution server 610 from the terminal device 600. Opening the customer information and account included in the financial account opening application information in document contents including at least one of customer information included in the information, phone number information for opening an account, confirmation information of telephone registration, and consent information and customer wireless terminal 605 information. After including at least one or more information of the phone number information and the phone subscription confirmation consent information and the customer wireless terminal 605 information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or including an MHT. It comprises a text file, etc.) is preferred.

Alternatively, the financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may include financial account opening application information received by the financial company server 610 from the terminal device 600. Image content (e.g., the document content is captured), which captures document content including at least one of customer information, account opening phone number information, account registration confirmation agreement information, and customer wireless terminal 605 information included in the information. It is preferably made to include an image file (including image content generated by capturing on).

Alternatively, a financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may be a financial account opening application received by the financial institution server 610 from the terminal device 600. Image content (e.g., the document content) which captures document content including at least one of customer information included in the information, telephone number information for opening an account, telephone subscription confirmation consent information, and customer wireless terminal 605 information. Watermarking at least one of customer information included in the financial account opening application information, account opening phone number information, telephone registration confirmation agreement information, and customer wireless terminal 605 information in the image contents captured and generated on the memory; After the watermarking method is included, the watermarking may include an image file including image content including the watermarking.

According to another exemplary embodiment of the present invention, a financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may include the financial company server 610 in the terminal device 600. Image content that captures document content including at least one of customer information included in the financial account opening application information received from the account information, an account opening phone number information, a telephone registration confirmation agreement information, and a wireless terminal 605 information. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). And at least one word processor file or web document file including MHT).

Alternatively, the financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may include financial account opening application information received by the financial company server 610 from the terminal device 600. Image content (e.g., the document content is captured), which captures document content including at least one of customer information, account opening phone number information, account registration confirmation agreement information, and customer wireless terminal 605 information included in the information. Watermarking information of at least one of customer information included in the financial account opening application information, account opening phone number information, telephone registration confirmation consent information, and customer wireless terminal 605 information in the image content generated by capturing the image on the screen). A document file (eg, PDF (Portable Documen) is generated that generates image content including the watermarking method and includes the image content including the watermarking. t Format) file, EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may be configured by the financial company server 610 in the terminal device 600. Captured document contents including at least one of customer information included in the financial account opening application information received from the information), the account number for opening the account, the telephone registration confirmation consent information, and the customer wireless terminal 605 information. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing content (e.g., image content generated by capturing the document content on a memory) and the financial account opening application information. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the financial account opening electronic document stored in the electronic document D / B 698 by the electronic document storage unit 695 may include financial account opening application information received by the financial company server 610 from the terminal device 600. Image content (e.g., the document content is captured), which captures document content including at least one of customer information, account opening phone number information, account registration confirmation agreement information, and customer wireless terminal 605 information included in the information. Watermarking information of at least one of customer information included in the financial account opening application information, account opening phone number information, telephone registration confirmation consent information, and customer wireless terminal 605 information in the image content generated by capturing the image on the screen). Generating image content including a watermarking method, and including the image content including the watermarking and the financial account opening application information. Including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 698 by the electronic document storage unit 695 in association with the financial account opening electronic document is stored in the financial account opening electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 698 by the electronic document storage unit 695 in association with the financial account opening electronic document is stored in the financial account opening. The financial institution server 610 which has transmitted the electronic document preferably further includes information on the financial institution which has transmitted the opened financial account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 610, the electronic document storage unit 695 processes the electronic document by linking the electronic document opening electronic document. The electronic document management information stored in the document D / B 698 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial account opening application information, and / or opening the financial account). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the application for opening the financial account, etc.).

Referring to FIG. 6, the financial institution server 610 opens the financial account including the telephone number, and then calls the telephone by the wireless terminal corresponding to the information of the customer wireless terminal 605 included in the financial account opening application information. It is preferable to further include a program providing unit 655 for providing and mounting a predetermined banking program (or banking virtual machine) for processing a financial transaction (or payment) using a financial account including a number.

According to an exemplary embodiment of the present invention, the program providing unit 655 may include a wireless communication network to which the customer wireless terminal 605 is subscribed based on the customer wireless terminal 605 information included in the financial account opening application information. Check a predetermined banking program (or virtual machine for banking) that can be mounted on the customer wireless terminal 605, and the banking program (or virtual machine for banking) through the wireless communication network in an OTA (Over To Air) manner. It is preferable to provide the customer wireless terminal 605 to mount it.

According to another embodiment of the present invention, the program providing unit 655 is a predetermined banking that can be mounted on the customer wireless terminal 605 based on the customer wireless terminal 605 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the banking program (or virtual machine for banking) to the terminal device 600 through the network means to provide a banking program to the customer wireless terminal 605. Or a virtual machine for banking).

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

7 is a diagram illustrating the structure of ledger information corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 7 shows the general ledger information structure corresponding to the financial account opened by the telephone number through the financial account opening system shown in Figure 6, the general knowledge in the technical field to which the present invention belongs If the person having the present invention, various implementations of the ledger information corresponding to the opened financial account including the phone number in the ledger D / B 700 on the financial system 670 by referring to and / or modifying the present figure 7 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in the DBMS on the financial system 670 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (700) provided in the DBMS on the financial system 670 has at least one ledger (for example, ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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

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

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

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

8A and 8B illustrate a process of opening a financial account including a telephone number in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are webs in which the terminal device 600 on the financial account opening system shown in FIG. 6 is a client terminal, and the financial institution server 610 is accessible to a client terminal through predetermined network means. In the case of having a server function, a predetermined customer establishes a financial account for opening a financial account including a telephone number through the client terminal, the customer information, the telephone number information for opening an account, and the consent information of the telephone registration. When providing the financial account establishment application information including at least one of the customer wireless terminal 605 information, the financial account opening system in the customer information and account opening phone number information and telephone registration confirmation consent information and customer wireless terminal (605) A) including the phone number based on the application for opening a financial account including at least one information; An embodiment of the present invention relates to a method for opening and processing a financial account, and a person of ordinary skill in the art may refer to and / or modify the drawings 8a and 8b in the client terminal. It will be able to infer various implementation methods for registering the financial account opening application information to the financial company server 610, but the present invention includes all the implementation methods inferred, the implementation method shown in Figures 8a and 8b It is not limited to this.

For example, the implementation method shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage. As such, the present invention is not limited thereto.

8A and 8B provide a user interface through which the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 610. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 610, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 610 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information transmitted to the financial company server 610 are referred to as "financial account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, When a web page including a user interface for opening a financial account including a number is requested (800), the server correspondingly responds to the customer information, account opening phone number information, telephone registration confirmation consent information, and a customer wireless terminal ( 605) a user interface for inputting (or selecting) financial account opening application information including at least one information and transmitting the same to the server; Generates a web page (or extract), and 805, and outputs to send the web page containing the created user interface (or extraction) via the network means to the terminal 810.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the financial account opening application information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs financial account opening application information including at least one or more customer information, account opening phone number information, telephone registration confirmation consent information, and customer wireless terminal 605 information through a user interface included in the web page. (Or select) 815.

If the terminal receives (or selects) financial account opening application information including the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information through the user interface (820); In step 825, the terminal transmits the input (or selection) of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information to the server through the communication channel.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the financial account opening application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information. Encrypt using an encryption method (eg, a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or open the financial account. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption signatures. Have a predetermined certificate containing an encryption key, and / or the certificate is For a provided in the IC chip (or IC card), it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If the certificate is provided on a predetermined IC chip (or IC card), the blank provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

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

Thereafter, the server receives and reads the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information through the communication channel to confirm the validity of the financial account opening application information. (830).

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

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

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

According to an embodiment of the present invention, if the financial account opening application information received through the information receiving unit 625 further includes a predetermined password for checking the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening request information received through the information receiving unit 625 further includes predetermined security card information for checking the validity of the financial account opening request information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 625 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests for opening the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 660 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account error information and transmits the generated webpage to the terminal (840), and the financial account opening procedure is performed. Do not perform.

On the other hand, if the validity of the financial account opening application information is authenticated (835), the server includes at least one or more customer information including the financial account opening application information, account opening phone number information, telephone registration confirmation consent information, and customer wireless The terminal 605 generates predetermined document content including the information (845), and generates a predetermined financial account opening electronic document including the document content (850).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, account opening phone number information, telephone registration confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including the MHT) is preferably processed as a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. The watermarking method includes at least one of customer information included in the financial account opening application information, account information for opening an account, phone registration confirmation information, and telephone confirmation information and customer wireless terminal 605 information in the document contents. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the document content including the watermarking File, or a web document file including the MHT, etc.) to open a financial account for opening a financial account including the telephone number. It is preferred to process with.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A financial account opening electronic document for opening a financial account including the phone number, and an image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory); It is preferable to treat with.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. And the customer information included in the financial account opening application information, the telephone number information for opening an account, and the telephone subscription to the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). After including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, opening a financial account including the phone number an image file including the image content including the watermarking method. It is advisable to process financial documents in an electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. A financial account including the telephone number by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is preferable to process the electronic document for opening a financial account.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. And the customer information included in the financial account opening application information, the telephone number information for opening an account, and the telephone subscription to the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). Create a document content including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, and includes a document file (eg, PDF ( At least one Portable Document Format (EDI) file, Electronic Data Interchange (EDI) file, or HWP / DOC It is preferable that by creating a web page file, and so on) that include the word-processor file, or MHT, treated with a financial account opened electronic document for the financial account opening including the phone number.

According to another exemplary embodiment of the present invention, the server includes at least the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 605 information included in the received financial account opening application information. A predetermined document including one or more document contents including one or more document contents and capturing the document contents (e.g., image contents generated by capturing the document contents on a memory) and the financial account opening application information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server generates document content including at least one of customer information included in the received financial account opening application information, account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605 information. And the customer information included in the financial account opening application information, the telephone number information for opening an account, and the telephone subscription to the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). Generating image content including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, the image content including the watermarking and the financial account opening application information; Document files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP) It is preferable to generate a financial account opening electronic document for opening a financial account including the telephone number by generating a word processor file including at least one of / DOC or the like, or a web document file including the MHT.

Those skilled in the art to which the present invention pertains are provided with the technical features that the server generates a financial account opening electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial account opening electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 680 and an electronic document D / B 698 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening electronic document to the electronic document server 680 through the communication means to store in the electronic document D / B (698).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server corresponds to the electronic document storage on the DBMS provided in the financial account opening system. Can be stored in the electronic document D / B 698, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the electronic account opening electronic document in the electronic document storage is performed by linking the generated financial account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 698.

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

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

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

If the financial account opening electronic document is stored in the electronic document repository (860), the server includes the customer information included in the financial account opening application information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal. The financial account information is generated based on the information (865).

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

Thereafter, the server is connected with the financial system 670 based on the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information included in the financial account opening application information. A financial account of the customer's name including the financial account information is opened (870).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 670 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the financial account; It characterized in that the opening of the financial account containing the phone number.

When the server and the financial system 670 exist in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 700 in association with the financial system 670. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 670 exist on another system connected through a predetermined communication means, the server is connected to the financial system 670 through a predetermined communication means. It is preferable to request the general ledger D / B 700 on the other financial system 670 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates (or extracts) predetermined financial account opening history information (eg, the history of opening the financial account, and / or the history of storing the financial account opening electronic document in the electronic document storage), and sends it to the terminal. Transmit (875).

Thereafter, the server is a wireless terminal corresponding to the customer wireless terminal 605 information included in the financial account opening application information for a predetermined transaction for processing a financial transaction (or payment) using the financial account including the phone number. A banking program (or virtual machine for banking) is provided and mounted (880).

According to an exemplary embodiment of the present invention, the program providing unit 655 may include a wireless communication network to which the customer wireless terminal 605 is subscribed based on the customer wireless terminal 605 information included in the financial account opening application information. Check a predetermined banking program (or virtual machine for banking) that can be mounted on the customer wireless terminal 605, and the banking program (or virtual machine for banking) through the wireless communication network in an OTA (Over To Air) manner. It is preferable to provide the customer wireless terminal 605 to mount it.

According to another embodiment of the present invention, the program providing unit 655 is a predetermined banking that can be mounted on the customer wireless terminal 605 based on the customer wireless terminal 605 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the banking program (or virtual machine for banking) to the terminal device 600 through the network means to provide a banking program to the customer wireless terminal 605. Or a virtual machine for banking).

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account including a telephone number according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 610 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits a predetermined financial account opening application information to the internet banking server to open a financial account for opening a financial account including the phone number, the customer information and account in the internet banking server. Financial system including at least one opening phone number information and the telephone registration confirmation consent information and customer wireless terminal (605) information The present invention relates to an implementation method of opening and processing the financial account for opening a financial account including the phone number based on the application for opening a seat. 9b and 9c may be inferred with various implementation methods for registering the financial account opening application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. It is not limited to the embodiment shown in Figures 9a, 9b and 9c.

In other words, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C. Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account establishment application information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is disclosed. In the case of a person having the Internet banking method, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C is referred to and / or modified, based on a predetermined Internet banking program mounted on the client terminal. Client terminal and internet banking stand Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account opening application information between the burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering financial account opening information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

In addition, although the method shown in FIGS. 9A, 9B, and 9C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 610 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also to be provided to the server for registration of financial account opening application information in the terminal. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of financial account opening application information. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined financial account opening application information for opening a financial account including a phone number from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for opening a financial account including the phone number to the server through an internet banking-based financial transaction channel (900b), the server correspondingly requests the customer information. And a user interface for inputting (or selecting) financial account opening application information including at least one of account opening phone number information, telephone subscription confirmation consent information, and customer wireless terminal 605 information. A web page is generated (or extracted) (905b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (910b).

According to an embodiment of the present invention, the web page includes financial account opening application information including at least one of customer information, an account opening phone number information, a telephone subscription confirmation agreement information, and a customer wireless terminal 605 information in the terminal. It may preferably comprise a user interface for inputting (or selecting) and / or predetermined password and / or security card information (or to verify validity for an Internet banking customer requesting to register the financial account opening information). For example, the security card information printed on the security card issued to the customer during the internet banking application process and / or one time password (OTP) (for example, after the internet banking application process (or after the internet banking application) is provided to the customer by the financial institution. User interface for entering an OTP authenticator (or one-time password generated by the OTP authenticator) It is preferable to further include a switch.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the financial account opening application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs the financial account opening application information including at least one of the customer information, the telephone number information for opening an account, the telephone registration confirmation agreement information, and the wireless client information 605 through the financial account opening interface ( Or select 915b).

If the terminal receives (or selects) financial account opening application information including the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information through the user interface (920b); In operation 925b, the terminal transmits the input (or selection) of the financial account opening application information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the financial account opening application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the financial account It is preferable to attach a predetermined electronic signature to the establishment application information and transmit it to the server through the network means. For this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one. A predetermined public certificate including the above encryption key is provided, and / or the public certificate is For a provided in the IC chip (or IC card), it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one or more financial account opening application information including at least one of the customer information, the account opening phone number information, the telephone subscription confirmation agreement information, and the customer wireless terminal 605 information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If the certificate is provided on a predetermined IC chip (or IC card), the blank provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

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

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

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

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

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

According to an embodiment of the present invention, if the financial account opening application information received through the information receiving unit 625 further includes a predetermined password for checking the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening request information received through the information receiving unit 625 further includes predetermined security card information for checking the validity of the financial account opening request information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 625 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests for opening the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity of the financial account opening application information may be determined based on a predetermined communication network based on the telephone number information and the telecommunication company information included in the account opening telephone number information included in the financial account opening application information. By providing the customer information and the telephone number information included in the financial account opening application information to the telecommunication company server 660 corresponding to the telecommunication company information, the telephone number used by the customer (or subscribed in the name of the customer) to the telecommunication company It is preferable to include making sure that is subscribed.

If the validity of the financial account opening application information is not authenticated (935b), the server generates a web page including predetermined financial account error information and transmits the generated webpage to the terminal (940b), and the procedure for opening the financial account opening process is performed. Do not perform.

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server includes at least one or more customer information including the financial account opening application information, account opening phone number information, telephone registration confirmation consent information, and customer wireless information. The terminal 605 generates predetermined document content including the information (945b), and generates a predetermined financial account opening electronic document including the document content (950c).

According to an exemplary embodiment of the present invention, the server includes at least one of customer information, account opening phone number information, telephone registration confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including the MHT) is preferably processed as a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. The watermarking method includes at least one of customer information included in the financial account opening application information, account opening phone number information, telephone registration confirmation consent information, and customer wireless terminal 605 information in the document contents. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or an electronic document for opening a financial account for opening a financial account including the telephone number) It is preferred to process with.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A financial account opening electronic document for opening a financial account including the phone number, and an image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory); It is preferable to treat with.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. And the customer information included in the financial account opening application information, the telephone number information for opening an account, and the telephone subscription to the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). After including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, opening a financial account including the phone number an image file including the image content including the watermarking method. It is advisable to process financial documents in an electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. A financial account including the telephone number by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is preferable to process the electronic document for opening a financial account.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. And the customer information included in the financial account opening application information, the account opening telephone number information, and the telephone in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. A document file (eg, PDF) that generates image content including at least one or more of the subscription confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, or at least one or more HWP / DOC It is preferable that by creating a web page file, and so on) that include the word-processor file, or MHT, treated with a financial account opened electronic document for the financial account opening including the phone number.

According to another exemplary embodiment of the present invention, the server includes at least the customer information, the account opening phone number information, the telephone registration confirmation consent information, and the customer wireless terminal 605 information included in the received financial account opening application information. A predetermined document including one or more document contents including one or more document contents and capturing the document contents (e.g., image contents generated by capturing the document contents on a memory) and the financial account opening application information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process a financial account opening electronic document for opening a financial account including the telephone number.

Alternatively, the server generates document contents including at least one of customer information, account opening phone number information, telephone subscription confirmation agreement information, and customer wireless terminal 605 information included in the received financial account opening application information. And the customer information included in the financial account opening application information, the telephone number information for opening an account, and the telephone subscription to the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). Generating image content including at least one or more information of the confirmation consent information and the information of the customer wireless terminal 605 by a watermarking method, the image content including the watermarking and the financial account opening application information; Document files (e.g. Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to process the financial account opening electronic document for opening a financial account including the phone number.

Those skilled in the art to which the present invention pertains are provided with the technical features that the server generates a financial account opening electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial account opening electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 680 and an electronic document D / B 698 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening electronic document to the electronic document server 680 through the communication means to store in the electronic document D / B (698).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the server corresponds to the electronic document storage on the DBMS provided in the financial account opening system. Can be stored in the electronic document D / B 698, and the present invention is not limited thereto.

According to an embodiment of the present invention, the storing of the electronic account opening electronic document in the electronic document storage is performed by linking the generated financial account opening electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 698.

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

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

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

If the financial account opening electronic document is stored in the electronic document storage (960c), the server includes the customer information included in the financial account opening application information, the telephone number information for the account opening, the telephone registration confirmation consent information, and the customer wireless terminal. The financial account information is generated based on the information (605c).

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

Thereafter, the server is connected with the financial system 670 based on the customer information, the account opening phone number information, the telephone registration confirmation agreement information, and the customer wireless terminal 605 information included in the financial account opening application information. In step 970c, a financial account of the customer's name including the financial account information is opened.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 670 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the financial account; It characterized in that the opening of the financial account containing the phone number.

When the server and the financial system 670 exist in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 700 in association with the financial system 670. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 670 exist on another system connected through a predetermined communication means, the server is connected to the financial system 670 through a predetermined communication means. It is preferable to request the general ledger D / B 700 on the other financial system 670 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates (or extracts) predetermined financial account opening history information (eg, the history of opening the financial account, and / or the history of storing the financial account opening electronic document in the electronic document storage), and sends it to the terminal. Transmit 975c.

Thereafter, the server is a wireless terminal corresponding to the customer wireless terminal 605 information included in the financial account opening application information for a predetermined transaction for processing a financial transaction (or payment) using the financial account including the phone number. A banking program (or virtual machine for banking) is provided and mounted (980c).

According to an exemplary embodiment of the present invention, the program providing unit 655 may include a wireless communication network to which the customer wireless terminal 605 is subscribed based on the customer wireless terminal 605 information included in the financial account opening application information. Check a predetermined banking program (or virtual machine for banking) that can be mounted on the customer wireless terminal 605, and the banking program (or virtual machine for banking) through the wireless communication network in an OTA (Over To Air) manner. It is preferable to provide the customer wireless terminal 605 and mount it.

According to another embodiment of the present invention, the program providing unit 655 is a predetermined banking that can be mounted on the customer wireless terminal 605 based on the customer wireless terminal 605 information included in the financial account opening application information. Check the program (or virtual machine for banking), and provide the banking program (or virtual machine for banking) to the terminal device 600 through the network means to provide a banking program to the customer wireless terminal 605. Or a virtual machine for banking).

According to an embodiment of the present invention, the banking program (or a virtual machine for banking) is a predetermined account transfer service, a payment service using a predetermined merchant terminal, a predetermined transaction using a financial account opened including the phone number, It is preferable to include a program code for processing a bank transfer (or cash withdrawal) service, or giro payment service through the automated teller machine.

Hereinafter, a predetermined non-face-to-face financial transaction (or payment settlement or collection process, etc.) using a financial account opened including the phone number in a predetermined terminal device having (or providing) a predetermined non-face-to-face financial transaction channel. It will be described by showing an implementation method of performing).

Here, the non-face-to-face financial transaction channel using the financial account opened, including the phone number is a customer wireless terminal 105 having a predetermined banking program (or a virtual machine for banking) as shown in Figure 1 or 6 It is preferable to include a non-face-to-face financial transaction of the VM banking method using the 605.

Alternatively, a non-face-to-face financial transaction channel using the financial account established by including the telephone number is a WAP (Wireless Application Protocol) that accesses a predetermined wireless banking server and processes a predetermined financial transaction in a wireless terminal having a predetermined browser function. It is desirable to include non-face-to-face financial transactions with banking.

Alternatively, the non-face-to-face financial transaction channel using the financial account established by including the telephone number may be a predetermined telebanking in a wireless terminal (eg, a mobile phone) or a wired terminal (eg, a landline) having a predetermined voice call function. It is preferable to include a non-face-to-face financial transaction of the telebanking method that accesses a server and processes a predetermined financial transaction.

Alternatively, a non-face-to-face financial transaction channel using the financial account established by including the phone number is contracted to use the non-face-to-face financial transaction channel for call processing including a predetermined banking identification number in cooperation with the financial institution and the telecommunication company. After the conclusion, the banking identification number and the predetermined deposit number (or the deposit number and the transaction amount, etc.) are input from a wireless terminal (for example, a mobile phone) or a wired terminal (for example, a landline phone) having a predetermined voice call function. When the call processing request is made, the communication company transmits the deposit number (or the deposit number and the transaction amount, etc.) to the server provided at the financial institution according to the agreement, thereby receiving the deposit number (or the deposit number and the transaction amount). It is preferable to include a non-face-to-face financial transaction to process a predetermined financial transaction based on.

Those skilled in the art to which the present invention belongs, various non-face-to-face financial transaction channels (eg, TV banking, home banking, etc.) using the financial account opened by including the telephone number in addition to the non-face-to-face financial transaction channel described above It can be inferred, but the present invention is characterized in that it comprises all the non-face-to-face financial transaction channels inferred.

Hereinafter, the non-face-to-face financial transaction channel shown below includes a non-face-to-face financial transaction channel of a VM banking method using a customer wireless terminal having a predetermined banking program (or virtual machine for banking) among the non-face-to-face financial transaction channels described above. It is considered to be made by.

10 is a diagram illustrating a non-face-to-face financial transaction system for bank transfer transactions according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a predetermined terminal device including a wireless terminal for a financial transaction corresponding to a financial account opened through a financial account opening system shown in FIG. If the financial transaction request information including at least one withdrawal number information, the deposit number information, and the deposit bank information is provided to the financial transaction system through the financial transaction system (1000), the financial transaction request information provided by the financial transaction system is provided. A system configuration for providing the bank transfer transaction using the withdrawal number information, the deposit number information, and the deposit bank information included in the present invention. By reference and / or modification, one can infer various implementation methods for the construction of the financial transaction system. Invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 10.

Hereinafter, at least one means and / or functional configuration for providing the account transfer transaction using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component is referred to as a "financial transaction server 1005" for convenience, and in FIG. 10, the financial transaction server 1005 includes all of at least one of an internet banking server, a telebanking server, a TV banking server, a home banking server, and the like. It is preferable to include a kind of non-face-to-face banking server.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, when the deposit number information is changed to a predetermined bill phone number with reference to the financial transaction system shown in FIG. Through the financial account opening system shown in FIG. 1, it is possible to infer a method of paying a predetermined amount of giro payment through a financial account opened with a predetermined telephone number. It is characterized by comprising.

Referring to this drawing 10 according to the embodiment of the present invention, the financial transaction system, non-face-to-face financial transactions using a financial account including a telephone number opened through the financial account opening system shown in Figure 1 or 6 A financial transaction server that is connected to the terminal device 1000, a wireless communication network corresponding to a communication network to which the terminal device 1000 is connected, and the terminal device 1000 through the wireless communication network to process the account transfer transaction. And a financial system including a ledger corresponding to the opened financial account, including a telephone number, through the financial account opening system shown in FIG. 1 or FIG. 6.

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 6. It characterized by comprising a predetermined account ledger corresponding to the financial account opening, including the phone number through the illustrated financial account opening system.

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

According to an embodiment of the present invention, the withdrawal number information, the deposit number information, and the deposit bank information for the account transfer transaction through the at least one user interface provided (or provided) to the customer at the terminal device 1000. When inputting (or selecting) financial transaction request information including at least one, the terminal device 1000 preferably transmits the financial transaction request information to the financial transaction server 1005 through a wireless communication network connected thereto.

Here, the terminal device 1000 connected to the wireless communication network includes all the terminal devices connected to the code division multiple access (CDMA) based mobile communication network, and / or all the terminal devices connected to the high-speed downlink packet access (HSDPA) based wireless communication network. , And / or all terminal devices connected to the IEEE 802.16x based portable Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network, Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA based It comprises line radio communication terminals connected to the network, or the IEEE 802.16x based portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network such as a wireless data communication terminal connected to the at least one are preferred.

In addition, the wireless communication network connecting the terminal device 1000 and the financial transaction server 1005 may be a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network according to the type of wireless communication network to which the terminal device 1000 is connected. Or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval. .

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the terminal device 1000, a detailed description thereof will be omitted for convenience.

The financial transaction server 1005 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the terminal device 1000 through a predetermined wireless communication network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 1005 is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or the wireless banking. A predetermined server (or device) accessible to the outside world of the financial system through a system, a program included in the server (or device), and / or the wireless banking server (and / or the server (or device)) It may be a server (or device) provided in the external world on the financial system accessible through), and / or a program provided in the external world on the financial system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial transaction server 1005 includes an interface unit 1010 for connecting and managing a predetermined communication channel with the terminal device 1000 through the wireless communication network. .

According to an embodiment of the present invention, when the terminal device 1000 is connected to a predetermined wireless communication network, the interface unit 1010 may be connected to the terminal device 1000 based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the terminal apparatus 1000.

Referring to FIG. 10, the financial transaction server 1005 includes at least one withdrawal number information, a deposit number information, and a deposit bank information through at least one user interface provided (or provided) in the terminal device 1000. When the financial transaction request information is input (or selected) and transmitted, the financial transaction request information including the at least one withdrawal number information, the deposit number information, and the deposit bank information is linked with the interface unit 1010. An information receiving unit 1015, an account validity checking unit 1025 for checking an account number corresponding to the withdrawal number information and the deposit number information included in the financial transaction request information, and a predetermined value including the account number verification result Characterized in that it comprises an information transmitting unit 1020 for transmitting the financial transaction confirmation information to the terminal device (1000).

In addition, the financial transaction server 1005, if the account number corresponding to the deposit number information is not confirmed by the account validity verification unit 1025, a virtual to open a predetermined virtual account including the deposit number information It further comprises an account processing unit 1040.

The terminal device 1000 inputs (or selects) financial transaction request information including at least one of the withdrawal number information, the deposit number information, and the deposit bank information through the user interface, and the financial transaction server through the wireless communication network. It characterized in that the transmission to (1005).

The information receiving unit 1015 includes financial transaction request information including at least one withdrawal number information, a deposit number information, and a deposit bank information through at least one or more user interfaces provided in (or provided) in the terminal apparatus 1000. When inputting (or selecting) and transmitting through the wireless communication network, the financial transaction request information is received in cooperation with the interface unit 1010.

According to the exemplary embodiment of the present invention, the financial transaction request information transmitted from the terminal device 1000 to the financial transaction server 1005 for the wire transfer transaction includes predetermined withdrawal number information, a deposit number information, and a deposit bank. Characterized in that it comprises at least one or more information.

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account number including the telephone number according to the intention of a person skilled in the art. It is possible to directly comprise a, by which the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1000 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the financial transaction server 1005 sends the terminal device 1000. It is possible to confirm the withdrawal number information with reference to the number information.

Preferably, the deposit number information includes a phone number corresponding to a deposit account to be deposited by transferring the money transfer amount withdrawn from the financial account corresponding to the withdrawal number, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number to be made directly, whereby the present invention is not limited.

According to another embodiment of the present invention, the deposit number information may be directly included in the conventional deposit account number, whereby the present invention is not limited.

Preferably, the deposit bank information includes financial institution code information in which a financial account corresponding to the deposit number information is opened, and the deposit bank information is provided through the financial account opening system shown in FIG. 1 or 6. It is preferable that the financial institution code information including a financial account including a telephone number is formed, or an external financial institution code connected to another financial institution through a predetermined financial common network is included.

When the withdrawal number information included in the financial transaction request information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity checking unit 1025 Inquiring an account number including a phone number corresponding to the withdrawal number information in connection with the financial system, it is characterized in that the predetermined account number including the withdrawal number information for the bank transfer transaction.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal apparatus 1000 information match), the account validity The identification unit 1025 confirms the caller ID information corresponding to the terminal device 1000 (for example, the terminal device 1000 in association with a predetermined wireless carrier server (not shown) to which the terminal device 1000 is subscribed). Confirming the calling party number information corresponding to the identification number, or checking the calling party number information included in the communication protocol for transmitting / receiving the financial transaction request information), and considering the calling number information as the withdrawal number information, and then linking with the financial system. Search for an account number including a phone number corresponding to the withdrawal number information, and include a withdrawal number information for the wire transfer transaction. It is characterized by checking the account number.

If the deposit number information included in the financial transaction request information includes a predetermined phone number, the account validity checking unit 1025 is connected to the banking system corresponding to the deposit bank information and corresponds to the deposit number information. By querying the account number including the number, characterized in that for confirming the predetermined account number including the deposit number information for the bank transfer transaction.

If the account number including the phone number corresponding to the deposit number information is not confirmed, the virtual account processing unit 1040 includes a phone number corresponding to the deposit number using a predetermined real account as a mother account. Characterized in that the opening of a virtual account, wherein the parent account includes a financial account corresponding to the withdrawal number information, or the financial institution opened by the financial institution for account transfer processing between financial accounts using the phone number It is preferable to include a financial account in the name.

The information transmitter 1020 transmits predetermined financial transaction confirmation information including the account number result (for example, a withdrawal account number, a deposit account number (or a virtual account number), etc.) to the terminal device 1000. In response, the terminal device 1000 outputs the received financial transaction confirmation information, and inputs (or selects) financial transaction processing information including predetermined transaction authentication information and an amount of money transfer. Characterized in that the transmission to the financial transaction server 1005 through a wireless communication network.

Referring to FIG. 10, the financial transaction server 1005 may include at least one transaction authentication information and at least one account transfer amount information through at least one user interface provided (or provided) in the terminal device 1000. When the transaction processing information is input (or selected) and transmitted, the information receiving unit 1015 receiving the financial transaction processing information including at least one of the transaction authentication information and the money transfer amount information in association with the interface unit 1010. And a transaction validity confirming unit 1030 for confirming the validity of the transaction authentication information included in the financial transaction processing information and the amount of the money transfer, and based on the financial transaction request information verified in association with the financial system. In connection with the financial transaction processing unit 1035 and the financial transaction processing unit 1035 for processing the bank transfer transaction to the account transfer transaction. And an information transmitter 1020 for generating predetermined financial transaction result information and transmitting the financial transaction result information to the terminal device 1000 in association with the interface unit 1010.

The information receiving unit 1015 inputs (or provides) financial transaction processing information including at least one transaction authentication information and account transfer amount information through at least one or more user interfaces provided in the terminal apparatus 1000 (or provided). And transmits through the wireless communication network, and receives the financial transaction processing information in association with the interface unit 1010.

Preferably, the account transfer amount information includes a financial transaction amount to be withdrawn from the financial account corresponding to the withdrawal number information for the bank transfer transaction and transferred to the deposit account corresponding to the deposit number information. It is preferable that the transfer amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information secures the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation corresponding to the bank transfer transaction using the financial account corresponding to the withdrawal number information. Information for the purpose, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the bank transfer transaction.

According to an embodiment of the present invention, in the characteristic of the financial transaction system shown in FIG. 10, wherein the account transfer transaction is performed through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It is preferred that the security card further comprises at least one or more security code information provided, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

The transaction validity confirming unit 1030 may check whether the financial transaction processing information received from the terminal device 1000 satisfies the validity for the transfer of money.

According to an embodiment of the present invention, the validity check of the financial transaction processing information may be performed to the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction processing information and the financial account. And comparing the various passwords (or linked) provided on the account ledger provided with each other, and checking whether the various passwords corresponding to the transaction authentication information match. If is matched, the validity of the financial transaction processing information is preferably authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the transaction authentication information further includes predetermined security code information, the validity of the financial transaction processing information is determined by the security code information and the financial information. The security code information corresponding to the transaction authentication information is compared with the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system corresponding to the account. It is preferable to include whether the match is made, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction processing information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 10, when the transaction authentication information further includes a predetermined OTP code, validation of the financial transaction processing information is provided to the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the generated OTP generator, compares the OTP code and the OTP authentication code, and whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code It is preferable to include a confirmation, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction processing information is authenticated.

In addition, when the financial transaction processing information is encrypted through a predetermined encryption key, the validity of the financial transaction processing information may be determined by using the encrypted financial transaction processing information. And decrypting the data, and checking whether the decryption is normally performed. When the decryption is normally performed, the validity of the financial transaction processing information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In this case, the validity check of the financial transaction processing information may include confirming the electronic signature of the customer with respect to the financial transaction processing information to which the electronic signature is attached, and wherein the electronic signature of the customer is confirmed. It is preferable that the validity of the financial transaction processing information is authenticated.

In addition, the validity check on the financial transaction processing information includes the amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction processing information. It is preferable to include whether the amount is greater than the amount of the debit transfer, and if the balance of the financial account is greater than the amount of the debit, it is preferable that the validity of the financial transaction processing information is authenticated.

When the validity of the financial transaction processing information is confirmed, the financial transaction processing unit 1035 may include a financial system including an account ledger corresponding to the withdrawal number information, and a financial system including an account ledger corresponding to the deposit number information. And the account transfer transaction corresponding to the financial transaction request information and the financial transaction processing information.

According to the implementation method of the present invention, the financial transaction processing unit 1035 withdraws the amount corresponding to the wire transfer amount information from the financial account corresponding to the withdrawal number information in association with the financial system to correspond to the deposit bank information. It is characterized in that for transferring the account transfer amount to a financial account corresponding to the deposit number information in connection with the financial system.

When the bank transfer transaction is processed by the financial transaction processing unit 1035, the information transmission unit 1020 is linked with the financial transaction processing unit 1035 to confirm a financial transaction approval history or a financial transaction error history. Generating a financial transaction processing history including any one, and transmitting the financial transaction result information including the financial transaction processing history to the terminal apparatus 1000 through the wireless communication network in association with the interface unit 1010; It features.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the terminal device 1000 through the wireless communication network. The financial transaction result information may include the financial transaction request. It is preferable that the information is encrypted similarly to the information, or the electronic signature of the financial institution is attached and transmitted to the terminal device 1000.

11 illustrates a non-face-to-face financial transaction process for bank transfer transactions according to one embodiment of the present invention.

In more detail, FIG. 11 illustrates a process of processing a wire transfer transaction in a non-face-to-face manner through the terminal device illustrated in FIG. 1 or 6 in the financial transaction system illustrated in FIG. 10. Those skilled in the art may refer to and / or modify this drawing 11 to infer various implementation methods for the wire transfer transaction process, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the terminal device 1000 illustrated in FIG. 10 is referred to as a “terminal” for convenience, and the financial transaction server 1005 is referred to as a “server” for convenience.

Referring to FIG. 11, the terminal inputs (or selects) financial transaction request information including at least one predetermined withdrawal number information, a deposit number information, and a deposit bank information through a predetermined non-face-to-face financial transaction channel (1100). In step 1105, the financial transaction request information is transmitted to the server through a predetermined wireless communication network.

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1000 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the financial transaction server 1005 sends the terminal device 1000. It is possible to confirm the withdrawal number information with reference to the number information.

Preferably, the deposit number information includes a phone number corresponding to a deposit account to be deposited by transferring the money transfer amount withdrawn from the financial account corresponding to the withdrawal number, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number to be made directly, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the deposit number information may include a conventional deposit account number directly, and thus the present invention is not limited thereto.

Preferably, the deposit bank information includes financial institution code information in which a financial account corresponding to the deposit number information is opened, and the deposit bank information is provided through the financial account opening system shown in FIG. 1 or 6. It is preferable that the financial institution code information including a financial account including a telephone number is formed, or an external financial institution code connected to another financial institution through a predetermined financial common network is included.

Thereafter, the server reads the financial transaction request information and checks the account validity corresponding to the withdrawal number information (or the deposit number information) (1110).

In the case where the withdrawal number information included in the financial transaction request information includes the telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6 according to the method of the present invention, the server Inquiring the account number including the phone number corresponding to the withdrawal number information in conjunction with the financial system, it characterized in that the predetermined account number including the withdrawal number information for the bank transfer transaction.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information matches the telephone number corresponding to the terminal apparatus 1000 information), the server Check the caller ID information corresponding to the terminal apparatus 1000 (for example, the caller ID corresponding to the terminal apparatus 1000 in association with a predetermined wireless communication company server (not shown) to which the terminal apparatus 1000 is subscribed). Check the information, or check the calling number information included in the communication protocol for transmitting / receiving the financial transaction request information), and considering the calling number information as the withdrawal number information, the withdrawal number information in association with the financial system. By checking the account number including the telephone number corresponding to the, confirm a predetermined account number including the withdrawal number information for the transfer account transaction; And that is characterized.

If the deposit number information included in the financial transaction request information includes a predetermined telephone number, the server may be linked to a financial system corresponding to the deposit bank information, and the account number may include a telephone number corresponding to the deposit number information. By querying, characterized in that for confirming a predetermined account number including the deposit number information for the bank transfer transaction.

If the verification result is that the account number including the telephone number corresponding to the deposit number information is not confirmed, the server opens a virtual account including the telephone number corresponding to the deposit number using a predetermined real account as a mother account. Wherein the parent account includes a financial account corresponding to the withdrawal number information, or a financial account in the name of the financial institution established for the bank transfer processing between the financial accounts using the phone number in the financial institution; It is preferable to comprise a.

If the validity of the account is confirmed (1115), the server sends predetermined financial transaction confirmation information including the account number result (eg, withdrawal account number, deposit account number (or virtual account number), etc.) to the terminal device ( 1000, and in response thereto, the terminal outputs the received financial transaction confirmation information through a non-face-to-face financial transaction function, and provides financial transaction processing information including predetermined transaction authentication information and an amount of money transfer. Enter (or select) 1125.

Here, the money transfer amount information preferably includes a financial transaction amount to be withdrawn from the financial account corresponding to the withdrawal number information and transferred to the deposit account corresponding to the deposit number information for the account transfer transaction. It is preferable that the amount of the wire transfer does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information secures the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation corresponding to the bank transfer transaction using the financial account corresponding to the withdrawal number information. Information for the purpose, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the bank transfer transaction.

According to an embodiment of the present invention, in the characteristic of the financial transaction system illustrated in FIG. 11, wherein the account transfer transaction is performed through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. It is preferable to further include at least one security code information provided in the security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

Thereafter, when the terminal transmits the financial transaction processing information to the server through the wireless communication network (1130), the server reads the financial transaction processing information and verifies the validity of the transaction (1135).

According to the implementation method of the present invention, the transaction validity check is performed on the account ledger provided in the ledger D / B on the financial system in correspondence with various passwords corresponding to the transaction authentication information included in the financial transaction processing information and the financial account. And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is preferable that the validity of the financial transaction processing information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 11, when the transaction authentication information further includes predetermined security code information, the transaction validity check corresponds to the security code information and the financial account. Checking whether the security code information corresponding to the transaction authentication information matches with the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system. Preferably, when the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction processing information is preferably authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 11, when the transaction authentication information further includes a predetermined OTP code, the transaction validity check matches the OTP code and the OTP generator paid to the customer. Generating a predetermined OTP authentication code based on the generated OTP information, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. Preferably, when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction processing information is authenticated.

In addition, when the financial transaction processing information is encrypted through a predetermined encryption key, the transaction validation checks the encrypted financial transaction processing information by decrypting the encrypted financial transaction processing information. It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction processing information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 11, the electronic signature of the customer is attached to the financial transaction processing information through a predetermined private key (eg, an encryption key including an accredited certificate issued to the customer). In this case, the validity of the transaction is preferably included in confirming the electronic signature of the customer with respect to the financial transaction processing information to which the electronic signature is attached, and, if the electronic signature of the customer is confirmed, the financial transaction processing information. It is desirable for the validity of to be authenticated.

In addition, the transaction validity confirmation is that the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) than the amount of the account transfer included in the financial transaction processing information. It is preferable to include a large number, and the validity of the financial transaction processing information is preferably authenticated when the financial account balance is greater than the amount of the transfer.

If the transaction validity is not authenticated (1140), the server generates a financial transaction processing history including predetermined financial transaction error information (1145), and the financial transaction including the financial transaction processing history through the wireless communication network. The result information is transmitted to the terminal and output (1165).

On the other hand, if the validity of the transaction is authenticated (1140), the server is connected to a financial system in which a financial account corresponding to the withdrawal number information is opened and a financial system in which a financial account (or virtual account) corresponding to the deposit number information is opened. In operation 1150, the financial transaction corresponding to the financial transaction request information and the financial transaction processing information is processed.

According to the method of the present invention, the server withdraws the amount corresponding to the money transfer amount information from the financial account corresponding to the withdrawal number information in association with the financial system and linked with the financial system corresponding to the deposit bank information. It is preferable to transfer the account transfer amount to a financial account corresponding to the deposit number information.

If the financial transaction processing is completed (1155), the server generates a financial transaction processing history including financial transaction approval information corresponding to the financial transaction result (1160), and the financial transaction processing history through the wireless communication network. The financial transaction result information including the transmission is output to the terminal (1165).

12 illustrates a non-face-to-face financial transaction system for cash withdrawal transactions through the financial terminal 1205 according to one embodiment of the present invention.

In more detail, FIG. 12 illustrates a terminal device 1200 including a wireless terminal for a financial transaction corresponding to a financial account opened by a predetermined telephone number through the financial account opening system shown in FIG. 1 or 6. When the financial transaction system provides financial transaction request information including at least one withdrawal number information and financial terminal 1205 information for cash withdrawal transaction through the financial terminal 1205, the financial transaction system provides the A system configuration for providing a cash withdrawal transaction through the financial terminal 1205 using the withdrawal number information and the financial terminal 1205 information included in the financial transaction request information, which is common in the art. Those skilled in the art can refer to and / or modify this drawing 12 to infer various implementation methods for the financial transaction system configuration. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art may refer to the financial transaction system for cash withdrawal transactions through the financial terminal 1205 shown in FIG. 10 and the financial transaction system shown in FIG. If the financial transaction request information further includes predetermined deposit number information and deposit bank information, an inferred method for processing a cash withdrawal transaction through a predetermined financial terminal 1205 through the financial terminal 1205 may be inferred. It will be appreciated that the present invention is characterized by including all implementation methods inferred.

Hereinafter, at least one means for providing a cash withdrawal transaction through the financial terminal 1205 using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. The component corresponding to the functional configuration is called "financial transaction server 1210" for convenience.

Referring to this drawing 12 according to the embodiment of the present invention, the financial transaction system, non-face-to-face financial transactions using a financial account including a telephone number opened through the financial account opening system shown in Figure 1 or 6 A terminal device 1200 for connection, a wireless communication network corresponding to a communication network to which the terminal device 1200 is connected, and a cash withdrawal through the financial terminal 1205 connected to the terminal device 1200 through the wireless communication network. A financial transaction server 1210 for processing transactions, a CD / ATM server 1245 for processing a predetermined cash withdrawal transaction in association with the financial terminal 1205, and a financial account opening system shown in FIG. It characterized in that it comprises a financial system equipped with a ledger corresponding to the opened financial account, including a telephone number through, the CD / ATM server 1245 according to the intention of those skilled in the art Mubang be provided with a CD / ATM transaction related FEP having a melting system, and to which the present invention is not limited.

Referring to FIG. 12, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 6. It characterized by comprising a predetermined account ledger corresponding to the financial account opening, including the phone number through the illustrated financial account opening system.

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

According to an embodiment of the present invention, the withdrawal number information for the cash withdrawal transaction through the financial terminal 1205 through the at least one user interface provided (or provided) in the terminal device 1200; When the financial transaction request information including at least one financial terminal 1205 information is input (or selected), the financial transaction request information is transmitted to the financial transaction server 1210 through a wireless communication network connected to the terminal device 1200. It is desirable to transmit.

In this case, the terminal device 1200 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network. And / or all terminal devices connected to the IEEE 802.16x based portable Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network, the CDMA based mobile communication network. A Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal and / or a Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal connected to and / or Or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA based It comprises line radio communication terminals connected to the network, or the IEEE 802.16x based portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network such as a wireless data communication terminal connected to the at least one are preferred.

The wireless communication network connecting the terminal device 1200 and the financial transaction server 1210 may be a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network according to the type of wireless communication network to which the terminal device 1200 is connected. Or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval. .

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the terminal device 1200, a detailed description thereof will be omitted for convenience.

The financial transaction server 1210 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the terminal device 1200 through a predetermined wireless communication network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 1210 is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or the wireless banking. A predetermined server (or device) accessible to the outside world of the financial system through a system, a program included in the server (or device), and / or the wireless banking server (and / or the server (or device)) It may be a server (or device) provided in the external world on the financial system accessible through), and / or a program provided in the external world on the financial system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial transaction server 1210 may include an interface unit 1215 for connecting and managing a predetermined communication channel with the terminal device 1200 through the wireless communication network. .

When the terminal device 1200 is connected to a predetermined wireless communication network according to an exemplary embodiment of the present invention, the interface unit 1215 may be connected to the terminal device 1200 based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the terminal device 1200.

Referring to FIG. 12, the financial transaction server 1210 includes at least one withdrawal number information and financial terminal 1205 information through at least one or more user interfaces provided (or provided) in the terminal device 1200. Information for receiving the financial transaction request information including at least one withdrawal number information and financial terminal 1205 information in conjunction with the interface unit 1215 when the financial transaction request information is input (or selected) and transmitted. The receiver 1220, an account validity verification unit 1230 for checking an account number corresponding to the withdrawal number information included in the financial transaction request information, and information about the financial terminal 1205 included in the financial transaction request information. A financial transaction request for providing an account number corresponding to the withdrawal number information to the confirmed information terminal 1235 and the identified financial terminal 1205 through a predetermined financial network; 1240, and after the cash withdrawal transaction is processed through the financial terminal 1205, the information transmission unit 1225 for transmitting the financial transaction result information to the terminal device 1200 in cooperation with the interface unit 1215. Characterized in that is made with.

The terminal device 1200 inputs (or selects) financial transaction request information including at least one of the withdrawal number information and the financial terminal 1205 information through the user interface and the financial transaction server through the wireless communication network ( 1210).

The information receiving unit 1220 inputs financial transaction request information including at least one withdrawal number information and financial terminal 1205 information through at least one user interface provided in (or provided) in the terminal device 1200. (Or select) the transmission through the wireless communication network, the financial transaction request information is received in connection with the interface unit 1215.

According to an embodiment of the present invention, the financial transaction request information transmitted from the terminal device 1200 to the financial transaction server 1210 for a cash withdrawal transaction through the financial terminal 1205 may include a predetermined withdrawal number. And at least one information and financial terminal 1205 information.

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account including the telephone number according to the intention of a person skilled in the art. It is possible to include the number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1200 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the financial transaction server 1210 may send the terminal device 1200. It is possible to confirm the withdrawal number information with reference to the number information.

The financial terminal 1205 information includes a financial terminal 1205 including at least one CD / ATM (Cash Dispenser / Automatic Teller Machine) provided in the financial institution, or a CD / connected to the financial institution through a CD common network. As information corresponding to the financial terminal 1205 including at least one ATM or a teller terminal, the predetermined number (or financial terminal 1205) of the predetermined financial terminal 1205 exposed on the front surface of the financial terminal 1205. And at least one or more assigned telephone numbers).

When the withdrawal number information included in the financial transaction request information includes a phone number included in a financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity verification unit 1230 Checks a predetermined account number including the withdrawal number information for the cash withdrawal transaction through the financial terminal 1205 by inquiring an account number including a phone number corresponding to the withdrawal number information in association with the financial system; Characterized in that.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information matches the telephone number corresponding to the terminal device 1200 information), the account validity The verification unit 1230 checks the calling party number information corresponding to the terminal device 1200 (for example, the terminal device 1200 in association with a predetermined wireless carrier server (not shown) to which the terminal device 1200 is subscribed). Confirming the calling party number information corresponding to the identification number, or checking the calling party number information included in the communication protocol for transmitting / receiving the financial transaction request information), and considering the calling number information as the withdrawal number information, and then linking with the financial system. By retrieving the account number including the telephone number corresponding to the withdrawal number information, the withdrawal number for the cash withdrawal transaction through the financial terminal 1205 To determine the predetermined account number including the features.

The information confirming unit 1235 reads the financial terminal 1205 information included in the financial transaction request information to confirm the location (or address) of the predetermined financial terminal 1205 accessed by the customer for cash withdrawal. The financial transaction request unit 1240 may provide an account number corresponding to the withdrawal number information to the financial terminal 1205 through a predetermined financial network (for example, CD common network). In response, the financial terminal 1205 inputs (or selects) financial transaction processing information including at least one withdrawal account information, transaction authentication information, and cash withdrawal amount information corresponding to the account number corresponding to the withdrawal number information. A financial transaction including at least one withdrawal account information, transaction authentication information, and cash withdrawal amount information through the user interface; When the processing information is input (or selected), the financial terminal 1205 may transmit the financial transaction processing information to the CD / ATM server 1245 through the financial network.

After the cash withdrawal transaction through the financial terminal 1205 is processed, the information transmission unit 1225 includes any one of a financial transaction approval history or a financial transaction error history for the cash withdrawal transaction through the financial terminal 1205. And generate financial transaction processing details, and transmit financial transaction result information including the financial transaction processing details to the terminal device 1200 through the wireless communication network in association with the interface unit 1215.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the terminal device 1200 through the wireless communication network. The financial transaction result information may include the financial transaction request. Similar to the information is encrypted, or is preferably attached to the electronic signature of the financial institution is transmitted to the terminal device (1200).

Referring to FIG. 12, the CD / ATM server 1245 is configured to process a cash withdrawal transaction using the financial terminal 1205 in accordance with at least one CD / ATM financial transaction procedure in association with the financial terminal 1205. A CD / ATM unit 1250 for receiving financial transaction processing information including at least one predetermined withdrawal account information, transaction authentication information, and cash withdrawal amount information; transaction authentication information and cash withdrawal included in the financial transaction processing information; A transaction validity confirming unit 1255 for confirming the validity of the amount and a financial transaction for processing a cash withdrawal transaction through the financial terminal 1205 based on the financial transaction request information whose validity is confirmed in connection with the financial system. It is characterized by comprising a processing unit 1260.

The CD / ATM unit 1250 inputs (or selects) financial transaction processing information including at least one withdrawal account information, transaction authentication information, and cash withdrawal amount information through the at least one user interface in the financial terminal 1205. When the data is transmitted through the financial network, the financial transaction processing information is received in connection with the interface unit 1215.

The cash withdrawal amount information may include an amount to be withdrawn from the financial account corresponding to the withdrawal number information and withdrawn through the financial terminal 1205 for the cash withdrawal transaction through the financial terminal 1205. Preferably, the amount of cash withdrawal does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information includes confidentiality, authentication, integrity, and nonrepudiation corresponding to cash withdrawal transactions through the financial terminal 1205 using the financial account corresponding to the withdrawal number information. Information for securing at least one or more of the, characterized in that it comprises at least one password corresponding to the financial account, or a cash withdrawal transaction through the financial terminal 1205.

The transaction validity confirming unit 1255 checks whether the financial transaction processing information received from the financial terminal 1205 satisfies the validity for the cash withdrawal transaction through the financial terminal 1205.

According to an embodiment of the present invention, the validity check of the financial transaction processing information may be performed to the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction processing information and the financial account. And comparing the various passwords provided (or linked) on the account ledger provided with each other and confirming whether the various passwords corresponding to the transaction authentication information match. If the passwords match, it is preferable that the validity of the financial transaction processing information is authenticated.

In addition, the validity check on the financial transaction processing information includes the amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction processing information. It is preferable to include whether the amount is greater than the cash withdrawal amount, and if the financial account balance is greater than the cash withdrawal amount, it is preferable that the validity of the financial transaction processing information is authenticated.

When the validity of the financial transaction processing information is confirmed, the financial transaction processing unit 1260 connects to the financial terminal 1205 corresponding to the financial transaction processing information in connection with a financial system equipped with an account ledger corresponding to the withdrawal number information. It is characterized by processing a cash withdrawal transaction through).

According to the implementation method of the present invention, the financial transaction processing unit 1260 performs a computer processing to withdraw the amount corresponding to the cash withdrawal amount information from the financial account corresponding to the withdrawal number information in connection with the financial system; The cash withdrawal command is transmitted to the financial terminal 1205 through the financial network.

13A and 13B illustrate a non-face-to-face financial transaction process for cash withdrawal transactions through the financial terminal 1205 according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a cash withdrawal transaction through the financial terminal 1205 in a non-face-to-face manner through the terminal apparatus illustrated in FIG. 1 or 6 in the financial transaction system illustrated in FIG. 12. As for the process, those skilled in the art to which the present invention pertains, various implementation methods for the cash withdrawal transaction process through the financial terminal 1205 with reference to and / or modified in the drawings 13a and 13b. Although it can be inferred, the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 13A and 13B.

In the following FIGS. 13A and 13B, the terminal device 1200 shown in FIG. 12 is referred to as a "terminal" for convenience, and the financial transaction server 1210 is referred to as a "server" for convenience.

13A and 13B, the terminal inputs (or selects) financial transaction request information including at least one predetermined withdrawal number information and financial terminal 1205 information through a predetermined non-face-to-face financial transaction channel. In operation 1305, the financial transaction request information is transmitted to the server through a predetermined wireless communication network.

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1200 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the financial transaction server 1210 may send the terminal device 1200. It is possible to confirm the withdrawal number information with reference to the number information.

The financial terminal 1205 information includes a financial terminal 1205 including at least one CD / ATM (Cash Dispenser / Automatic Teller Machine) provided in the financial institution, or a CD / connected to the financial institution through a CD common network. As information corresponding to the financial terminal 1205 including at least one ATM or a teller terminal, the predetermined number (or financial terminal 1205) of the predetermined financial terminal 1205 exposed on the front surface of the financial terminal 1205. And at least one or more assigned telephone numbers).

Thereafter, the server reads the financial transaction request information and verifies an account validity corresponding to the withdrawal number information (1310).

In the case where the withdrawal number information included in the financial transaction request information includes the telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6 according to the method of the present invention, the server Checks a predetermined account number including the withdrawal number information for the cash withdrawal transaction through the financial terminal 1205 by inquiring an account number including a phone number corresponding to the withdrawal number information in association with the financial system; Characterized in that.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1200 information match), the server Confirm caller ID information corresponding to the terminal device 1200 (for example, caller ID information corresponding to the terminal device 1200 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal device 1200 is subscribed). Or confirm the calling number information included in the communication protocol for transmitting and receiving the financial transaction request information), and regards the calling number information as the withdrawal number information, and connects the withdrawal number information in association with the financial system. By retrieving the account number including the corresponding telephone number, the predetermined number including the withdrawal number information for the cash withdrawal transaction through the financial terminal 1205 Characterized in that the check account number.

If the account validity is confirmed (1315), the server reads the financial terminal 1205 information included in the financial transaction request information to identify the location (or address) of the financial transaction target financial terminal 1205 (1320) ), The withdrawal account information corresponding to the withdrawal number (for example, the telephone number corresponding to the withdrawal number or the account information corresponding to the telephone number) to the identified financial terminal 1205 through a predetermined financial network. Transmit (1325).

Thereafter, the financial terminal 1205 outputs the received withdrawal account information and inputs (or selects) financial transaction processing information including predetermined transaction authentication information and cash withdrawal amount (1330).

Here, the cash withdrawal amount information includes an amount to be withdrawn from the financial account corresponding to the withdrawal number information and withdrawn through the financial terminal 1205 for the cash withdrawal transaction through the financial terminal 1205. Preferably, the cash withdrawal amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information may include confidentiality, authentication, integrity, and nonrepudiation corresponding to cash withdrawal transactions through the financial terminal 1205 using a financial account corresponding to the withdrawal number information. Information for securing at least one or more of the), characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the cash withdrawal transaction through the financial terminal 1205.

Thereafter, when the terminal transmits the financial transaction processing information to the CD / ATM server 1245 through the wireless communication network (1335), the CD / ATM server 1245 reads the financial transaction processing information by correspondingly. Check the validity of the transaction (1340).

According to the implementation method of the present invention, the financial transaction validity confirmation is the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the financial account corresponding to the transaction authentication information included in the financial transaction processing information And comparing the various passwords provided on (or linked) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction processing information is authenticated.

In addition, the financial transaction validity check is a cash withdrawal amount in which the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) is included in the financial transaction processing information. It is preferable to include whether the number is greater, and when the financial account balance is greater than the amount of cash withdrawal, it is preferable that the validity of the financial transaction processing information is authenticated.

If the transaction validity is not authenticated (1345), the CD / ATM server 1245 generates a financial transaction processing history including predetermined financial transaction error information (1350), and processes the financial transaction through the wireless communication network. The financial transaction result information including the details is transmitted and output to the terminal (1370).

On the other hand, if the validity of the transaction is authenticated (1345), the server performs a computer processing for cash withdrawal corresponding to the financial transaction processing information in connection with a financial system in which a financial account corresponding to the withdrawal number information is opened (1355). ).

According to an embodiment of the present invention, the CD / ATM server 1245 performs computer processing for withdrawing an amount corresponding to the cash withdrawal amount information from a financial account corresponding to the withdrawal number information in association with the financial system. It is preferable.

If the computer processing for cash withdrawal is completed (1360), the CD / ATM server 1245 includes financial transaction approval information corresponding to the financial transaction result to the financial terminal 1205 through the financial network. Transmitting the cash withdrawal instruction information (1365), and the server transmits the financial transaction result information including the financial transaction processing history including the financial transaction approval information corresponding to the financial transaction result to the terminal through the wireless communication network; And output (1370).

14 illustrates a non-face-to-face financial transaction system for cash withdrawal transactions through the financial terminal 1405 according to another exemplary embodiment of the present invention.

In more detail, FIG. 14 illustrates a terminal device 1400 including a wireless terminal for a financial transaction corresponding to a financial account opened by a predetermined telephone number through the financial account opening system shown in FIG. 1 or 6. In the financial terminal 1405 provided at a predetermined merchant through a predetermined short-range wireless communication means (or wireless communication means) in the withdrawal number information (for example, opened through the financial account opening system shown in FIG. 1 or FIG. 6). When a telephone number corresponding to a financial account is provided), the financial terminal 1405 relates to a system configuration for processing a cash withdrawal transaction using the withdrawal number information, and having a general knowledge in the technical field to which the present invention belongs. It will be appreciated that various implementation methods for the construction of a financial transaction system may be inferred by referring to and / or modifying the drawing 14, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

For example, those skilled in the art may refer to a financial transaction system for cash withdrawal transaction through the financial terminal 1405 shown in FIG. 10 and the financial transaction system shown in FIG. When the financial transaction request information further includes predetermined deposit number information and deposit bank information, an inferred method for processing a cash withdrawal transaction through a predetermined financial terminal 1405 through the financial terminal 1405 may be inferred. It will be appreciated that the present invention is characterized by including all implementation methods inferred.

Hereinafter, at least one means for providing a cash withdrawal transaction through the financial terminal 1405 using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. The components corresponding to the functional configuration are referred to as "CD / ATM server 1410" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, the financial transaction system includes a non-face-to-face financial transaction using a financial account including a telephone number opened through the financial account opening system shown in FIG. 1 or 6. The terminal 1400 for receiving, the financial terminal 1405 to receive the withdrawal number information from the terminal device 1400 to process a cash withdrawal transaction, and the financial terminal 1405 in conjunction with the financial terminal 1405 CD / ATM server 1410 for processing cash withdrawal transactions through the bank), and a ledger corresponding to a financial account opened through a financial account opening system shown in FIG. 1 or 6, including a telephone number. It comprises a system.

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 6. It characterized by comprising a predetermined account ledger corresponding to the financial account opening, including the phone number through the illustrated financial account opening system.

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

According to an embodiment of the present invention, the financial terminal 1405 for the cash withdrawal transaction through the financial terminal 1405 through the at least one user interface provided (or provided) in the terminal device 1400. When the information is inputted, the terminal device 1400 may provide a predetermined short range wireless communication means (for example, infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi (Wireless LAN)). It is preferable to provide the withdrawal number information to the financial terminal 1405 corresponding to the financial terminal 1405 information through Wi-Fi), a UWB (Ultra Wide Band system), and the like.

According to another exemplary embodiment of the present invention, a financial terminal for a cash withdrawal transaction through the financial terminal 1405 through the at least one user interface provided (or provided) in the terminal device 1400 may be provided. 1405) If the information is input, the terminal device 1400 is a financial terminal corresponding to the information of the financial terminal 1405 through a predetermined wireless communication means (for example, a wireless communication network connected to the terminal device 1400) ( It is preferable to provide the withdrawal number information to 1405).

Here, the terminal device 1400 is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / or As a generic term for all terminal devices connected to the IEEE 802.16x based mobile Internet and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, a personal communication terminal connected to the CDMA based mobile communication network. (Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Information Terminals (PHS) Personal Digital Assistant (PDA) and / or Smart Phones and / or Telematics, or HSDPA-based wireless networks It comprises line communication terminals, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

The wireless communication network corresponding to the wireless communication means may include a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or an IEEE 802.16x based portable Internet according to a type of wireless communication network to which the terminal apparatus 1400 is connected. And / or any one of DataTAC / Mobitex based wireless data communication networks, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the terminal device 1400, a detailed description thereof will be omitted for convenience.

When the financial terminal 1405 receives the withdrawal number information received from the customer terminal, the financial terminal 1405 regards the withdrawal number information as predetermined card information read through a predetermined card reader and inputs predetermined financial transaction request information (or The financial transaction request information may include at least one of the withdrawal number information, the cash withdrawal amount information, and the transaction authentication information.

Referring to FIG. 14, the CD / ATM server 1410 receives CD / ATM information from the financial terminal 1405 that receives financial transaction request information including at least one withdrawal number information, cash withdrawal amount information, and transaction authentication information. An ATM unit 1415, an account validity checking unit 1420 for checking an account number corresponding to the withdrawal number information included in the financial transaction request information, and the cash withdrawal amount information included in the financial transaction request information A transaction validity verification unit 1425 for confirming a transaction validity using the financial account corresponding to the withdrawal number information, and when the transaction validity is confirmed, withdrawing the cash withdrawal amount from the financial account corresponding to the withdrawal number information; It is characterized by comprising a financial transaction processing unit.

The CD / ATM unit 1415 inputs (or selects) financial transaction request information including at least one withdrawal number information, cash withdrawal amount information, and transaction authentication information through at least one or more user interfaces in the financial terminal 1405. When the data is transmitted through the financial network, the financial transaction request information is received in connection with the interface unit.

According to an embodiment of the present invention, the financial transaction request information transmitted from the financial terminal 1405 to the CD / ATM server 1410 for a cash withdrawal transaction through the financial terminal 1405 is a predetermined withdrawal number. And at least one information, cash withdrawal amount information, and transaction authentication information.

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account number including the telephone number according to the intention of a person skilled in the art. It is possible to directly comprise a, by which the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1400 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the CD / ATM server 1410 may be connected to the terminal device 1400. It is possible to check the withdrawal number information with reference to the calling number information.

When the withdrawal number information included in the financial transaction request information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity checking unit 1420 Inquiring an account number including a phone number corresponding to the withdrawal number information in association with the financial system, to confirm a predetermined account number including withdrawal number information for cash withdrawal transaction through the financial terminal 1405 It is characterized by.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1400 information match), the account validity. Confirmation unit 1420 checks the calling number information corresponding to the terminal device 1400 (for example, the terminal device 1400 in connection with a predetermined wireless carrier server (not shown) to which the terminal device 1400 is subscribed) Confirming the calling party number information corresponding to the identification number, or checking the calling party number information included in the communication protocol for transmitting / receiving the financial transaction request information), and considering the calling number information as the withdrawal number information, and then linking with the financial system. By retrieving the account number including the phone number corresponding to the withdrawal number information, the withdrawal number for the cash withdrawal transaction through the financial terminal 1405 To determine the predetermined account number including the features.

The transaction validity confirming unit 1425 checks whether the financial transaction request information received from the financial terminal 1405 satisfies the validity for the cash withdrawal transaction through the financial terminal 1405.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account). It is preferable to include whether the amount is greater than the cash withdrawal amount included in the financial transaction request information, and when the financial account balance is greater than the cash withdrawal amount, the validity of the financial transaction request information is preferably authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit may be connected to a financial system equipped with an account ledger corresponding to the withdrawal number information through the financial terminal 1405 corresponding to the financial transaction request information. It is characterized by processing cash withdrawal transactions.

According to the implementation method of the present invention, the financial transaction processing unit performs a computer processing to withdraw the amount corresponding to the cash withdrawal amount information from the financial account corresponding to the withdrawal number information in connection with the financial system, The cash withdrawal command is transmitted to the financial terminal 1405 through a network.

15 illustrates a non-face-to-face financial transaction process for cash withdrawal transactions through the financial terminal 1405 according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a process of processing a cash withdrawal transaction through the financial terminal 1405 in a non-face-to-face manner through the terminal apparatus illustrated in FIG. 1 or 6 in the financial transaction system illustrated in FIG. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the cash withdrawal transaction process through the financial terminal 1405 may be inferred by referring to and / or modifying the drawing 15. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 15.

Hereinafter, in FIG. 15, the terminal device 1400 illustrated in FIG. 14 is referred to as a "terminal" for convenience, and the CD / ATM server 1410 is referred to as a "server" for convenience.

Referring to FIG. 15, the terminal inputs predetermined financial terminal 1405 information through a predetermined non-face-to-face financial transaction channel and predetermined financial terminal 1405 through predetermined short range wireless communication means (or wireless communication means). The withdrawal number information is transmitted to (1500).

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1400 is matched, the withdrawal number information may be omitted from the financial transaction request information. In this case, the CD / ATM server 1410 may be connected to the terminal device 1400. It is possible to check the withdrawal number information with reference to the calling number information.

The financial terminal 1405 information includes a financial terminal 1405 including at least one CD / ATM (Cash Dispenser / Automatic Teller Machine) provided in the financial institution, or a CD / connected to the financial institution through a CD common network. As information corresponding to the financial terminal 1405 including at least one ATM or a teller terminal, the predetermined number (or the financial terminal 1405) of the predetermined financial terminal 1405 exposed on the front surface of the financial terminal 1405. And at least one or more assigned telephone numbers).

Thereafter, the financial terminal 1405 regards the withdrawal number information as predetermined card information read through a predetermined card reader and includes at least one withdrawal number information, cash withdrawal amount information, and transaction authentication information. The request information is input (or selected) (1505), and the financial transaction request information is transmitted to the server through a predetermined financial network (1510).

Here, the cash withdrawal amount information includes an amount to be withdrawn from the financial account corresponding to the withdrawal number information for withdrawal transaction through the financial terminal 1405 and withdrawn through the financial terminal 1405. Preferably, the cash withdrawal amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information includes confidentiality, authentication, integrity, and nonrepudiation corresponding to cash withdrawal transactions through the financial terminal 1405 using the financial account corresponding to the withdrawal number information. Information for securing at least one of the at least one, characterized in that it comprises at least one or more passwords corresponding to the financial account, or the cash withdrawal transaction through the financial terminal 1405.

Thereafter, the server reads the financial transaction request information and verifies the validity of the account corresponding to the withdrawal number information (1515).

In the case where the withdrawal number information included in the financial transaction request information includes the telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6 according to the method of the present invention, the server Checks a predetermined account number including the withdrawal number information for the cash withdrawal transaction through the financial terminal 1405 by inquiring an account number including a phone number corresponding to the withdrawal number information in association with the financial system; Characterized in that.

Alternatively, when the withdrawal number information is not included in the financial transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1400 information match), the server Confirm caller ID information corresponding to the terminal device 1400 (for example, caller ID information corresponding to the terminal device 1400 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal device 1400 is subscribed). Or confirm the calling number information included in the communication protocol for transmitting and receiving the financial transaction request information), and regards the calling number information as the withdrawal number information, and connects the withdrawal number information in association with the financial system. By retrieving an account number including a corresponding telephone number, the predetermined number including withdrawal number information for the cash withdrawal transaction through the financial terminal 1405 Characterized in that the check account number.

If the account validity is confirmed (1520), the server reads the financial transaction request information to confirm the transaction validity (1525).

According to the implementation method of the present invention, the financial transaction validity confirmation is the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the financial account corresponding to the transaction authentication information included in the financial transaction processing information And comparing the various passwords provided on (or linked) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction processing information is authenticated.

In addition, the financial transaction validity check is a cash withdrawal amount in which the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) is included in the financial transaction processing information. It is preferable to include whether the number is greater, and when the financial account balance is greater than the amount of cash withdrawal, it is preferable that the validity of the financial transaction processing information is authenticated.

If the transaction validity is not authenticated (1530), the server generates a financial transaction processing history including predetermined financial transaction error information (1535), and the financial transaction including the financial transaction processing history through the wireless communication network. The result information is transmitted to the terminal and output (step 1555).

On the other hand, if the validity of the transaction is authenticated (1530), the server performs a computer processing for cash withdrawal corresponding to the financial transaction processing information in connection with a financial system in which a financial account corresponding to the withdrawal number information is opened (1540). ).

According to an embodiment of the present invention, the CD / ATM server 1410 performs computer processing for withdrawing an amount corresponding to the cash withdrawal amount information from a financial account corresponding to the withdrawal number information in connection with the financial system. It is preferable.

If the computational processing for cash withdrawal is completed (1545), the CD / ATM server 1410 includes financial transaction approval information corresponding to the financial transaction result to the financial terminal 1405 through the financial network. Transmitting the cash withdrawal command information (1550), and the server transmits the financial transaction result information including the financial transaction processing history including the financial transaction approval information corresponding to the financial transaction result to the terminal through the wireless communication network; And output (1555).

16 is a diagram illustrating a payment system for payment using a telephone number according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a terminal device 1600 including a wireless terminal for a financial transaction corresponding to a financial account opened by a predetermined telephone number through the financial account opening system shown in FIG. 1 or 6. Is established through the withdrawal number information (for example, the financial account opening system shown in FIG. 1 or 6) to a payment terminal 1605 provided at a predetermined affiliated store through a predetermined short range wireless communication means (or wireless communication means). If a telephone number corresponding to a financial account is provided, the system is configured to process a payment by using the withdrawal number information in the payment terminal 1605, and has a general knowledge in the technical field to which the present invention belongs. If not, various implementation methods for the payment system configuration may be inferred by referring to and / or modifying the drawing 16, but the present invention provides a model inferred from the above. Any implementation method is included, and is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for providing a payment using the telephone number using a payment approval request text provided from the customer through a predetermined financial transaction interface on the payment settlement system shown in FIG. The component corresponding to is referred to as "payment server 1610" for convenience.

Referring to FIG. 16 according to an embodiment of the present invention, the payment settlement system is a non-face-to-face financial transaction using a financial account including a telephone number opened through the financial account opening system shown in FIG. 1 or 6. The terminal device 1600 for receiving, the payment terminal (1605) receives the withdrawal number information from the terminal device 1600 to request a payment and the payment using the phone number in connection with the payment terminal (1605) And a financial system including a payment server 1610 for processing a payment, and a ledger corresponding to a financial account opened through the financial account opening system shown in FIG. 1 or 6, including a telephone number. It is done.

Referring to FIG. 16, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and further comprising the financial system between components in the financial system. An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions) ) Is stored in a linked process, and the ledger information is the drawing 1 or 6 It is characterized in that it comprises a predetermined account ledger corresponding to the opened financial account including the telephone number through the financial account opening system shown in.

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

According to one embodiment of the present invention, the customer inputs payment terminal 1605 information for payment using the phone number through at least one or more user interfaces provided (or provided) in the terminal device 1600. If the terminal device 1600 is a predetermined short-range wireless communication means (for example, infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), Wi-Fi (Wi-Fi) It is preferable to provide the withdrawal number information to a payment terminal 1605 corresponding to the payment terminal 1605 information through a UWB (Ultra Wide Band system).

According to another exemplary embodiment of the present invention, the customer receives information about the payment terminal 1605 for payment using the phone number through at least one or more user interfaces provided (or provided) in the terminal device 1600. When inputted, the terminal device 1600 transmits the data to the payment terminal 1605 corresponding to the payment terminal 1605 information through a predetermined wireless communication means (for example, a wireless communication network connected from the terminal device 1600). It is desirable to provide withdrawal number information.

Here, the terminal device 1600 is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / or As a generic term for all terminal devices connected to the IEEE 802.16x based mobile Internet and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, a personal communication terminal connected to the CDMA based mobile communication network. (Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Information Terminals (PHS) Personal Digital Assistant (PDA) and / or Smart Phones and / or Telematics, or HSDPA-based wireless networks It comprises line communication terminals, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

The wireless communication network corresponding to the wireless communication means may include a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or an IEEE 802.16x based portable Internet according to a type of wireless communication network to which the terminal apparatus 1600 is connected. And / or any one of DataTAC / Mobitex based wireless data communication networks, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the terminal device 1600, the detailed description thereof will be omitted for convenience.

When the payment terminal 1605 receives the withdrawal number information received from the customer terminal, the withdrawal number information is regarded as predetermined card information, and generates a predetermined payment approval request message. The request text may include at least one withdrawal number information, payment amount information, and affiliated store information (or terminal information).

Thereafter, the payment terminal 1605 preferably transmits the payment approval request message including the withdrawal number information to the payment server 1610 through a predetermined van, and according to the intention of the person skilled in the art, the payment approval request message is It is possible to pass through a predetermined card company server associated with the payment server 1610.

Referring to FIG. 16, the payment server 1610 may receive a full text of a payment approval request message including at least one withdrawal number information, payment amount information, and merchant information (or terminal information) from the payment terminal 1605. The receiver 1615, an account validity checking unit 1625 for checking an account number corresponding to the withdrawal number information included in the payment approval request text, and the payment amount information included in the payment approval request text, A payment validity verification unit 1630 for verifying payment validity using a financial account corresponding to the withdrawal number information, and when the payment validity is confirmed, withdraw the payment amount from the financial account corresponding to the withdrawal number information to the merchant information; A payment approval processing unit 1635 for approving a payment for depositing a predetermined merchant account corresponding to the terminal information (or terminal information); and the payment processing Characterized in that it comprises a specialized transmission unit for transmitting the details to the payment terminal (1605).

The full text receiving unit 1615 receives the full text of the payment approval request from the payment terminal 1605 including at least one withdrawal number information, payment amount information, and merchant information (or terminal information).

According to an embodiment of the present invention, the full text of the payment approval request transmitted from the payment terminal 1605 to the payment server 1610 for payment using the phone number includes predetermined withdrawal number information and payment amount information. Characterized in that it comprises at least one or more merchant information (or terminal information).

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account number including the telephone number according to the intention of a person skilled in the art. It is possible to directly comprise a, by which the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1600 is matched, the withdrawal number information may be omitted in the full payment approval request message, and in this case, the payment server 1610 is a calling number of the terminal device 1600. It is possible to confirm the withdrawal number information with reference to the information.

If the withdrawal number information included in the full payment approval request includes the phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity checking unit 1625 is Inquiring an account number including a phone number corresponding to the withdrawal number information in conjunction with the financial system, it is characterized in that the predetermined account number including the withdrawal number information for payment using the phone number is confirmed. .

Alternatively, when the withdrawal number information is not included in the full text of the payment approval request (or when the phone number corresponding to the withdrawal number information matches the phone number corresponding to the terminal device 1600 information), the account validity The verification unit 1625 checks the calling number information corresponding to the terminal device 1600 (for example, the terminal device 1600 in association with a predetermined wireless carrier server (not shown) to which the terminal device 1600 is subscribed). Confirming the calling party number information corresponding to the identification, or checking the calling party number information included in the communication protocol for transmitting / receiving the full payment approval request message), and considering the calling number information as the withdrawal number information, and then linking with the financial system. By searching the account number including the phone number corresponding to the withdrawal number information, by including the withdrawal number information for payment using the phone number It is characterized in that to determine the desired account number.

The payment validity verification unit 1630 is characterized in that the payment approval request received from the financial terminal to confirm whether the full validity for payment using the phone number.

According to the implementation method of the present invention, the validity confirmation of the full payment approval request is the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) It is preferable to include a check whether the amount is greater than the payment amount included in the full payment approval request, and if the balance of the financial account is larger than the payment amount, it is preferable that the validity of the full payment approval request is authenticated.

When the validity of the full payment approval request is confirmed, the payment approval processing unit 1635 uses the phone number corresponding to the full payment approval request in association with a financial system equipped with an account ledger corresponding to the withdrawal number information. It is characterized by processing the payment.

According to an embodiment of the present invention, the financial transaction processing unit withdraws the amount corresponding to the payment amount information from the financial account corresponding to the withdrawal number information in association with the financial system to correspond to the affiliated store information (or terminal information). Characterized in that the transfer to the merchant account.

The specialized transmission unit may transmit the payment processing details (for example, payment approval details or payment error details) processed by the payment approval processing unit 1635 to the payment terminal 1605.

17 illustrates a non-face-to-face financial transaction process for payment using a telephone number according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a process of processing a payment using a telephone number in a non-face-to-face manner through a terminal device shown in FIG. 1 or 6 in the payment system shown in FIG. 16. Those skilled in the art will be able to infer various implementation methods for the payment process using the telephone number by referring to and / or modifying the drawing 17, but the present invention is inferred from all It is made including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the terminal device 1600 shown in FIG. 16 is referred to as a "terminal" for convenience, and the payment server 1610 is referred to as a "server" for convenience.

Referring to FIG. 17, the terminal inputs predetermined payment terminal 1605 information through a predetermined non-face-to-face financial transaction channel and predetermined payment terminal 1605 through predetermined short range wireless communication means (or wireless communication means). The withdrawal number information is transmitted to (1700).

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1600 is matched, the withdrawal number information may be omitted in the full payment approval request message, and in this case, the payment server 1610 is a calling number of the terminal device 1600. It is possible to confirm the withdrawal number information with reference to the information.

Thereafter, the payment terminal 1605 regards the withdrawal number information as predetermined card information read through a predetermined card reader and includes at least one withdrawal number information, payment amount information, and merchant information (or terminal information). Inputting (or selecting) the payment approval request message to the client (1705), and transmits the payment approval request message to the server through a predetermined van (1710).

Thereafter, the server reads the payment approval request text and verifies an account validity corresponding to the withdrawal number information (1715).

When the withdrawal number information included in the full payment approval request message includes the telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6 according to the method of the present invention, the server Inquiring an account number including a phone number corresponding to the withdrawal number information in conjunction with the financial system, to identify a predetermined account number including the withdrawal number information for payment using the phone number do.

Alternatively, when the withdrawal number information is not included in the full payment approval request message (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1600 information match), the server Confirm caller ID information corresponding to the terminal device 1600 (for example, caller ID information corresponding to the terminal device 1600 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal device 1600 is subscribed). Or confirm the calling number information included in the communication protocol for transmitting / receiving the full text of the payment approval request), considering the calling number information as the withdrawal number information, and linking with the financial system to the withdrawal number information. By retrieving the account number including the corresponding telephone number, the predetermined account number including the withdrawal number information for payment using the telephone number It is characterized by identifying the call.

If the account validity is confirmed (1720), the server reads the payment approval request full text to confirm the validity of the transaction (1725).

According to an embodiment of the present invention, the validity of the financial transaction is determined in accordance with various passwords corresponding to merchant information (or terminal information) included in the financial transaction processing information and the ledger D / B on the financial system in response to the financial account. Comparing various passwords (or associated) provided on the account ledger provided, it is preferable to include whether the various passwords corresponding to the merchant information (or terminal information) is matched, and the merchant information (or When various passwords corresponding to terminal information) match, it is preferable that the validity of the financial transaction processing information is authenticated.

In addition, the financial transaction validity confirmation is that the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) is less than the payment amount included in the financial transaction processing information. It is preferable to include a large number, and if the balance of the financial account is greater than the payment amount, the validity of the financial transaction processing information is preferably authenticated.

If the transaction validity is not authenticated (1730), the server generates a payment processing history including the predetermined payment error information (1735), and through the van the payment approval response full text including the payment processing details; The data is transmitted to the payment terminal 1605 and output (1755).

On the other hand, if the validity of the transaction is authenticated (1730), the server performs a payment approval procedure corresponding to the full payment approval request in association with a financial system in which a financial account corresponding to the withdrawal number information is opened (1740).

According to an embodiment of the present invention, the server withdraws an amount corresponding to the payment amount information from a financial account corresponding to the withdrawal number information in association with the financial system and corresponds to the affiliated store information (or terminal information). Characterized in the transfer to the account.

If the payment processing is approved (1745), the server generates a payment processing history including the predetermined payment approval information (1750), and through the van the payment approval response text including the payment processing details through the payment; The transmission is transmitted to the terminal 1605 (1755).

18 is a diagram showing a payment system for payment using a telephone number according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates a terminal device 1800 including a wireless terminal for a financial transaction corresponding to a financial account opened through a financial account opening system shown in FIG. 1 or 6, including a predetermined telephone number. Provides payment authorization request information including at least one withdrawal number information, payment amount information, and merchant information (or terminal information) for payment using the phone number to the payment settlement system, the payment settlement system provides the A system configuration for providing a payment using the telephone number using the withdrawal number information, payment amount information, and merchant information (or terminal information) included in the payment approval request information, which is generally known in the art. If you are familiar with the knowledge of the present invention, reference to and / or modifications to FIG. Would be able to infer the various method embodiments, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

Hereinafter, at least one means and / or functional configuration for providing payment using the telephone number using payment approval request information provided from the customer through a predetermined financial transaction interface on the payment settlement system shown in FIG. 18. The component corresponding to is referred to as "payment server 1805" for convenience.

Referring to FIG. 18 according to an embodiment of the present invention, the payment settlement system is a non-face-to-face financial transaction using a financial account including a telephone number opened through the financial account opening system shown in FIG. 1 or 6. The terminal device 1800 for connection, a wireless communication network corresponding to a communication network to which the terminal device 1800 is connected, and connected to the terminal device 1800 through the wireless communication network to process payment settlement using the phone number. A payment terminal 1845 (or a payment request server (not shown)) provided in a payment server 1805 and an affiliated store requesting payment using the phone number is provided through the financial account opening system shown in FIG. 1 or 6. And a financial system including a ledger corresponding to the opened financial account including a telephone number.

Referring to FIG. 18, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system is provided by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And a ledger D / B for storing at least one ledger for the at least one ledger, wherein the ledger D / B includes at least one or more for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Ledger information (eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (eg, to further refine and / or supplement each ledger's attributes / functions) And stored in association with each other, and the ledger information is shown in FIG. 1 or FIG. It is characterized in that it comprises a predetermined account ledger corresponding to the opened financial account including the telephone number through the financial account opening system shown in 6.

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

According to an embodiment of the present invention, the withdrawal number information and the payment amount information for the customer to pay using the phone number through at least one or more user interface provided (or provided) in the terminal device 1800; When the payment approval request information including at least one merchant information (or terminal information) is input (or selected), the payment approval request information is transmitted through the wireless communication network to which the terminal device 1800 is connected. It is desirable to send to.

In this case, the terminal device 1800 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network. , And / or all terminal devices connected to the IEEE 802.16x based portable Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network, Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA based It comprises line radio communication terminals connected to the network, or the IEEE 802.16x based portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network such as a wireless data communication terminal connected to the at least one are preferred.

The wireless communication network connecting the terminal device 1800 and the payment server 1805 may be a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network according to the type of wireless communication network to which the terminal device 1800 is connected. It is preferable that any one of the IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network is included, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

As those skilled in the art to which the present invention pertains can easily infer the features of the terminal device 1800, a detailed description thereof will be omitted for convenience.

The payment server 1805 provided on the payment system according to the present invention is a generic term for the payment system-side components connected to the terminal device 1800 through a predetermined wireless communication network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the payment server 1805 is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or the wireless banking system. A predetermined server (or device) accessible to the outside world of the financial system through, a program provided on the server (or device), and / or the wireless banking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system accessible through, and / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the payment server 1805 is characterized in that it comprises an interface unit 1810 for connecting and managing a predetermined communication channel with the terminal device 1800 through the wireless communication network.

According to an embodiment of the present invention, when the terminal device 1800 is connected to a predetermined wireless communication network, the interface unit 1810 may be connected to the terminal device 1800 based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the terminal device 1800.

Referring to FIG. 18, the payment server 1805 may display withdrawal number information, payment amount information, and merchant information (or terminal information) through at least one user interface provided (or provided) in the terminal device 1800. When the payment approval request information including at least one input is input (or selected) and transmitted, at least one of the withdrawal number information, the payment amount information, and the merchant information (or terminal information) is linked with the interface unit 1810. An information receiving unit 1815 for receiving the payment approval request information, an account validity checking unit 1825 for checking an account number corresponding to the withdrawal number information included in the payment approval request information, and the account number verification result And an information transmitter 1820 for transmitting the predetermined payment approval confirmation information to the terminal device 1800.

The terminal device 1800 inputs (or selects) payment approval request information including at least one of the withdrawal number information, the payment amount information, and the affiliated store information (or the terminal information) through the user interface, through the wireless communication network. The payment server 1805 is characterized in that the transmission.

The information receiving unit 1815 includes at least one payment number information, payment amount information, and merchant information (or terminal information) through at least one user interface provided (or provided) in the terminal device 1800. When inputting (or selecting) authorization request information and transmitting it through the wireless communication network, the payment approval request information is received in cooperation with the interface unit 1810.

According to an embodiment of the present invention, the payment approval request information transmitted from the terminal device 1800 to the payment server 1805 for payment using the phone number includes predetermined withdrawal number information and payment amount information. Characterized in that it comprises at least one or more merchant information (or terminal information).

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account number including the telephone number according to the intention of a person skilled in the art. It is possible to directly comprise a, by which the present invention is not limited.

According to an embodiment of the present invention, the withdrawal number information includes a telephone number included in a financial account opened through the financial account opening system shown in FIG. 1 or 6, and a telephone number included in the financial account. When the telephone number corresponding to the terminal device 1800 matches, the withdrawal number information may be omitted from the payment approval request information. In this case, the payment server 1805 sends the terminal device 1800. It is possible to confirm the withdrawal number information with reference to the number information.

When the withdrawal number information included in the payment approval request information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity verification unit 1825 is Inquiring an account number including a phone number corresponding to the withdrawal number information in connection with the financial system, to confirm a predetermined account number including the withdrawal number information for payment using the phone number do.

Or when the withdrawal number information is not included in the payment approval request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1800 information match), the account validity. The verification unit 1825 checks the calling number information corresponding to the terminal device 1800 (for example, the terminal device 1800 in connection with a predetermined wireless telecommunication company server (not shown) to which the terminal device 1800 is subscribed). Confirming the calling party number information corresponding to the identification, or checking the calling party number information included in the communication protocol for transmitting / receiving the payment approval request information), and considering the calling number information as the withdrawal number information, and then linking with the financial system. Search the account number including the telephone number corresponding to the withdrawal number information, and include the withdrawal number information for payment using the telephone number. And to determine the predetermined account number, characterized.

According to another embodiment of the present invention, the payment terminal 1845 (or payment request server (not shown)) before the terminal device 1800 transmits the payment approval request information to the payment server 1805, Through a predetermined van, a payment approval request message including at least one of the terminal device 1800 information, payment amount information, and merchant information (or terminal information) may be transmitted to the payment server 1805. In this case, the account The validity check unit 1825 may further include a function of comparing the terminal device 1800 information included in the full payment approval request information with the terminal device 1800 information included in the payment approval request information. The present invention is not limited by this.

The information transmitter 1820 may transmit predetermined payment approval confirmation information including the account number result (eg, a withdrawal account number, a deposit account number (or a virtual account number), etc.) to the terminal device 1800. In response, the terminal device 1800 outputs the received payment approval confirmation information, inputs (or selects) payment approval processing information including predetermined transaction authentication information and a payment amount, and performs the wireless communication network. It is characterized in that the transmission to the payment server 1805 through.

Referring to FIG. 18, the payment server 1805 may include a payment approval process including at least one transaction authentication information and payment amount information through at least one user interface provided (or provided) in the terminal device 1800. An information receiving unit 1815 receiving the payment approval processing information including at least one transaction authentication information and payment amount information in association with the interface unit 1810 when the information is input (or selected) and transmitted; Payment validity confirmation unit 1830 for checking the validity of the transaction authentication information and the payment amount included in the payment approval processing information, and if the payment validity is confirmed, withdraw the payment amount from the financial account corresponding to the withdrawal number information Payment approval for depositing a payment to a predetermined merchant account corresponding to the merchant information (or terminal information) Full text 1835 and the payment processing details to transmit to the payment terminal 1845 corresponding to the merchant information (or terminal information), or to the payment request server (for example, the Internet shopping server, such as not shown) It is characterized by comprising a transmission unit 1840.

The information receiving unit 1815 inputs (or selects) payment approval processing information including at least one transaction authentication information and payment amount information through at least one or more user interfaces provided (or provided) in the terminal device 1800. When the transmission is performed through the wireless communication network, the payment approval processing information is received in cooperation with the interface unit 1810.

The payment amount information includes a financial transaction amount withdrawn from the financial account corresponding to the withdrawal number information and transferred to the merchant account corresponding to the merchant information (or terminal information) for payment using the phone number. Preferably, the payment amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation corresponding to the payment using the financial account corresponding to the withdrawal number information. For the information, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the payment.

The payment validity confirming unit 1830 is characterized by checking whether the payment approval processing information received from the terminal device 1800 satisfies the validity for payment using the telephone number.

According to an embodiment of the present invention, the validity check of the payment approval processing information may be performed to the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the payment approval processing information and the financial account. And comparing the various passwords (or linked) provided on the account ledger provided with each other, and confirming whether the various passwords corresponding to the transaction authentication information are matched, and the various passwords corresponding to the transaction authentication information. If is matched, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the transaction authentication information further includes predetermined security code information, the validity of the payment approval processing information is determined by the security code information and the financial account. Correspondingly check whether the security code information corresponding to the transaction authentication information is matched with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system. It is preferably made, including, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the payment approval processing information may be determined by the OTP code and the OTP issued to the customer. Generating a predetermined OTP authentication code based on the OTP generation information matched with the generator, and comparing the OTP code and the OTP authentication code, to determine whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code It is preferable to include, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the payment approval process information is encrypted through a predetermined encryption key, the validity of the payment approval process information is decrypted by the encrypted payment approval process information. And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the payment approval processing information is preferably authenticated.

In addition, when the electronic signature of the customer is attached to the payment approval processing information shown in FIG. 18 through the predetermined private key (for example, the encryption key included in the certificate issued to the customer) to the payment approval processing information. The verification of the validity of the payment approval processing information may be performed including checking the electronic signature of the customer with respect to the payment approval processing information to which the electronic signature is attached. When the electronic signature of the customer is confirmed, the payment may be performed. It is preferable that the validity of the approval processing information is authenticated.

In addition, the validity check of the payment approval processing information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the payment approval processing information. It is preferable to include whether the amount is greater than the settled payment amount, and if the balance of the financial account is greater than the settled amount, the validity of the settlement approval processing information is preferably authenticated.

According to another embodiment of the present invention, the payment terminal 1845 (or payment request server (not shown)) before the terminal device 1800 transmits the payment approval request information to the payment server 1805, Through a predetermined van, a payment approval request message including at least one of the terminal device 1800 information, payment amount information, and merchant information (or terminal information) may be transmitted to the payment server 1805. In this case, the account The validity verification unit 1825 may compare the payment amount information included in the payment approval request text with the payment amount information included in the payment approval processing information, or the merchant information (or terminal information included in the payment approval request message). ) And the function of comparing the merchant information (or terminal information) included in the payment approval processing information, and the present invention is not limited thereto. The.

When the validity of the payment approval processing information is confirmed, the payment approval processing unit 1835 corresponds to the payment approval request information and payment approval processing information in association with a financial system equipped with an account ledger corresponding to the withdrawal number information. It is characterized by processing the payment using the phone number.

According to an embodiment of the present invention, the financial transaction processing unit withdraws the amount corresponding to the payment amount information from the financial account corresponding to the withdrawal number information in association with the financial system to correspond to the affiliated store information (or terminal information). Characterized in that the transfer to the merchant account.

The specialized transmission unit 1840 corresponds to the affiliate store information (or terminal information) through the payment process details (for example, payment approval details or payment error details) processed by the payment approval processing unit 1835 through a predetermined van. It is characterized in that the transmission to the payment terminal 1845, or to a payment request server (not shown) through a predetermined communication network.

19 is a diagram illustrating a payment process for payment using a telephone number according to another embodiment of the present invention.

More specifically, FIG. 19 illustrates a process of processing payment using a telephone number through the terminal device shown in FIG. 1 or 6 in the payment system shown in FIG. 18. Persons having ordinary skill in the art will be able to infer various implementation methods for the wire transfer transaction process by referring to and / or modifying the drawing 19, but the present invention includes all the implementation methods inferred. However, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the terminal device 1800 shown in FIG. 18 is called "terminal" for convenience, and the payment server 1805 is called "server" for convenience.

Referring to FIG. 19, the terminal inputs (or selects) payment approval request information including at least one predetermined withdrawal number information, payment amount information, and merchant information (or terminal information) through a predetermined non-face-to-face financial transaction channel. In operation 1905, the payment approval request information is transmitted to the server through a predetermined wireless communication network.

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 1800 is matched, the withdrawal number information may be omitted from the payment approval request information. In this case, the payment server 1805 may be a calling number of the terminal device 1800. It is possible to confirm the withdrawal number information with reference to the information.

Thereafter, the server reads the payment approval request information and checks the account validity corresponding to the withdrawal number information (1910).

When the withdrawal number information included in the payment approval request information includes the telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6 according to the embodiment of the present invention, the server Inquiring an account number including a phone number corresponding to the withdrawal number information in conjunction with the financial system, to confirm a predetermined account number including the withdrawal number information for payment using the phone number do.

Alternatively, when the withdrawal number information is not included in the payment approval request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 1800 information match), the server Confirm caller ID information corresponding to the terminal device 1800 (for example, caller ID information corresponding to the terminal device 1800 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal device 1800 is subscribed). Or confirm the calling number information included in the communication protocol for transmitting / receiving the payment approval request information), considering the calling number information as the withdrawal number information, and linking with the financial system to the withdrawal number information. By retrieving an account number including a corresponding telephone number, a predetermined account including withdrawal number information for payment by using the telephone number Characterized in that to make the call.

If the validity of the account is confirmed (1915), the server transmits predetermined payment approval confirmation information including the account number result (eg, withdrawal account number, deposit account number (or virtual account number), etc.) to the terminal device ( 1800, and in response, the terminal outputs the received payment approval confirmation information through a non-face-to-face financial transaction function, and transmits payment approval processing information including predetermined transaction authentication information and an amount of money transfer to the account. Enter (or select) 1925.

Herein, the payment amount information includes an amount to be withdrawn from the financial account corresponding to the withdrawal number information and transferred to the merchant account corresponding to the affiliated store information (or terminal information) for payment using the telephone number. Preferably, the payment amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation corresponding to the payment using the financial account corresponding to the withdrawal number information. For the information, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the payment.

Thereafter, when the terminal transmits the payment approval processing information to the server through the wireless communication network (1930), the server reads the payment approval processing information to confirm payment validity (1935).

According to an embodiment of the present invention, the payment validity check is performed on the account ledger provided in the ledger D / B on the financial system in correspondence with various passwords corresponding to the transaction authentication information included in the payment approval processing information and the financial account. And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is preferable that the validity of the payment approval processing information is authenticated.

In addition, in the characteristic of the payment settlement system shown in FIG. 19, when the transaction authentication information further includes predetermined security code information, the payment validity confirmation corresponds to the security code information and the financial account. And comparing the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the card, and checking whether the security code information corresponding to the transaction authentication information is matched. Preferably, when the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the payment validity check is an OTP matching the OTP code and the OTP generator paid to the customer. Generating a predetermined OTP authentication code based on the generated information, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. Preferably, when the OTP code corresponding to the transaction authentication information matches the OTP authentication code, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the payment approval processing information is encrypted through a predetermined encryption key, the payment validity confirmation decrypts the encrypted payment approval processing information and the decryption is performed. It is preferable to include whether it is normally performed, and when the decryption is normally performed, it is preferable that the validity of the payment approval processing information is authenticated.

In addition, when the electronic signature of the customer is attached to the payment approval process information through a predetermined private key (for example, an encryption key included in an accredited certificate issued to a customer) due to the characteristics of the payment settlement system shown in FIG. 19. The payment validity check may be performed including checking the electronic signature of the customer with respect to the payment approval processing information with the electronic signature attached thereto, and when the electronic signature of the customer is confirmed, It is desirable that the validity be authenticated.

In addition, the payment validity confirmation is that the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) than the amount of the account transfer included in the payment approval processing information. It is preferable to include a large number, and if the financial account balance is greater than the amount of the wire transfer, it is preferable that the validity of the payment approval processing information is authenticated.

If the payment validity is not authenticated (1940), the server generates a payment processing history including predetermined payment error information (1945), and the generated payment processing details are the merchant information (or terminal information). It is transmitted to the payment terminal 1845 corresponding to the output (1965).

On the other hand, if the validity of the payment is authenticated (1940), the server processes the payment corresponding to the payment approval request information and payment approval processing information in connection with a financial system in which a financial account corresponding to the withdrawal number information is opened ( 1950).

According to an embodiment of the present invention, the server withdraws an amount corresponding to the payment amount information from a financial account corresponding to the withdrawal number information in association with the financial system and corresponds to the affiliated store information (or terminal information). Characterized in the transfer to the account.

If the payment processing is completed (1955), the server generates a payment processing details including payment approval information corresponding to the payment approval result (1960), and the generated payment processing details of the merchant information It transmits to the payment terminal 1845 corresponding to the terminal information (or terminal information) and outputs it (1965).

20 is a diagram illustrating a collection transaction system for collection processing using a telephone number according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a terminal device 2000 including a wireless terminal for a financial transaction corresponding to a financial account opened by a predetermined telephone number through the financial account opening system shown in FIG. 1 or 6. At the collection transaction system provides collection information request information including at least one withdrawal number information, collection number information and billing institution information for collection processing using the phone number, the collection information request information provided by the collection transaction system; A system configuration for providing a collection processing using the phone number by using the withdrawal number information, collection number information and billing authority information included in the present invention. By referring to and / or modifying the drawing 20, various implementation methods for the collection system can be inferred. Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 20.

Hereinafter, at least one means and / or functional configuration for providing collection processing using the phone number using collection information request information provided from the customer through a predetermined financial transaction interface on the collection transaction system shown in FIG. 20. The component corresponding to the term " financial transaction server 2005 "

Referring to this drawing 20 according to the embodiment of the present invention, the collection transaction system, non-face-to-face financial transactions using a financial account including a telephone number opened through the financial account opening system shown in Figure 1 or 6 The terminal device 2000 for connection, the wireless communication network corresponding to the communication network to which the terminal device 2000 is connected, and connected to the terminal device 2000 via the wireless communication network to process the collection processing using the phone number The financial transaction server 2005 and the financial account opening system illustrated in FIG. 1 or FIG. 6 may include a financial system including a ledger corresponding to a financial account opened including a telephone number.

Referring to FIG. 20, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 6. It is characterized in that it comprises a predetermined account ledger corresponding to the opened financial account including the telephone number through the financial account opening system shown in.

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

According to an embodiment of the present invention, the withdrawal number information and the collection number information and the number for the collection process using the telephone number through the at least one user interface provided (or provided) in the terminal device (2000); Inputting (or selecting) collection information request information including at least one billing institution information, and transmits the collection information request information to the financial transaction server 2005 through a wireless communication network connected to the terminal device 2000; It is preferable.

Here, the terminal device 2000 connected to the wireless communication network includes all the terminal devices connected to the code division multiple access (CDMA) based mobile communication network, and / or all the terminal devices connected to the high-speed downlink packet access (HSDPA) based wireless communication network. , And / or all terminal devices connected to the IEEE 802.16x based portable Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network, Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA based It comprises line radio communication terminals connected to the network, or the IEEE 802.16x based portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network such as a wireless data communication terminal connected to the at least one are preferred.

The wireless communication network connecting the terminal device 2000 and the financial transaction server 2005 may be a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network according to the type of wireless communication network to which the terminal device 2000 is connected. Or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval. .

Those skilled in the art to which the present invention pertains can easily infer the features of the terminal device 2000, and thus a detailed description thereof will be omitted.

The financial transaction server 2005 provided on the collection transaction system according to the present invention is a generic term for the components of the collection transaction system side connected to the terminal device 2000 through a predetermined wireless communication network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 2005 is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or the wireless banking. Any server (or device) that is accessible to the outside world of the financial system through a system, or a program provided on the server (or device), and / or the wireless banking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the financial system accessible through), and / or a program provided in the external world on the financial system, by which the present invention is not limited.

According to an embodiment of the present invention, the financial transaction server 2005 is characterized in that it comprises an interface unit 2010 for connecting and managing a predetermined communication channel with the terminal device 2000 through the wireless communication network. .

When the terminal device 2000 is connected to a predetermined wireless communication network according to an exemplary embodiment of the present invention, the interface unit 2010 may be connected to the terminal device 2000 based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the terminal device 2000.

Referring to FIG. 20, the financial transaction server 2005 may include at least one withdrawal number information, a collection number information, and a billing institution information through at least one or more user interfaces included in (or provided with) the terminal device 2000. When inputting (or selecting) the collection request information, including the collection information, the collection request information including at least one of the withdrawal number information, collection number information and billing institution information in conjunction with the interface unit 2010; Receiving information receiving unit 2015, an account validity confirmation unit 2025 for checking the account number corresponding to the withdrawal number information and collection number information included in the collection transaction request information, and the account number verification result And an information transmitter 2020 for transmitting predetermined collection transaction confirmation information to the terminal device 2000.

In addition, if the account number corresponding to the collection number information is not confirmed by the account validity verification unit 2025, the financial transaction server 2005 may open a predetermined virtual account including the collection number information. It further comprises an account processing unit.

The terminal device 2000 inputs (or selects) collection information request information including at least one of the withdrawal number information, the collection number information, and the billing institution information through the user interface, and the financial transaction server through the wireless communication network. (2005) characterized in that the transmission.

The information receiving unit 2015 includes collection information request information including at least one withdrawal number information, collection number information, and billing authority information through at least one user interface provided in (or provided) in the terminal device 2000. When the input (or selection) is transmitted through the wireless communication network, the collection transaction request information is received in cooperation with the interface unit 2010.

According to an embodiment of the present invention, the collection transaction request information transmitted from the terminal device 2000 to the financial transaction server 2005 for collection processing using the telephone number may include predetermined withdrawal number information and collection number information. And billing agency information characterized in that it comprises at least one.

The withdrawal number information preferably comprises a telephone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and an account number including the telephone number according to the intention of a person skilled in the art. It is possible to directly comprise a, by which the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 2000 is matched, the withdrawal number information may be omitted from the collection transaction request information. In this case, the financial transaction server 2005 transmits the terminal device 2000. It is possible to confirm the withdrawal number information with reference to the number information.

The collection number information preferably comprises a telephone number corresponding to the collection account to be deposited by transferring the deposit amount withdrawn from the financial account corresponding to the withdrawal number, including the telephone number according to the intention of the skilled person It is possible to include the account number directly, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the collection number information may be directly included in the conventional collection account number, whereby the present invention is not limited.

Preferably, the billing institution information includes at least one of information on a Giro issuing agency and a billing institution, which open a financial account corresponding to the collection number information. The billing institution is shown in FIG. 1 or 6. It is preferable to open a financial account including the telephone number through a financial account opening system.

When the withdrawal number information included in the collection transaction request information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, the account validity verification unit 2025 Inquiring an account number including a phone number corresponding to the withdrawal number information in conjunction with the financial system, to identify a predetermined account number including the withdrawal number information for the collection process using the phone number do.

Or when the withdrawal number information is not included in the collection transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 2000 information match), the account validity. The confirmation unit 2025 confirms caller ID information corresponding to the terminal device 2000 (for example, the terminal device 2000 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal device 2000 is subscribed). Confirming the calling party number information corresponding to the identification number, or checking the calling party number information included in the communication protocol for transmitting and receiving the collection transaction request information), and considering the calling number information as the withdrawal number information, and then linking with the financial system. Search for an account number including a phone number corresponding to the withdrawal number information, and include withdrawal number information for the collection processing using the phone number; And to determine the predetermined account number, characterized.

The information transmitter 2020 may transmit predetermined collection transaction confirmation information including the account number result (for example, a withdrawal account number, a collection account number (or a virtual account number), etc.) to the terminal device 2000. In response, the terminal device 2000 outputs the received collection transaction confirmation information, inputs (or selects) collection transaction processing information including predetermined transaction authentication information and the collection amount, and performs the wireless communication network. It is characterized in that for transmitting to the financial transaction server (2005) through.

Referring to FIG. 20, the financial transaction server 2005 includes a collection transaction including at least one transaction authentication information and a collection amount information through at least one user interface provided (or provided) in the terminal device 2000. An information receiver 2015 receiving the collection transaction processing information including at least one transaction authentication information and a collection amount information in association with the interface unit 2010 when the processing information is input (or selected) and transmitted; A collection check validity verification unit for checking the validity of the transaction authentication information and the collection amount included in the collection transaction processing information, and the collection using the phone number on the basis of the check request information confirmed the validity in connection with the financial system Predetermined for the collection transaction in connection with the collection transaction processing unit 2035 and the collection transaction processing unit 2035 for processing the processing Generating a financial transaction result information, and the financial transaction result information in association with the interface unit (2010) characterized by comprising an information transmitting section 2020 that transmits to the terminal device (2000).

The information receiver 2015 inputs (or selects) collection transaction processing information including at least one transaction authentication information and a collection amount information through at least one user interface provided (or provided) in the terminal device 2000. When the transmission is performed through the wireless communication network, the collection transaction processing information is received in connection with the interface unit 2010.

Preferably, the collection amount information includes an amount to be withdrawn from the financial account corresponding to the withdrawal number information and transferred to the collection account corresponding to the collection number information for the collection processing using the telephone number. It is preferable that the amount does not exceed the balance deposited in the financial account corresponding to the withdrawal number information.

The transaction authentication information is to secure the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation corresponding to the collection transaction using the financial account corresponding to the withdrawal number information. For the information, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the collection transaction.

According to an embodiment of the present invention, in the characteristic of the collection transaction system shown in FIG. 20, wherein the collection transaction is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account. Preferably, the card further includes at least one security code information provided on the card, and / or further includes an OTP code generated through an One Tome Password (OTP) generator provided to the customer.

The collection efficiency check unit is characterized in that whether the collection transaction processing information received from the terminal device 2000 satisfies the validity for the collection processing using the phone number.

According to an embodiment of the present invention, the validity check on the collection transaction processing information may be performed to the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the collection transaction processing information and the financial account. And comparing the various passwords (or linked) provided on the account ledger provided with each other, and confirming whether the various passwords corresponding to the transaction authentication information are matched, and the various passwords corresponding to the transaction authentication information. If is matched, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the transaction authentication information further includes predetermined security code information, the validity check on the collection transaction processing information is performed on the security code information and the financial account. Correspondingly check whether the security code information corresponding to the transaction authentication information is matched with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system. It is preferably made, including, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, in the characteristic of the collection transaction system shown in FIG. 20, the validation of the collection transaction processing information is performed by the OTP code and the OTP issued to the customer. Generating a predetermined OTP authentication code based on the OTP generation information matched with the generator, and comparing the OTP code and the OTP authentication code, to determine whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code It is preferable to include, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the collection transaction processing information is encrypted through a predetermined encryption key, the validation of the collection transaction processing information decrypts the encrypted collection transaction processing information. And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the collection transaction processing information is preferably authenticated.

In addition, when the electronic signature of the customer is attached to the collection transaction processing information through a predetermined private key (for example, an encryption key including a certificate issued to the customer) due to the characteristics of the collection transaction system shown in FIG. The checking of the validity of the collection transaction processing information may be performed by confirming the electronic signature of the customer with respect to the collection transaction processing information to which the electronic signature is attached. When the electronic signature of the customer is confirmed, the collection It is desirable that the validity of the transaction processing information be authenticated.

In addition, the validity check on the collection transaction processing information includes the amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the collection transaction processing information. It is preferable to include whether the amount is greater than the amount of the collected amount, and if the balance of the financial account is greater than the amount of the collection, it is preferable that the validity of the collection transaction processing information is authenticated.

When the validity of the collection transaction processing information is confirmed, the collection transaction processing unit 2035 includes a financial system including an account ledger corresponding to the withdrawal number information, and a financial system including an account ledger corresponding to the collection number information. And a collection process using the phone number corresponding to the collection request information and the collection transaction processing information.

According to an embodiment of the present invention, the collection transaction processing unit 2035 withdraws the amount corresponding to the collection amount information from the financial account corresponding to the withdrawal number information in association with the financial system to correspond to the collection number information. It is characterized by the transfer to a financial account.

When the collection transaction is processed by the collection transaction processing unit 2035, the information transmission unit 2020 is connected to the collection transaction processing unit 2035 to either the financial transaction approval details or the financial transaction error details of the collection transaction. Generates a financial transaction processing history including a; and transmits the financial transaction result information including the financial transaction processing history to the terminal device 2000 through the wireless communication network in association with the interface unit 2010; do.

21 is a view showing a collection process using a telephone number according to an embodiment of the present invention.

More specifically, FIG. 21 is a process for processing a collection process using a telephone number in a non-face-to-face manner through the terminal apparatus shown in FIG. 1 or 6 in the collection transaction system shown in FIG. 20. Those skilled in the art will be able to infer various implementation methods for the collection process by referring to and / or modifying the drawing 21, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 21.

Hereinafter, in FIG. 21, the terminal device 2000 shown in FIG. 20 is referred to as "terminal" for convenience, and the financial transaction server 2005 is referred to as "server" for convenience.

Referring to FIG. 21, the terminal inputs (or selects) collection request information including at least one predetermined withdrawal number information, collection number information, and billing institution information through a predetermined non-face-to-face financial transaction channel (2100). In step 2105, the collection transaction request information is transmitted to the server through a predetermined wireless communication network.

Here, the withdrawal number information preferably comprises a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and includes the phone number according to the intention of a person skilled in the art. It is possible to include the account number directly, whereby the present invention is not limited.

According to the method of the present invention, the withdrawal number information includes a phone number included in the financial account opened through the financial account opening system shown in FIG. 1 or 6, and the telephone number included in the financial account. When the telephone number corresponding to the terminal device 2000 is matched, the withdrawal number information may be omitted from the collection transaction request information. In this case, the server refers to the caller ID information of the terminal device 2000. It is possible to confirm the withdrawal number information.

The collection number information preferably comprises a telephone number corresponding to the collection account to be deposited by transferring the deposit amount withdrawn from the financial account corresponding to the withdrawal number, including the telephone number according to the intention of the skilled person It is possible to include the account number directly, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the collection number information may be directly included in the conventional collection account number, whereby the present invention is not limited.

Preferably, the billing institution information includes at least one of information on a Giro issuing agency and a billing institution, which open a financial account corresponding to the collection number information. The billing institution is shown in FIG. 1 or 6. It is preferable to open a financial account including the telephone number through a financial account opening system.

Thereafter, the server reads the collection request information and checks the validity of the account corresponding to the withdrawal number information (or collection number information) (2110).

When the withdrawal number information included in the collection transaction request information according to an embodiment of the present invention includes a phone number included in a financial account opened through the financial account opening system shown in FIG. 1 or 6, the server Inquiring an account number including a phone number corresponding to the withdrawal number information in conjunction with the financial system, to identify a predetermined account number including the withdrawal number information for the collection process using the phone number do.

Alternatively, when the withdrawal number information is not included in the collection transaction request information (or when the telephone number corresponding to the withdrawal number information and the telephone number corresponding to the terminal device 2000 information match), the server Confirm caller ID information corresponding to the terminal apparatus 2000 (for example, caller ID information corresponding to the terminal apparatus 2000 in association with a predetermined wireless telecommunication company server (not shown) to which the terminal apparatus 2000 is subscribed). Confirming, or checking the calling number information included in the communication protocol for transmitting and receiving the collection transaction request information), considering the calling number information as the withdrawal number information, and linking with the financial system to the withdrawal number information. By retrieving an account number including a corresponding telephone number, a predetermined account including withdrawal number information for the collection processing using the telephone number Characterized in that to make the call.

If the validity of the account is confirmed (2115), the server transmits predetermined collection transaction confirmation information including the account number result (eg, withdrawal account number, collection account number (or virtual account number), etc.) to the terminal device ( 2000, and in response, the terminal outputs the received collection transaction confirmation information through a non-face-to-face financial transaction function and inputs collection transaction processing information including predetermined transaction authentication information and the collection amount. (Or select) 2125.

Here, the collection amount information preferably comprises an amount to be withdrawn from the financial account corresponding to the withdrawal number information for transfer processing to the collection account corresponding to the collection number information for the collection process using the phone number, It is preferable that the amount of collection does not exceed the balance deposited in a financial account corresponding to the withdrawal number information.

The transaction authentication information is to secure the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation corresponding to the collection transaction using the financial account corresponding to the withdrawal number information. For the information, characterized in that it comprises at least one password corresponding to the financial account, or a password corresponding to the collection transaction.

According to an embodiment of the present invention, in the characteristic of the collection transaction system shown in Figure 21, wherein the collection transaction is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the financial account Preferably, the card further includes at least one security code information provided on the card, and / or further includes an OTP code generated through an One Tome Password (OTP) generator provided to the customer.

Thereafter, when the terminal transmits the collection transaction processing information to the server through the wireless communication network (2130), the server reads the collection transaction processing information correspondingly and confirms the collection efficiency (2135).

According to the implementation method of the present invention, the check of the validity of the collection of the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the financial account corresponding to the transaction authentication information included in the collection transaction processing information And comparing and verifying various passwords corresponding to the transaction authentication information, and comparing various passwords corresponding to the transaction authentication information. It is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the transaction authentication information further includes predetermined security code information in the characteristic of the collection transaction system shown in FIG. 21, the confirmation of the collection efficiency corresponds to the security code information and the financial account. And comparing the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the card, and checking whether the security code information corresponding to the transaction authentication information is matched. Preferably, when the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the collection validity check is an OTP matching the OTP code and the OTP generator provided to the customer. Generating a predetermined OTP authentication code based on the generated information, comparing the OTP code with the OTP authentication code, and checking whether the OTP code corresponding to the transaction authentication information matches the OTP authentication code. Preferably, when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, when the collection transaction processing information is encrypted using a predetermined encryption key, the collection validation is to decode the encrypted collection transaction processing information, and the decryption is performed. It is preferable to include whether it is normally performed, and when the decryption is normally performed, it is preferable that the validity of the collection transaction processing information is authenticated.

In addition, due to the characteristics of the collection transaction system shown in FIG. 21, the electronic signature of the customer is attached to the collection transaction processing information through a predetermined private key (eg, an encryption key including an accredited certificate issued to the customer). In this case, it is preferable that the checking of the validity of the collection is performed including checking the electronic signature of the customer with respect to the collection transaction processing information to which the electronic signature is attached. When the electronic signature of the customer is confirmed, the collection transaction processing information is included. It is desirable for the validity of the certificate to be authenticated.

In addition, the collection validity confirmation is whether the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the financial account) is greater than the collection amount included in the collection transaction processing information. It is preferable that the check is made, and if the balance of the financial account is greater than the amount of the collection, it is preferable that the validity of the collection transaction processing information is authenticated.

If the validity of the collection is not authenticated (2140), the server generates a collection processing history including predetermined collection error information (2145), and transmits the collection processing history to the terminal through the wireless communication network and outputs the collection history. (2165).

On the other hand, if the validity of the collection is authenticated (2140), the server is connected to a financial system in which a financial account corresponding to the withdrawal number information is opened and a financial system in which a financial account (or virtual account) corresponding to the collection number information is opened. In operation 2150, a collection transaction corresponding to the collection transaction request information and the collection transaction processing information is processed.

According to an embodiment of the present invention, the server withdraws the amount corresponding to the collection amount information from the financial account corresponding to the withdrawal number information in connection with the financial system to transfer to the financial account corresponding to the collection number information It is characterized by.

If the collection transaction processing is completed (2155), the server generates a collection processing details including the collection transaction approval information corresponding to the collection processing result (2160), and the collection information is processed through the wireless communication network; The transmission is output to the terminal (2165).

According to the present invention, when a user inputs a phone number that is easy to input in a predetermined banking program (or a virtual machine for banking) provided in a predetermined wireless terminal, the phone number in the banking program (or virtual machine for banking) is input. There is an advantage to automatically handle the wireless banking service by automatically converting to the account number including.

According to the present invention, when a user inputs a phone number that is easy to input in a predetermined banking program (or virtual machine for banking) provided in a predetermined wireless terminal, the financial company server that receives the phone number includes the phone number. There is an advantage of automatically converting the account number to handle the wireless banking service conveniently.

According to the present invention, through the predetermined banking program (or virtual machine for banking) provided in the predetermined customer wireless terminal, it is possible to conveniently withdraw the predetermined cash from the predetermined CD / ATM through the telephone number without a cash card. There is this.

According to the present invention, through a predetermined banking program (or a virtual machine for banking) provided in a predetermined customer wireless terminal, there is an advantage of conveniently handling payment through a predetermined payment terminal through a telephone number without a payment card.

According to the present invention, when a billing institution including a telephone number is opened at a branch office, an advantage of conveniently paying the amount of money through a predetermined banking program (or a virtual machine for banking) provided in a predetermined customer wireless terminal is provided. There is this.

Claims (1)

When opening a financial account in the name of the customer on the server, a financial account including a serial number corresponding to the telephone number structure in the serial number area of the account number system including the point number, the subject, and the serial number-the customer's telephone number, or the date of the year. Opening a; When a terminal device having a non-face-to-face financial transaction function transmits a withdrawal number information, a collection amount information and a collection number information including a serial number corresponding to the telephone number structure, the withdrawal number information and the amount of collection information are transmitted from a server through a communication network. Receiving information and collection number information; The server generates an account number by combining the withdrawal number information and the point number and the subject corresponding to the account number system, confirms that a financial account corresponding to the account number is opened, and then collects the money from the confirmed financial account. Confirming the validity of the financial transaction withdrawing the amount; And And processing a financial transaction in which a server withdraws the collection amount from the financial account and deposits the deposit amount into a financial account corresponding to the collection number information.

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